Select all that apply Which of the following personal factors can impact the spending and saving patterns of an individual? \( \square \) price-earnings ratio \( \square \) personal beliefs \( \square \) household size \( \square \) credit policy of local bank \( \square \) age income

Personal beliefs can significantly influence an individual's spending and saving habits. For instance, those who prioritize experiences over material possessions may tend to spend more on travel and dining, while others who value saving for the future might adopt a more frugal lifestyle. Understanding these beliefs can help tailor better financial solutions that align with individual values. Household size is another key factor affecting financial behavior. Larger households may experience greater expenses due to increased needs, such as food, housing, and education costs. Conversely, smaller households might have more flexibility to save or spend on discretionary items. Therefore, recognizing the dynamics of household size can aid in effective financial planning and budgeting strategies.