Moving Into Action: Application of the Transtheoretical Model of Behavior Change to Financial Education

Susan Smith Shockey · Sharon Burgess Seiling

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Financial Literacy, Pension, Retirement Analysis Financial Literacy and Behavior Behavioral Health and Interventions

Abstract

This study used the Transtheoretical Model of Behavior Change to assess change in financial behavior over a four-week period among participants enrolled in an IDA financial education program. All six money management behavior means increased (moving to a higher level). The biggest change occurred in Setting Aside Money for Unplanned Spending and the smallest in Reducing Debt. On average, participants were in Action for Reducing Debt prior to beginning the classes, while they were in Preparation for all other behaviors. Participants who advanced at least one stage are expected to double their chances of taking action on their new behavior.

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References

2019Diffusion of Innovations 1 1996Becoming a critically reflective teacher 1965Conditions of Learning 1994Stages of change and decisional balance for 12 problem behaviors.1991Assets and the poor: a new American welfare policy 1994Changing for Good 2000A 'stages of change' approach to helping patients change behavior.2004Welfare Reform and Teenage Pregnancy, Childbirth, and School Dropout

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