Expenditure patterns according to different life stages among public civil servants in Kota Bharu / Shamira Nabella Razali

People spend money every day. Some of them spend wisely and some of them vice versa. Their spending behaviour is driven by the needs to fulfil the basic necessity of the individual household and the family. Spending behaviour is under the influence of various factors and keeps changing over the needs of each individual. Every life stages of human have different ways of expenditure patterns. This paper reports a pure descriptive research on expenditure patterns according to different life stages among public civil servants in Kota Bharu. The objective of the study is to determine whether there are relationship between life stages and expenditure patterns. For this study, the primary data were used. The data were collected by self-administered questionnaires from 170 respondents among public civil servants which had been distributed at Ibu Pejabat Polis Kontinjen Kelantan, Jabatan Kerja Raya (JKR), Hospital Universiti Sains Malaysia, Kubang Kerian (HUSM) and Majlis Agama Islam Kelantan (MAIK), but there are only 138 data collected because 14 questionnaires damaged and 18 questionnaires are not returned back. The data were analysed using SPSS through the frequency analysis, descriptive analysis, cross tabulation and reliability analysis. Thus, the finding from this study shows that there are no relationship between life stages and expenditure patterns