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Is There a Budget Fallacy? The Role of Savings Goals in the Prediction of Personal Spending

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References

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452 cited

2005Resource Slack and Propensity to Discount Delayed Investments of Time Versus Money.400 cited

Cited by

2018Financial decision making111 cited
2015Expense Neglect in Forecasting Personal Finances52 cited
2023Fast optimism, slow realism? Causal evidence for a two-step model of future thinking47 cited
2020Budget Depreciation: When Budgeting Early Increases Spending43 cited
2011Behavioral and psychological aspects of the retirement decision.42 cited
2020An assessment of the effects of mental accounting on overspending behaviour: An empirical study28 cited
2014On the psychology of self-prediction: Consideration of situational barriers to intended actions25 cited
2010Delay and duration effects of time frames on personal savings estimates and behavior25 cited
2022The Influence of Budgets on Consumer Spending25 cited
2016Backward planning: Effects of planning direction on predictions of task completion time24 cited
2011When distance pays off: The role of construal level in spending predictions21 cited
2012Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction21 cited
2021Understanding and Neutralizing the Expense Prediction Bias: The Role of Accessibility, Typicality, and Skewness20 cited
2015Leveraging Psychological Insights to Encourage the Responsible Use of Consumer Debt20 cited
2020Passing the buck to the wealthier: Reference-dependent standards of generosity18 cited
2022A computational account of why more valuable goals seem to require more effortful actions13 cited