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Explaining intra-monthly consumption patterns : the timing of income or the timing of consumption commitments? (Working Paper)

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 \ \\/ //   / _ \\   /_   _//  /_   _// | || | ||   / _ \\  
  \   //   | / \ ||  `-| |,-    -| ||-  | || | ||  / //\ \\ 
  / . \\   | \_/ ||    | ||     _| ||_  | \\_/ || |  ___  ||
 /_//\_\\   \___//     |_||    /_____//  \____//  |_||  |_||
 `-`  --`   `---`      `-`'    `-----`    `---`   `-`   `-` 
                                                            
 


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