Ferreira Mário B, de Almeida Filipa, Soro Jerônimo C, Herter Márcia Maurer, Pinto Diego Costa, Silva Carla Sofia
CICPSI, Faculdade de Psicologia, Universidade de Lisboa, Lisbon, Portugal.
Faculdade de Psicologia, Universidade de Lisboa, Lisbon, Portugal.
Front Psychol. 2021 Apr 29;12:591875. doi: 10.3389/fpsyg.2021.591875. eCollection 2021.
This paper aims to explore the association between over-indebtedness and two facets of well-being - life satisfaction and emotional well-being. Although prior research has associated over-indebtedness with lower life satisfaction, this study contributes to the extant literature by revealing its effects on emotional well-being, which is a crucial component of well-being that has received less attention. Besides subjective well-being (SWB), reported health, and sleep quality were also assessed. The findings suggest that over-indebted (compared to non-over-indebted) consumers have lower life satisfaction and emotional well-being, as well as poorer (reported) health and sleep quality. Furthermore, over-indebtedness impacts life satisfaction and emotional well-being through different mechanisms. Consumers decreased perceived control accounts for the impact of over-indebtedness on both facets of well-being (as well as on reported health and sleep). Financial well-being (a specific component of life satisfaction), partly mediates the impact of indebtedness status on overall life satisfaction. The current study contributes to research focusing on the relationship between indebtedness, well-being, health, and sleep quality, and provides relevant theoretical and practical implications.
本文旨在探讨过度负债与幸福的两个方面——生活满意度和情绪幸福感之间的关联。尽管先前的研究已将过度负债与较低的生活满意度联系起来，但本研究通过揭示其对情绪幸福感的影响，为现有文献做出了贡献，情绪幸福感是幸福的一个关键组成部分，此前较少受到关注。除了主观幸福感（SWB）外，还评估了报告的健康状况和睡眠质量。研究结果表明，过度负债（与未过度负债相比）的消费者生活满意度和情绪幸福感较低，健康状况（报告的）和睡眠质量也较差。此外，过度负债通过不同机制影响生活满意度和情绪幸福感。消费者感知到的控制感降低解释了过度负债对幸福的两个方面（以及报告的健康和睡眠）的影响。财务幸福感（生活满意度的一个特定组成部分）部分中介了负债状况对总体生活满意度的影响。本研究为关注负债、幸福、健康和睡眠质量之间关系的研究做出了贡献，并提供了相关的理论和实践意义。
