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May 13, 2026International Journal of Innovative Research in Technology0 citationsOpen Access

Impact of Personal Budgeting Behaviour on Savings: Moderating Role of Income among Salaried Individuals

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DBDr. Parth Rashmikant BhattDepartment of Commerce

Key Points

  • The central aim is to evaluate how personal budgeting behavior affects savings and how income moderates this relationship.
  • Evaluated the impact of personal budgeting behavior on savings among salaried individuals.
  • Used a sample from various income levels to understand the moderating effect of income.
  • Applied statistical analyses to determine the effectiveness of budgeting behaviors on savings outcomes.
  • Personal budgeting behavior significantly increases savings rates at high-income levels.
  • Income moderates the effectiveness of budgeting, with wealthier individuals benefiting more from budgeting.
  • Found a positive correlation between structured budgeting and higher savings rates overall.

Abstract

Explore the article titled Impact of Personal Budgeting Behaviour on Savings: Moderating Role of Income among Salaried Individuals from IJIRT Volume 10, Issue 8. This study evaluates the effectiveness of teaching programs on waste management knowledge among women.

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Dr. Parth Rashmikant Bhatt (2026) studied this question.

synapsesocial.com/papers/6a0414f679e20c90b4444d22https://doi.org/10.64643/ijirtv10i8-201373-459
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