Purpose The purpose of this paper is to explore the impact of consumer spending self-control (CSSC), personal saving orientation (PSO), materialism, financial knowledge (FK) and time perspective (TP) on Brazilian consumers’ perceived financial well-being. Design/methodology/approach A conceptual framework is provided to support the research hypotheses. A survey with 1,027 respondents allowed the research hypotheses to be tested by means of regression-based models. Findings The findings show that the two dimensions of financial well-being – current money management stress and future financial security – are predicted by CSSC, materialism and TP; PSO also predicts future financial security. TP moderates the effect of materialism on current money management stress, and CSSC mediates this relationship. Research limitations/implications The role of FK in predicting financial well-being is weakened in the presence of the psychological variables investigated, which has important implications for financial education efforts. The use of survey data alone limits the research findings, as the advocated causal relationships are based solely on theory; gathering experimental data to further support the findings is a possibility for future research. Practical implications Banks and other financial institutions can create tools to stimulate control of their customers’ day-to-day spending and try to show assertive projections to evidence the impact of their present actions on their financial future, enhancing personal awareness and promoting overall well-being. Originality/value The authors advance knowledge on the antecedents of financial well-being and offer two explanations involving moderating and mediating relationships that enhance the understanding of the individual differences that shape current money management stress.

The study of financial well‐being has gained attention in recent years and a number of scholarly articles have pointed to gender‐related differences and their antecedents and consequents. The continuous growth of scholarly literature on women’s financial well‐being and its dispersion impose difficulties for researchers to comprehensively assess the state of knowledge on the topic. In this context, the objectives of this research are to conduct a systematic literature review of women’s financial well‐being and to propose directions for future research. This study comprises a review of 130 articles published in peer‐reviewed journals over the period 1990–2020. Bibliometric analysis was used to identify the year of publication and the countries surveyed, journal of publication, methodologies, concepts, measures and theoretical frameworks utilized; subsequent content analysis allowed us to summarize the main findings. We organized the identified antecedents of women’s financial well‐being into three categories: individual, household and community and societal level elements. The elements that constitute these categories are discussed and our findings point to important gender‐related differences. Based on the identified literature gaps, directions for future research are proposed. The theoretical contribution of this study lies in delivering a comprehensive overview of available evidence on women’s financial well‐being. Its practical and societal implications include the provision of knowledge that may allow better targeting of financial education programmes, economic empowerment interventions and public policies, which may help reduce the financial well‐being gender gap.

Objetivo: Este estudo tem como objetivo avaliar o efeito do conhecimento financeiro e da orientao para o futuro no nvel de segurana financeira pessoal e, adicionalmente, identificar se o conhecimento financeiro uma varivel mediadora da relao entre orientao para o futuro e segurana financeira pessoal. Metodologia/abordagem: Foi realizada uma pesquisa de natureza quantitativa, descritiva, por meio de survey online com 378 participantes com idades entre 25 e 50 anos. Principais resultados: A anlise do modelo de mediao revelou que, quanto maior a orientao para o futuro, maior o interesse pelo conhecimento financeiro e maior a segurana financeira dos indivduos. Contribuies tericas: A identificao da mediao representa uma contribuio de natureza terica importante, pois evidencia que um fator psicolgico (a orientao no tempo) no apenas interfere no comportamento de poupana dos indivduos, como tambm aumenta a propenso de busca por conhecimento financeiro. Relevncia/originalidade: Compreender quais fatores esto associados deciso de poupar essencial para o fomento de uma cultura mais orientada poupana, que tende a diminuir a vulnerabilidade financeira das famlias. Nesta linha, este estudo faz uma anlise indita do efeito concomitante das variveis conhecimento financeiro e orientao para o futuro sobre a segurana financeira. Implicaes gerenciais: Os resultados so relevantes para a criao de programas de educao financeira de instituies pblicas e privadas, uma vez que demonstram a importncia de se conscientizar as pessoas sobre a orientao para o futuro previamente exposio a contedos de educao financeira.

A compreensão dos fatores que afetam o bem-estar financeiro dos indivíduos é um tópico atual e relevante nas literaturas de comportamento do consumidor, finanças comportamentais e psicologia econômica. Múltiplas causas têm sido apontadas como antecedentes do bem-estar financeiro, que, por sua vez, é um importante componente do bem-estar geral do indivíduo. A correta mensuração empírica desse construto é essencial para o teste de hipóteses e avanço da literatura sobre o tema. Nesse sentido, neste artigo, validamos a escala Perceived Financial Well-Being de Netemeyer et al. (2018) no Brasil. A escala original, com dez itens divididos nas dimensões futuro e presente, tem seus itens traduzidos para o Português e sua validade de conteúdo verificada. As propriedades psicométricas do instrumento de medida são analisadas a partir de uma amostra de 1.027 indivíduos e avaliadas como adequadas em termos de dimensionalidade, consistência interna, e validades de construto, discriminante, de critério e nomológica.