Tài liệu Household Financial Management: The Connection between Knowledge and Behavior

Marianne A. Hilgert and Jeanne M. Hogarth, of the
Board’s Division of Consumer and Community
Affairs, and Sondra G. Beverly, of the University of
Kansas, prepared this article.
Across the decade of the 1990s to the present, the
issue of financial education has risen on the agendas
of educators, community groups, businesses, government
agencies, and policymakers.1 This increased
interest in financial education has been prompted by
the increasing complexity of financial products and
the increasing responsibility on the part of individuals
for their own financial security. Well-informed,
financially educated consumers are better able to
make good decisions for their families and thus are
in a position to increase their economic security and
well-being. Financially secure families are better able
to contribute to vital, thriving communities and
thereby further foster community economic development.
Thus, financial education is important not only
to individual households and families but to their
communities as well.