Jurnal Pusat Manajemen
Vol. 3 No. 1 (2026): Juni

An Analysis of the Influence of Lifestyle and Self-Control on Personal Financial Management

Fatimah Ayu Kurnia (Universitas Bengkulu)
Dea Indah Lestari (Universitas Bengkulu)
Fina Anggraini (Universitas Bengkulu)
Muhammad Aikal (Universitas Bengkulu)
Muhammad Irzaq Aufa Al-Fawwaz (Universitas Dehasen Bengkulu)



Article Info

Publish Date
10 Jun 2026

Abstract

The peak level of consumerism due to exposure to social media has made personal financial management a significant problem today. This research was conducted with the aim of evaluating the extent to which lifestyle and self-control affect the way a person manages their finances. Lifestyle plays a dominant role in curbing excessive spending tendencies, while self-control serves as the main foundation for planning for the future and suppressing unplanned purchases. To investigate the relationship between these factors, this study applied a quantitative methodology based on causal design. The data collection process relied on questionnaires distributed to students, given that this demographic is highly susceptible to external trends. Through its findings, this study is expected to offer a comprehensive perspective on the urgency of managing lifestyle and self-control in order to achieve personal economic stability in the future.

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Journal Info

Abbrev

PUSMAN

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Pusat Manajemen is a scientific journal published four times a year. The purpose of this scientific journal is to improve the quality of management science for researchers, students, practitioners, and management science observers. Jurnal Pusat Manajemen accepts the results of studies and ...