Detroit Area Study, 1997: Social Change in Religion and Child Rearing

Data Archive > U.S. Surveys > General Population > Local/Regional > Others > Analysis


Q143_2X

Installment reason
  10) Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity'
  12) Ease of payment; can spread payments out; can pay bills once a month; can plan on payments
  21) Establishes credit
  51) Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying)
  55) (High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash'
  97) Not applicable

Category Frequency Percentage Cumulative Percentage Z-Score
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 1 .4% .4% -5.98
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 3 1.3% 1.7% -5.84
Establishes credit 1 .4% 2.1% -5.2
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 2 .9% 3% -3.06
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 5 2.1% 5.1% -2.77
Not applicable 222 94.9% 100% .22

Variable Comparisons


Marital status (I-MARITAL)

Married Widowed Divorced Separated Never married TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 0.0%
0
0.0%
0
0.0%
0
0.0%
0
1.9%
1
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 0.8%
1
0.0%
0
0.0%
0
0.0%
0
3.7%
2
1.3%
3
Establishes credit 0.8%
1
0.0%
0
0.0%
0
0.0%
0
0.0%
0
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 0.8%
1
0.0%
0
3.3%
1
0.0%
0
0.0%
0
0.9%
2
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 0.8%
1
9.1%
2
3.3%
1
0.0%
0
1.9%
1
2.1%
5
Not applicable 96.7%
119
90.9%
20
93.3%
28
100.0%
5
92.6%
50
94.9%
222
TOTAL 100.0%
123
100.0%
22
100.0%
30
100.0%
5
100.0%
54

234


Age (I-AGE)

21-34 35-49 50-64 65+ TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 1.5%
1
0.0%
0
0.0%
0
0.0%
0
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 3.1%
2
1.0%
1
0.0%
0
0.0%
0
1.3%
3
Establishes credit 0.0%
0
1.0%
1
0.0%
0
0.0%
0
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 1.5%
1
1.0%
1
0.0%
0
0.0%
0
0.9%
2
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 1.5%
1
3.1%
3
0.0%
0
3.6%
1
2.1%
5
Not applicable 92.3%
60
93.9%
92
100.0%
43
96.4%
27
94.9%
222
TOTAL 100.0%
65
100.0%
98
100.0%
43
100.0%
28

234


Gender (I-GENDER)

Male Female TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 0.0%
0
0.7%
1
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 2.1%
2
0.7%
1
1.3%
3
Establishes credit 0.0%
0
0.7%
1
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 2.1%
2
0.0%
0
0.9%
2
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 2.1%
2
2.2%
3
2.1%
5
Not applicable 93.8%
91
95.6%
131
94.9%
222
TOTAL 100.0%
97
100.0%
137

234


Education (I-EDUC)

High school or less One year of college Two years of college Three years of college Four years of college Five or more years of college TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 0.0%
0
0.0%
0
0.0%
0
0.0%
0
2.2%
1
0.0%
0
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 1.3%
1
0.0%
0
0.0%
0
0.0%
0
2.2%
1
3.4%
1
1.3%
3
Establishes credit 0.0%
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0
3.4%
1
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 1.3%
1
0.0%
0
0.0%
0
0.0%
0
2.2%
1
0.0%
0
0.9%
2
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 5.3%
4
3.6%
1
0.0%
0
0.0%
0
0.0%
0
0.0%
0
2.1%
5
Not applicable 92.1%
70
96.4%
27
100.0%
40
100.0%
15
93.3%
42
93.1%
27
94.8%
221
TOTAL 100.0%
76
100.0%
28
100.0%
40
100.0%
15
100.0%
45
100.0%
29

233


Race (I-RACE)

White Black Other TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 0.0%
0
2.4%
1
0.0%
0
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 1.7%
3
0.0%
0
0.0%
0
1.3%
3
Establishes credit 0.6%
1
0.0%
0
0.0%
0
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 0.6%
1
0.0%
0
0.0%
0
0.4%
1
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 2.8%
5
0.0%
0
0.0%
0
2.2%
5
Not applicable 94.4%
170
97.6%
40
100.0%
9
95.2%
219
TOTAL 100.0%
180
100.0%
41
100.0%
9

230


Religion (I-RELIGION)

Protestant Catholic Jewish No preference Other TOTAL
Instant gratification; can enjoy what you're buying before it is paid for; can buy when don't have enough cash; can buy (large) item now or when needed; can use for emergencies; 'only way we can buy'; 'it's a necessity' 0.9%
1
0.0%
0
0.0%
0
0.0%
0
0.0%
0
0.4%
1
Ease of payment; can spread payments out; can pay bills once a month; can plan on payments 0.9%
1
0.0%
0
0.0%
0
5.1%
2
0.0%
0
1.3%
3
Establishes credit 0.9%
1
0.0%
0
0.0%
0
0.0%
0
0.0%
0
0.4%
1
Overspending; people buy too much, buy things they can't afford; people abuse credit/installment buying; leads to financial irresponsibility; debt is wrong; should avoid debt; 'don't buy unless you have the cash,' 'debt is morally wrong,' 'I don't want to be obligated to anyone,' 'I don't like big bills' (does not include references to the mere bother of bill-paying) 0.0%
0
1.4%
1
0.0%
0
2.6%
1
0.0%
0
0.9%
2
(High) interest rates or costs; should avoid interest costs; price of goods and services higher when buying on credit; 'costs more than paying cash' 1.8%
2
2.8%
2
0.0%
0
2.6%
1
0.0%
0
2.2%
5
Not applicable 95.4%
104
95.8%
69
100.0%
6
89.7%
35
100.0%
4
94.8%
218
TOTAL 100.0%
109
100.0%
72
100.0%
6
100.0%
39
100.0%
4

230

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