A Consumer Education Programme Based on the Transtheoretical Model of Change
11 Pages Posted: 8 Jul 2004
Abstract
MONEY 2000TM 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 2000TM 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 2000TM 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.
Keywords: Saving, debt reduction, behaviour change, Transtheoretical Model of Change
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A Consumer Education Programme Based on the Transtheoretical Model of Change
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