... financial- management activities: cash-flow management, credit management, saving, and investment. Data are fromNote. Chris Anguelov, of the Board’s Division of Consumer andCommunity Affairs, assisted ... financial34. See University of Michigan Survey Research Center, Surveysof Consumers (Ann Arbor, Mich.: University of Michigan SurveyResearch Center, 2001).Household Financial Management: The Connection ... available in the data set.1. Financial behavior and product variables used toanalyze cash-flow management, credit management, saving, and investment practices Financial behavior or productPercentage...