Written By: Susan S. Shockey and Sharon B. Seiling

The Transtheoretical Model of Behavior Change was used to access change in financial behavior over a four-week period among participants enrolled in an IDA financial education program. All six money management behavior scores improved on average. The largest change occurred in the behavior represented as classes, while they were in the stage of 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. Keyword: financial education, behavioral change

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