Improving Financial Management via Contemplation: Novel Interventions and Findings in Laboratory and Applied Settings.
Improving Financial Management via Contemplation: Novel Interventions and Findings in Laboratory and Applied Settings.
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DOI：
10.3389/fpsyg.2017.00327
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发表时间：
2017
影响因子：
3.8
通讯作者：
Harkin B
中科院分区：
文献类型：
--
作者：
Harkin B
本研究涉及财务管理不善的两个主要领域，即避免提供与债务有关的信息和低估支出。我们借鉴了一项研究，该研究表明，邀请人们思考避免某事的原因实际上有助于降低他们随后避免它的可能性，并可能提高他们对它的了解。因此，在三项研究中，我们调查了是否促使参与者考虑他们的债务，（研究1和2）和支出（研究3）将分别减少对债务相关信息的回避和改进支出估计。符合我们的期望，促使沉思通过问卷调查（研究1）和视频（研究2）减少避免债务相关信息。换句话说，沉思降低了人们避免看到自己债务风险的可能性。通过视频促进沉思的成功为沉思文献提供了一个新的和重要的补充，以前专注于使用传统的问卷格式。在研究3中，我们观察到沉思改善了信用社贷款申请人提供的支出估计。具体而言，沉思导致参与者提供更大和更详细的支出账目，并增加了工作人员和客户之间就客户提供的支出项目数量达成的协议。总之，这些研究结果表明，在上述财务决策的背景下进行沉思是一种强有力的干预，因为它对不同类型的干预（问卷和视频），行为（避免债务相关信息和改善支出估计）和样本（学生和大学工作人员;研究1和2以及信用社的贷款申请人;研究3）都是有效的。我们讨论了这些研究结果的理论，政策和应用影响，并强调了未来研究的局限性和考虑因素。
The present research tackles two main areas of financial mismanagement, namely avoiding debt-related information and underestimating expenditure. We draw upon research which has shown that inviting people to think about reasons for avoiding something actually serves to reduce the likelihood that they will then avoid it, and potentially improves what they know about it. Therefore, in three studies we investigated if prompting participants to contemplate their debt (Studies 1 and 2) and expenditure (Study 3) would decrease avoidance of debt-related information and improve estimates of expenditure, respectively. Conform to our expectations prompting contemplation via questionnaire (Study 1) and video (Study 2) reduced avoidance of debt-related information. In other words, contemplation reduced the likelihood that people would avoid viewing their risk of debt. The success of prompting contemplation via video offers a new and important addition to the literature on contemplation, which has previously focused on using the traditional questionnaire format. In Study 3 we observed that contemplation improved the estimates of expenditure that loan applicants at a credit union provided. Specifically, contemplation resulted in participants providing larger and more detailed accounts of their expenditure, and increased the agreement between staff and clients for the number of expenditure items provided by the clients. In sum, these findings suggest that contemplation in the context of the above financial decision-making is a robust intervention, as it was effective for different types of interventions (questionnaire and video), behaviors (avoidance of debt-related information and improving estimates of expenditure), and samples (students and university staff; Studies 1 and 2 and loan applicants at a credit union; Study 3). We discuss the theoretical, policy and applied impact of these findings, and highlight limitations and considerations for future research.