-sectional survey data on expenditures and individual incomes of couple households in Germany. The test is performed within the … are significant differences regarding the marital status, the presence of at least one child in the household and whether … the household is located in a former West or East German federal state. Married couples and couples with children are …

On what and to what extent private households in Germany spend money varies significantly depending on employment … or more of their income. On average, every household saved a good 17 percent of their income in 2013. …

prices in the four largest economies in the euro area: France, Germany, Italy, and Spain. We first calibrate a life … portfolios, observed in the Household Finance and Consumption Survey (HFCS) for these countries. We then show that the … heterogeneity in household finances implies that responses of consumption to changes in the real interest rate and in house prices …

prices in the four largest economies in the euro area: France, Germany, Italy, and Spain. We first calibrate a life …, observed in the Household Finance and Consumption Survey (HFCS) for these countries. We then show that the heterogeneity in … household finances implies that responses of consumption to changes in the real interest rate and in house prices differ …