Date of Award
Using the Transtheoretical Model (TTM) of change (Prochaska & Di Clemente, 1982) as a guide to analyze financial behavior, college students were asked a variety of questions about their financial situations. Recruited from undergraduate classes at Utah State University, 112 students took the online survey. Surprisingly, 44.4% of participants reported being in the Maintenance stage of the TTM, and 71.2% reported contributing at least monthly to some sort of savings or investment account. In terms of Financial Planning Personality Type (Lown, 2007), 46.3% of respondents were Planners and 23.1% were Savers. Though the study displays limitations, it begs further investigation into the subject of saving and investing among college students.
Cummings, Benjamin Franklin, "Application of the Transtheoretical Model of Change to Saving Behaviors of College Students" (2007). Undergraduate Honors Capstone Projects. 675.
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Jean M. Lown
Departmental Honors Advisor
Scott C. Bates