The study explored the relationship between health and financial distress/financial well-being and differences in health based on (a) time spent in a debt management program (DMP) and (b) occurrence of negative financial events. Spearman’s rho indicated those with lower financial distress,...

The present study examined the relationships among credit counseling, financial behaviors, financial stressor events, perceived financial well-being, and health. Data were collected from clients of a large credit counseling organization on two occasions, once in June 2000 and again in January...

This paper examines the relationship between financial stress and absenteeism. A conceptual model was derived from a Health Promotion Model and empirically tested to investigate relationships among determinants (individual characteristics), stress (financial stress), physical and psychological...

The purpose of this research was to examine the effects of workplace financial education on workers' personal finances and work outcomes and determine relationships among financial management (attitudes, knowledge and behaviors), financial well-being, personal finance-work conflict, and work...

Based on the life-cycle theory of consumption, this quasi-experimental study of 995 employees examined changes in financial behaviors following employee-needs-driven workplace financial education. Repeated-measures ANOVA compared participants and non-participants on perceived financial wellness...

This study was designed to investigate the effectiveness of the Personal Financial Management Program (PFMP) which has been instituted by the Department of the Navy to provide sound financial counseling to service members. There is a great deal of evidence in the research literature to indicate...

While most employers remain unaware, personal financial management problems of workers cost American employers millions of dollars in lost productivity every year. One employer who was interested in studying the cost was the United States Navy. This research found that the U.S. Navy experienced...

Use of financial ratios as a diagnostic and informational tool has become increasingly popular in financial counseling and planning situations. Results of ratio analysis suggest insights not readily apparent from merely studying a balance sheet and an income and expense statement. Nine financial...

MONEY 2000TM is a successful consumer education programme that was implemented by Cooperative Extension personnel in over two dozen states of the USA between 1996 and 2002. One of the unique features of this programme is that it was based on the Transtheoretical Model of Change (TTM), a...

A needs assessment was conducted for the adaptation of an existing online Cooperative Extension investment course for use by farm households. The theoretical model was Social Marketing Theory. Data about financial attitudes, practices, and learning preferences of farm households were collected...