Gamst-Klaussen Thor, Steel Piers, Svartdal Frode
Department of Psychology, UIT The Arctic University of Norway, Tromsø, Norway.
Organizational Behaviour and Human Resources, University of Calgary, Calgary, AB, Canada.
Front Psychol. 2019 Apr 5;10:775. doi: 10.3389/fpsyg.2019.00775. eCollection 2019.
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 ( = 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 ( = 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.
拖延与不健康的个人财务行为有关，比如推迟退休储蓄、最后一分钟购物以及不按时支付账单。本文探讨了一些因素，这些因素可以解释为什么拖延者比非拖延者表现出更多的财务问题。研究1（n = 675）聚焦于规划，因为拖延和不良财务习惯都与规划呈负相关。结果证实，拖延是个人财务状况的一个重要预测指标，但规划倾向并非如此。研究2（n = 500）探讨了拖延和财务自我效能感在财务行为的两个方面，即财务冲动性和财务规划中的作用。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，拖延主要通过其自我效能感成分对财务行为产生负面影响。
