Abstract :
Consumption patterns are how a person uses his money, allocates his time and so on. This study aims to examine the effect of financial attitudes, mental accounting and lifestyle on consumption patterns. The population in this research is were 96 housewives. Data analysis was carried out by distributing questionnaires through the Google Form. This study uses SEM-PLS data analysis techniques using WarpPLS 7.0 software. The results of this study indicate that financial attitudes have a positive and significant effect on consumption patterns, mental accounting has a negative and significant effect on consumption patterns, and lifestyle has a positive and significant effect on consumption patterns.