@inproceedings{CHI-2014-VinesDM,
	author        = "John Vines and Paul Dunphy and Andrew Monk",
	booktitle     = "{Proceedings of the 32nd ACM SIGCHI Conference on Human Factors in Computing Systems}",
	doi           = "10.1145/2556288.2556961",
	isbn          = "978-1-4503-2473-1",
	pages         = "501--510",
	publisher     = "{ACM}",
	title         = "{Pay or delay: the role of technology when managing a low income}",
	year          = 2014,
}