Екатерина Щёголева - M.Ed. - Advanced Teaching at the Elementary, Middle School and Secondary School specialization

by John L. Murphy Social Security Bulletin, Vol. 73, No. 1, 2013 (released February 2013) his study uses data from the Health and Retirement Study (HRS) to analyze the psychological and social variables associated with financial literacy. The HRS is a nationally representative longitudinal survey of individuals older than age 50 and their spouses. An ordinary least squares linear regression analysis explores the relationship between financial literacy and several economic and psychosocial variables. After controlling for earnings, level of education, and other socioeconomic variables in this exploratory...

When love meets money, communication should be the real financial plan. Couples talk about their future together. Friends make plans for trips. Families figure out how to support each other. Even though money affects all these relationships, it’s still one of the hardest things to talk about openly. In my sessions with clients, I often notice that people think financial problems are just about discipline or budgeting. More often, though, the real issue is communication. People make assumptions that aren’t talked about, keep expectations to themselves, and don’t set clear boundaries...

A lack of financial literacy could create an emotional burden. Here's why. Nathan Astle MFT, CFT-I The Psychology of Debt Depending on how we manage stress, our mental well-being and health could be at risk. Each day, we encounter a variety of stressors, creating triggers that, when pulled, can harm our peace of mind. Pressure at work and problems at home are common reasons for emotional issues. When these issues go unchecked, we are more vulnerable to additional future stressors. Stress impacts most bodily systems, and it’s up to us to minimize those health risks...

Aarti Chauhan 1,Nishi Malik1,Sudesh Chhikara21 Research Scholar, Kurukshetra University, Kurukshetra, India, 136118,2 Professor, Kurukshetra University, Kurukshetra, India, 136118, DOI : https://doi.org/10.61336/acr/25-04-30 Received July 20, 2025 Revised Aug. 12, 2025 Accepted Sept. 6, 2025 Published Sept. 11, 2025 Abstract Purpose- Investor behavior is shaped by both cognitive dispositions and financial competencies. Among the psychological factors influencing investment decisions, risk aversion and locus of control have been widely recognized as critical determinants of risk-taking behavior...

‍ Navigating financial planning can present unique challenges for neurodiverse individuals, including those with conditions like ADD or ADHD. Understanding the concept of neurodiversity and recognizing the specific financial obstacles associated with neurodiverse traits are fundamental steps in developing effective financial strategies tailored to individual needs. ‍ ‍ Neurodiversity encompasses a range of neurological variations, emphasizing that differences in brain function are normal and should be respected...

We examine whether inflated perceptions of financial literacy affect financial decision making. Gaps between objective financial literacy and self-reported (perceived) financial literacy (blind spots) predict 19 financial behaviors better than age, gender, income, ethnicity, marital status, self-employment status, and general education levels. Only two predictors, perceived financial literacy and financial education, carried similar levels of predictive power on financial behaviors. Those with inflated perceptions of financial literacy are more likely to miss mortgage payments, receive a collection call, use informal debt, and have poor banking behavior...

Ruofan Bai 1,* Editor: Wajid Khan2 PMCID: PMC10645357  PMID: 37963159 Abstract The topic of financial wellbeing is a current concern within the realm of personal and household finance. This study aims to examine the influence of cognitive factors, specifically financial literacy, mental budgeting, and self-control, on subjective financial wellbeing. While there exist multiple determinants of financial wellbeing, this research focuses on these particular cognitive factors. The present study aims to...

Money, a simple tool for transactions, is intricately connected to our emotions, beliefs, and behaviours. The psychology of money explores how our mindset and habits around finances influence our decisions and, ultimately, our financial well-being. At the core of this lies financial literacy; the ability to understand and manage money effectively. Our relationship with money often stems from early experiences and societal influences. For example, individuals raised in environments of scarcity may develop a “scarcity mindset,” marked by a fear of loss and impulsive behaviour. On the other hand,...

Financial literacy psychology bridges knowledge of money management with behavioral science, demonstrating that financial well-being is driven by both competence and psychology, such as self-control, mental accounting, and cognitive biases. It shows that high literacy fosters confidence and reduces debt-related stress, while low literacy often leads to poor, emotion-driven decisions like impulsive spending...

by Daria Papushoi Relationships between teachers and students can be like a rollercoaster — full of ups and downs. A good relationship is based on loyalty, respect and support. When a teacher is scrupulously honest and shows complete and unswerving loyalty to their profession, students feel motivated and trusted. For example, a teacher who never speaks ill of students behind their backs creates a positive atmosphere. However, not all relationships are smooth. Sometimes misunderstandings occur. A rift can develop if a teacher is unsupportive or disrespectful...

Источник - Онлайн школа Skysmart: https://skysmart.ru/articles/english/frazovye-glagoly-v-anglijskom-yazyke Без фразовых глаголов сложно понимать английскую речь, ведь от одного предлога меняется значение фразы целиком. В этом материале разберемся, что такое фразовые глаголы, зачем их учить и как это делать весело. А еще поделимся списком из 150 таких глаголов с переводом и примерами. Устраивайтесь поудобнее and keep up with us! Что такое фразовые глаголы Фразовые глаголы (phrasal verb) — это глаголы-конструкторы...

Wonders Happen When You Pray This book was written for the purpose of telling you how to reach the source of your good, and get desired results through praying effectively. Do you know how to pray? How long is it since you prayed as part of your everyday activities? In an emergency, in time of danger or trouble, in illness, and when death lurks, prayers pour forth—your own and your friends. Just read your daily newspaper. It is reported that prayers are being offered up all over the nation for a...