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首页> 美国卫生研究院文献>Frontiers in Public Health >Procrastination and Personal Finances: Exploring the Roles of Planning and Financial Self-Efficacy
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Procrastination and Personal Finances: Exploring the Roles of Planning and Financial Self-Efficacy

机译：拖延和个人理财：探索计划和财务自我效能的作用

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Procrastination is related to unhealthy personal financial behaviors, such as postponing retirement savings, last minute shopping, and not paying bills on time. The present paper explores factors that could explain why procrastinators demonstrate more financial problems compared to non-procrastinators. Study 1 (N = 675) focused on planning, as both procrastination and poor financial habits are negatively related to planning. Results confirmed that procrastination was a significant predictor of personal finances, but the propensity to plan was not. Study 2 (N = 500) explored the roles of procrastination and financial self-efficacy in two facets of financial behavior, financial impulsivity and financial planning. Results indicated that the effect of procrastination on financial behavior was fully mediated by financial self-efficacy. Hence, these results suggest that procrastination operates primarily through its self-efficacy component to impact financial behavior negatively.
机译：拖延与不健康的个人财务行为有关，例如推迟退休储蓄，最后一刻购物和不按时付款。本文探讨了可以解释为什么拖延症患者比非拖延症患者表现出更多财务问题的因素。研究1（N = 675）专注于计划，因为拖延和不良的财务习惯都与计划负相关。结果证实，拖延是个人财务状况的重要预测指标，但计划的倾向却不是。研究2（N = 500）探讨了拖延和财务自我效能在财务行为，财务冲动性和财务计划两个方面的作用。结果表明，拖延对财务行为的影响完全由财务自我效能感介导。因此，这些结果表明，拖延症主要通过其自我效能成分起作用，从而对财务行为产生负面影响。

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