By J. Collins
A Fragile stability examines recommendations to advertise emergency discount rates, in particular between underserved households.
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Extra info for A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income Consumers
Montalto. 2004. ” Financial Services Review 13 (2): 93–109. Brandolini, Andrea, Silvia Magri, and Timothy M. Smeeding. 2010. ” Journal of Policy Analysis and Management 29 (2): 267–284. Liquid Savings Patterns 35 Caner, Asena, and Edward N. Wolff. 2004. ” Review of Income and Wealth 50 (4): 493–518. Chang, Y. Regina, Sherman Hanna, and Jessie X. Fan. 1997. ” Financial Counseling and Planning 8 (1): 47–55. Chang, Y. Regina, and Sandra J. Huston. 1995. ” Financial Counseling and Planning 6:119–128.
Access to liquidity via savings may provide some sense of financial control or security for the future that reduces worry and contributes to financial satisfaction, whereas households without sufficient liquidity have little capacity to absorb an economic shock (Hira and Mugenda 1998; Sumarwan and Hira 1993; Davis and Helmick 1985; Liang and Fairchild 1979). This is consistent with the idea that having emergency savings supports broader household well-being. Financial stress has been associated with negative impacts on health (Keese and Schmitz 2013; Choi 2009), adult relationship quality, parenting, and child and adolescent development (Conger et al.
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