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PurposeThe purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its antecedents and the consequences. By analyzing the research trends, methods, determinants and outcomes, the PFMB literature is synthesized, and agenda for future research is suggested. A framework is presented that portrays PFMB's antecedents and consequences and further specification of the mediation and moderation linkages.Design/methodology/approachThe review is based on 160 articles published during 1970–2020. It follows a systematic approach and presents the definitions and theories of PFMB, publication trends based on time, region, sample population, research designs, data collection and analysis techniques, along with antecedents and outcomes through content analysis.FindingsThe synthesis draws upon various factors affecting PFMB, such as demographics, socio-economic, psychological, social, cultural, financial experience, financial literacy (FL) and technological factors. The prominent outcomes of PFMB include financial satisfaction, relationship satisfaction, quality of life, financial success, happiness, financial vulnerability/resilience and financial well-being. The future research agenda sums up the recommendations in the form of research questions on variables and their linkages, followed by methodological advancements.Originality/valueThis paper covers the scholarly work done in this area in the past 51 years. To the best of authors' knowledge, this is the first attempt to offer a most comprehensive and collective scholarship of this subject. It further gives an extensive future research agenda.

In India, one of the major sources of water is the groundwater. Currently, its quality is being degraded due to many reasons such as intrusion of waste from various chemical factories and other industries. The objective of the study was to analyze the groundwater quality in the vicinity of the Kala Sanghian drain, Jalandhar. The drain carries waste from various industries in Jalandhar and is unlined which might affect the quality of the nearby groundwater. The physiochemical and heavy analysis was carried out on 30 samples collected from different locations of varying depths along the drain. It was observed that the values for some of the parameters are exceeding the permissible limit. The reason for dwindling quality of water in the area may be due to the discharge of the industrial waste into the Kala Sanghian drain. Hence, quick and reliable monitoring measures are essential for safeguarding the water quality. Geographic Information System was used to map the parameters values in terms of WQI in spatial domain which would help in better visualization of the problem and improved decision making.

Air pollution is one of the foremost and grave public health and environmental anxiety in most of evolving countries. Objectives: The objective of this paper is to provide insight details about current situation of air quality across various cities present in India, along with countless origins and effects of air pollution. An attempt is made to make people aware about various types of gases and particulate matter present in air highlighting their effects on environment along with the various ways of overcoming this situation. Methods: The National Air Quality Index (NAQI) ensures comparison amongst various cities so that new measures can be formulated in order to decrease the quantity of particulate matter present in air. In this paper concentration of various pollutants along with various harmful gases for various cities of India are analyzed based on past NAQI data thereby highlighting those areas which are under extensive menace of pollution. Findings: It has been perceived from past few years that the rate at which Urban Air Pollution across India has grown is alarming due to severe unsafe web of particulate matter (PM) and harmful gases present in air that living organism’s breath. Levels of particulate matter are extremely higher in all cities of India. Only few cities are such that can be emphasized where Air Quality Monitoring (AQM) has started due to which they show some enhancement in quality of air but mostly affected areas are small and medium sized towns which suffer from phenomenal spurt in pollution in very critical manner. Due to increase in immense number of vehicles, industries and manufacturing units has resulted in excess assembly of pollutants in air making air pollution as a state of national emergency across various cities around the country.

Background: Anthropogenic activities are major source of water pollution, particularly, because of haphazard dumping of heavy metals which get accumulated through trophic levels posing a severe risk to the surroundings. The removal of heavy metals from wastewater is, thus, very significant. Objective: The objective of the present study is to use rice husk, tea waste and orange peel for removal of Pb (II) ions by adsorption and to develop equilibrium and kinetic studies data for the same. Method: The batch process of adsorption was used and the concentration of lead adsorbed was measured titrimetrically. Findings: The maximum removal efficiency has been observed as 88% in tea waste and 80% in rice husk and orange peel. The equilibrium data obtained at optimized conditions for all the metal ions studied has been subjected to the isotherm models used for adsorption, namely, Langmuir and Freundlich. Further, to examine the kinetics for adsorption of Pb (II) ions on the adsorbents under study, pseudo first order and second order equations have been analysed. Thus, it was concluded that the utilization of low cost waste materials for treating wastewater using adsorption is effective, ecofriendly, locally available causing no pollution along with solving the problem of waste disposal.