金钱心理学学习资料.pdf

MPRA The Relationship of Income And Money Attitudes To Subjective Assessment of Financial Situation Agata Gąsiorowska Institute of Organisation and Management, Wroclaw University of Technology, Wyb. Wyspiańskiego 27, 50-37 Wroclaw, Poland Abstract This paper examines a model of economic status satisfaction (money satisfaction) that controls attitudes toward money, income level and gender. Money attitudes were measured with SPP scale (Gąsiorowska, 2003), fully developed in Polish environment, and better adjusted to Polish conditions than other money attitudes scales. In the first study, path analysis showed that gender is the strong moderator of money attitudes - money satisfaction relationship. Money attitudes presented by females do not influence significantly their economic status satisfaction, while in case of males, financial anxiety and power connected with money explained 13% of variance of dependent variable. In the second study, in addition to the previous, income data were also collected. In the group of females, income was found to be a better predictor of financial situation assessment than money attitudes, and the anxiety dimension of money attitudes was slightly mediating income - financial situation relationship. In the group of males, the effect of money attitudes in predicting financial assessment is primarily additive to the effect of income. Keywords: Consumer psychology; income level; money attitudes PsycINFO classification: 3920, 2229 JEL classification: D12, D13, D31 The majority of the research on fi