What Americans Pay For - and How

Some Use Budget, Others Don't

Notes: Debt problem consists of people who have used a credit consolidator or declared bankruptcy in the past. The number of loans consists of homeowners who say they have any of the following monthly expenses: mortgage, second mortgage, car loan or school loan. No credit card denotes those who say they do not have a credit card as a regular expense. Don’t know responses are not shown. Question wording: Do you have a budget to guide your household expenses or don’t you rely on a formal budget?

Survey Date: October 18 - November 9, 2006

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