Object – households’ finances. Purpose – to extend theoretical and methodological statements and to develop practical recommendations towards formation and realization of households’ financial behavior in the context of modern social and economic transformations. Methods – historical, generalization, dialectical, abstract and logical, analogies, theoretical modeling, statistical analysis, comparison, formalization, graphical, getting from concrete to abstract and from abstract to concrete, observation. Methods: historical, generalization, dialectical, abstract and logical, analogies, theoretical modeling, statistical analysis, comparison, formalization, graphical, getting from concrete to abstract and from abstract to concrete, observation. Results: deepening of theoretical and methodological statements and basing of complex of measures for practical solution problems concerning formation and realization of households’ financial behavior in the conditions of economic transformations in Ukraine that will facilitate increasing of living standard and rising of social prosperity. Novelty: conceptual approaches to interpretation the essence of households’ financial behavior have been supported for the first time in three aspects: as a totality of relations which are formed in the process of households’ activity; as an activity of households towards setting the accordance between inner motives of households’ members and external conditions and opportunities; as a complex of households deeds in the process of production, exchange and consumption of goods; classification of households financial behavior models was improved according to different features distinguishing such classification by the level of irrationality of households’ member behavior; improved structural and functional approach to the modeling of households’ financial behavior distinguishing some structural components and clarification of main premises of its formation and realization in the context of financial consciousness, financial thinking,financial motives, financial interests and financial culture of households members; improved the criteria of identification of widespread strategies of financial behavior of domestic households in the context of important motives and expenditures priority distinguishing consumer, saving, investment and credit behavior; acquire further development of theoretical approaches towards basing the influence of financial literacy on financial behavior of households that allows households to widen the choice of financial behavior strategies, allows to take well-considered financial decisions.They are implemented in the activities of the Administration of National Bank of Ukraine in the Ternopil region, Department of economic development, investment activity and international collaboration of Ternopil regional state administration, Central administrative board of statistics in Ternopil region, credit union “Kalyna”. Scope – activity of National committee that realize state regulation in the sphere of markets and financial services, Asociation of Ukrainian banks, profile committee of Supreme Soviet of Ukraine.
