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 article describes development of the InCharge Financial Distress/Financial Well-Being Scale, designed to measure a latent construct representing responses to one's financial state on a continuum ranging from overwhelming financial distress/lowest level of financial well-being to no...

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...

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...

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 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 purpose of this study was to examine a sample of employed individuals who participated in credit counseling through a non-profit consumer credit counseling agency in the Mid-Atlantic. Using data collected at two points in time, this sample was examined to measure changes in personal...

Personal Financial Wellness and Worker Job ProductivitySo-hyun Joo(ABSTRACT)The problem that was examined in this research was to develop and test a conceptual model that describes the relationship between personal financial wellness and worker job productivity. The research questions were (1)...

This study was designed (1) to empirically distinguish between buyers and non-buyers of an extended service contract according to eight groups of variables, and (2) to develop a profile of consumers most likely to purchase extended service contracts.A mail survey was conducted from April 1993...