Long-term household financial planning requires flexible, realistic financial planning instruments. This study focuses on the simulation of expenditures for discretionary and nondiscretionary goods and services and the incorporation of uncertainty into a long-term financial planning model. Particular emphasis is given to German financial planning literature and consumer expenditure data sets. Simulation of typical household situations illustrates the effects of family and career planning as well as fuzzy financial data on the amount and crispness of the periodical net surplus. These deterministic and fuzzy simulations are found to be more flexible and exact in predicting household expenditures for different household compositions.

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