Funerals: Alternatives and Arrangements.

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Successful financial goal attainment: Perceived resources and obstacles

Perceived resources and obstacles to financial goal attainment of 520 MONEY 2000Ô participants are reported. Open-ended questions were used to solicit responses. The most frequently mentioned resource that helped respondents make progress toward financial goals was personal qualities (e.g., discipline, knowledge) and action. Having a goal or plan, financial publications and media, payroll deduction/automated savings, a good income, Cooperative Extension/MONEY 2000Ô, and seeing results were also mentioned. The most frequently mentioned challenge to financial progress was debt/credit use/spending habits. Additional obstacles were a low or reduced income, unexpected expenses and emergencies, children/children\u27s expenses, personal qualities, and other obstacles. © 2000, Association for Financial Counseling and Planning Education

A consumer education programme based on the Transtheoretical Model of Change

MONEY 2000™ 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 framework that has been widely used to study health-related behaviour changes such as smoking cessation. This paper first describes how the MONEY 2000™ programme was developed around major constructs contained within the TTM. Findings are reported from a survey conducted with participants in the first two states that delivered the programme. The findings suggest that several change processes used by MONEY 2000™ participants are associated with specific stages of change. In addition, there may be differences in behavioural changes between participants who increased their savings and those who reduced their debts. © 2017 Wiley. All rights reserved