An Analysis of the Influence of Lifestyle and Self-Control on Personal Financial Management
DOI:
https://doi.org/10.37676/jpm.v3i1.1535Keywords:
Gaya Hidup, Pengendalian Diri, Pengelolaan Keuangan PribadiAbstract
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.
References
Arianti, B. F. (2023).Financial Literacy and Personal Financial Management Behavior among University Students. Journal of Financial Behavior.
Dewi, N., & Purnamasari, D. (2023). The Effect of Self-Control on Financial Management Behavior among College Students. Journal of Financial Studies.
Gunawan, B. P., & Herlina. (2025). Pengaruh literasi keuangan, kontrol diri, dan gaya hidup hedonisme terhadap pengelolaan keuangan generasi Z. Jurnal Ilmiah Ilmu Pendidikan.
Harjanti, D., Angelina, P., & Sahetapy, W. (2025). Financial management behavior, lifestyle, dan self-control terhadap impulsive buying pengguna buy now pay later. Majalah Ekonomi.
Khoeriyah, S. S., & Manjaleni, R. (2025).Pengaruh Spending Self-Control dan Fintech Payment terhadap Manajemen Keuangan Pribadi. JEMSI: Jurnal Ekonomi, Manajemen, dan Akuntansi.
Lestari, D., Putra, A., & Dewi, R. (2024). Self-Control and Financial Behavior among Young Adults. Journal of Economic Behavior.
Mahanani, R. A., & Hendar, H. (2025).The Influence of Financial Literacy and Self Control on Students’ Personal Financial Management in the Solo Raya Region. J-CEKI: Jurnal Cendekia Ilmiah, 4(5).
Maharani, P. S., & Kusuma, P. S. (2025). Pengaruh literasi keuangan, financial technology, dan gaya hidup hedonisme terhadap perilaku pengelolaan keuangan generasi Z. Jurnal Maneksi.
Mulyani, W., Indriayu, M., & Wardani, D. K. (2024). The Influence of Financial Literacy, Family Economic Education and Self Control on Consumptive Behavior Students.
Ningrum, A. S., & Hermawan, S. (2025). Financial Literacy, Self-Control, and PayLater Financial Management. Indonesian Journal of Law and Economics Review.
Nurjannah, & Yusrialis. (2025). The Influence of Financial Literacy, Parental Income, Hedonistic Lifestyle and Self-Control on Student Financial Management Behavior in Pekanbaru City. International Journal of Business and Management.
Oktaviona, R., & Hardini, H. T. (2025). The Effect of Financial Technology Use, Lifestyle, Peer Interaction, and Self-Control on Students Personal Financial Management. Jurnal Pendidikan IPS, 15(3).
Rahmawati, D., & Hidayat, R. (2023). Self-Control and Personal Financial Management among Students. Jurnal Keuangan dan Perbankan.
Ramanda, R. (2024). Pengaruh literasi keuangan dan spending self-control terhadap gaya hidup generasi Z di DKI Jakarta. LANCAH: Jurnal Inovasi dan Tren.
Ramanda, R. (2024). Pengaruh Literasi Keuangan dan Spending Self-Control terhadap Gaya Hidup Generasi Z di Jakarta.
Ratnasari, P., Nurjannah, R. A., & Karoma, Y. (2025). An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia. Jurnal Informasi dan Teknologi, 7(2), 152–160.
Sapira, B., Juhari, J., Suhardi, S., & Makrus, M. (2025). Financial Self-Efficacy, Lifestyle, and Peer Influence on Credit Decisions: The Mediating Role of Financial Control in Gen Z. Economic: Journal Economic and Business.
Sari, M., Nugroho, B., & Hidayat, T. (2024). Social Media Lifestyle and Financial Behavior of Generation Z. Journal of Consumer Economics.
Septaviani, P. S., & Prajawati, M. I. (2025). Pengaruh literasi keuangan, self-control, dan materialisme terhadap financial behavior mahasiswa. Jurnal Bisnis dan Manajemen.
Wahyuni, H. (2024).The Influence of Financial Literacy, Income, and Lifestyle on Personal Financial Management with Self Control as a Moderating Variable. Jurnal Manajemen dan Kewirausahaan, 12(1).
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Fatimah Ayu Kurnia, Dea Indah Lestari, Fina Anggraini , Muhammad Aikal, Muhammad Irzaq Aufa Al-Fawwaz
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
