FİNANSAL TERAPİ ÜZERİNE BİR DEĞERLENDİRME

Finansman günümüzde hayati önem taşıyan bir gerçektir. Finansal denge bozulduğunda ve düzeltmek için gereken çaba gösterilemediğinde bunun özünü oluşturan para kavramı herkesin hayatında sorun olmaya devam edebilmektedir. Birey ya da aile çabalasa da kimi zaman bu tip problemlerin üstesinden gelmeleri mümkün olmamakta ve destek alınması gereği ortaya çıkmaktadır. Finansal Terapi hem finans ve hem de psikoloji uzmanlarının bir araya gelerek gerekli olan yapılanmayı yeniden inşa ettikleri disiplinlerarası bir müdahale yöntemidir. Amerika Birleşik Devletleri’nde (ABD) 2000’li yılların başında hayata geçmiştir. Bu çalışmada ilgili terapi ve modellerine dair genel bir fikir verilmeye gayret edilmiştir. Bu bağlamda ABD’de yapılan çalışmalar ve konu ile ilgili alanyazın incelenerek özet bir bilgi çıkartılmıştır.

Anahtar Kelimeler:

finansal terapi, finansal stres, finansal anksiyete, para

AN ASSESSMENT ON FINANCIAL THERAPY

Financing is a vital reality today. When the financial balance is disrupted and the necessary effort cannot be made to correct it, the concept of money, which constitutes its essence, can continue to be a problem in everyone's life. Even if the individual or family tries, sometimes it is not possible to overcome such problems and it becomes necessary to seek support. Financial Therapy is an interdisciplinary intervention method in which both finance and psychology experts come together to rebuild the necessary structure. It was implemented in the United States of America (USA) in the early 2000s. In this study, an attempt has been made to give a general idea about the related therapy and its models. In this context, a summary of the studies conducted in the USA and the literature on the subject were examined.

Keywords:

financial therapy, financial stress, financial anxiety, money,

PDF

___

Aldrick, P., Curran, E. ve Sasso, M. (2022). Wall street says a recession is coming consumers say it’s already here. Erişim adresi: https://www.washingtonpost.com/business/on- small-business /wall-street-says-a-recession-is-coming-consumers-say-its-already- here/2022/ 07/06/547a246a-fce9-11ec-b39d-71309168014b_story.html Erişim tarihi:11.09.2022
Ali, H., Hassan, S.U., Malik, M.S. ve Mubbashar, M. (2020). Impact of cognitive factors on financial behaviour with mediating role of financial anxiety. Epistemology7(3), pp. 82- 99. https: //journal.epistemology.pk /index. php/epistemology/article/view/134
Amsyar, I., Christopher, E., Dithi, A., Khan, A. N., ve Maulana, S. (2020). The Challenge of Cryptocurrency in the Era of the Digital Revolution: A Review of Systematic Literature. Aptisi Transactions on Technopreneurship (ATT), 2(2), pp 153-159.
Archuleta, K. L., ve Grable, J. E. (2011). The future of financial planning and counseling: An introduction to financial therapy. J.E. Grable, K.E. Archuleta,R.R. Nazarinia (Ed), In Financial planning and counseling scales (pp. 33-59), New York: Springer.
Archuleta, K.L., Britt, S.L., Tonn, T.J., ve Grable, J.E. (2011). Financial satisfaction and financial stressors in marital satisfaction. Psychological Reports, 108(2), pp.563-576 https://doi. org/ 10.2466/07.21.PR0.108.2.
Archuleta, K. L., Burr, E. A., Dale, A. K., Canale, A., Danford, D., Rasure, E., ve Horwitz, E. (2012). What is financial therapy? Discovering mechanisms and aspects of an emerging field. Journal of Financial Therapy, 3(2), pp. 57-78. https://doi.org/: 10.4148/jft.v3i2.1807
Archuleta, K. L., Grable, J.E., ve Burr, E. (2015). Solution focused financial therapy, eds: B.T. Klontz, S.L. Britt, K.L. Archuleta, Financial Therapy: Theory, Research and Practice. Pp: 121-142, New York: Springer
Archuleta, K. L., Britt, S. L., ve Klontz, B. T. (2016). Financial therapy. Handbook of consumer finance research, pp.73-82, Kingston RI: Springer
Beck, A.T. ve Weishaar M.J. (1995). Cognitive therapy, Eds: D.Wedding, R.J. Corsini, Current Psychotherapies. 2018, 11th Edition, Boston: Cengage
Benson, A. L., ve Eisenach, D. A. (2013). Stopping overshopping: An approach to the treatment of compulsive-buying disorder. Journal of Groups in Addiction & Recovery, 8(1), pp.3-24. https://doi.org/: 10.1080/1556035X.2013.727724
Benson, A.L. (2015). Stopping overshopping model, B.T. Klontz, S.L. Britt, K.L. Archuleta, (Eds), Financial Therapy: Theory, Research and Practice. New York: Springer
Britt, S. L., Archuleta, K. L., ve Klontz, B. T. (2015). Theories, models, and integration in financial therapy. Financial therapy: Theory, research, and practice, pp. 15-22. New York: Springer.
Britt, S. L., Klontz, B. T., ve Archuleta, K. L. (2015). Financial therapy: Establishing an emerging field. Financial therapy: Theory, research, and practice, pp. 3-13, New York: Springer.
Brundtland, G. H. (2000). Mental health in the 21st century. Bulletin of the world Health Organization, 78, pp.411-421.
Butterworth, P., Rodgers, B., ve Windsor, T. D. (2009). Financial hardship, socio-economic position and depression: Results from the PATH Through Life Survey. Social science & medicine, 69(2), pp.229-237. https://doi.org/10.1016/j.socscimed.2009.05.008
Carpintero, H. (2004). History of applied psychology, owerview. Encyclopedia of Applied Psychology, Ed: C. Spielberger, pp. 179-196, Florida: Academic Press
Corcoran, J., ve Pillai, V. (2009). A review of the research on solution-focused therapy. British Journal of Social Work, 39(2), pp.234-242. Https://doi.org/: 10.1093 /bjsw /bcm098
Cowles, C. (2022) Where Money meets feelings: Financial therapy finds its footing, The New York Times, https://www.nytimes.com/2022/08/13/business/financial-therapy-persona l-finance.html Erişim Tarihi: 25/08/2022
Danes, S. M., ve Hira, T. K. (1987). Money management knowledge of college students. Journal of Student Financial Aid, 17(1), pp.1.
Davis, C. G., ve Mantler, J. (2004). The consequences of financial stress for individuals, families, and society. Centre for Research on Stress, Coping and Well-being. Carleton University, Ottawa: Department of Psychology.
Duong, X. L., ve Liaw, S. Y. (2021). Psychometric evaluation of Online Shopping Addiction Scale (OSAS). Journal of Human Behavior in the Social Environment, 32(5), pp.618- 628.
Faber, R. J. (1992). Money changes everything: Compulsive buying from a biopsychosocial perspective. American Behavioral Scientist, 35(6), pp.809-819. https://doi.org/10.1177 /000 276 4292035006015
Ford, M. R., Baptist, J. A., ve Archuleta, K. L. (2011). A theoretical approach to financial therapy: The development of the Ford financial empowerment model. Journal of Financial Therapy, 2(2), pp.20-40 1. https://doi.org/10.4148/jft.v2i2.1447
Ford, M. R. (2015). Ford financial empowerment model. Financial Therapy: Theory, Research and Practice. B.T. Klontz, S.L. Britt, K.L. Archuleta, (Eds), New York: Springer.
Frydman, C., ve Camerer, C. F. (2016). The psychology and neuroscience of financial decision making. Trends in cognitive sciences, 20(9), pp.661-675.
Gale, J., Ross, D. B., Thomas, M. G., ve Boe, J. (2020). Considerations, benefits and cautions integrating systems theory with financial therapy. Contemporary Family Therapy, 42, 84-94.Gardner, J., & Oswald, A. J. (2007). Money and mental wellbeing: A longitudinal study of medium-sized lottery wins. Journal of health economics, 26(1), pp.49-60.
Granero, R., Fernández-Aranda, F., Mestre-Bach, G., Steward, T., Baño, M., del Pino- Gutiérrez, A., ve Jiménez-Murcia, S. (2016). Compulsive buying behavior: Clinical comparison with other behavioral addictions. Frontiers in Psychology, 7, 914. https:// doi.org/ 10.3389/fpsyg.2016.00914
Hofmann, S.G. ve Reinecke, M.A. (2010). Introduction, Cognitive Behavioral Therapy With Adults, Eds: S.G. Hofmann, M.A. Reinecke. New York: Cambridge
Friedman, E.S., Koening, A.M., ve Thase, M.E. (2016). Cognitive and behavioral therapies, Eds: S.H. Fatemi, P.J. Clayton, The Medical Basis of Psychiatry, pp: 781-798, Minneapolis: USA
FTA. (2020) Financial Therapy Association, CFT-I Practitioner handbook, FTA 2018—2020 https://financialtherapyassociation.org/wp-content/uploads/2020/12/Financial-Thera py-Association-CF-T-I%E2%84%A2-Practitioner-Handbook-2.pdf, Erişim Tarihi: 11.09.2022
FTA. (2023). https://financialtherapyassociation.org/become-a-financial-therapist/ Erişim tarihi: 31.03.2023 Jawahar, I. M., Mohammed, Z. J., ve Schreurs, B. (2022). Effects of financial anxiety and employability on emotional exhaustion and performance. Journal of Vocational Behavior, 137(2022), 103761, pp.1-15. https://doi.org/10.1016/j.jvb.2022.103761
Kessler, R. C., ve Greenberg, P. E. (2002). The economic burden of anxiety and stress disorders. Neuropsychopharmacology: The fifth generation of progress, 67, pp.982- 992.
Kim, J. H., Gale, J., Goetz, J., ve Bermúdez, J. M. (2011). Relational financial therapy: An innovative and collaborative treatment approach. Contemporary Family Therapy, 33(3), pp. 229-241.
Klein, J. T., ve Newell, W. H. (1997). Advancing interdisciplinary studies. Handbook of the undergraduate curriculum: A comprehensive guide to purposes, structures, practices, and change, pp.393-415.
Klonz, B.T., Klonz P.T., ve Tharp, D. (2015). Experiential financial therapy, eds: B.T. Klontz, S.L. Britt, K.L. Archuleta, Financial Therapy: Theory, Research and Practice, New York: Springer
Lea, S. E., ve Webley, P. (2006). Money as tool, money as drug: The biological psychology of a strong incentive. Behavioral and brain sciences, 29(2), pp.161-176.
Ljungqvist, I., Topor, A., Forssell, H., Svensson, I., ve Davidson, L. (2016). Money and mental illness: A study of the relationship between poverty and serious psychological problems. Community Mental Health Journal, 52, pp.842-850.
Macdonald, A. (2007). Solution-focused therapy: Theory, research & practice, London: Sage Publications. Maryville (2023). https://online.maryville.edu/online-bachelors-degrees/finance/careers/what- is-financial-therapy/ Erişim tarihi: 11.03.2023
McLeod, S. (2007). Maslow's hierarchy of needs. Simply psychology, 1(1-18).
Mueller, A., Joshi, M., ve Thomas, T. A. (2022). Excessive shopping on the internet: Recent trends in compulsive buying-shopping disorder. Current Opinion in Behavioral Sciences, 44, 101116, pp.1-7
Murali, V., Ray, R., ve Shaffiullha, M. (2012). Shopping addiction. Advances in psychiatric treatment, 18(4), pp. 263-269.
Nabeshima, G. ve Klontz, B. T. (2015). Cognitive-behavioral therapy, Experiential financial therapy, eds: B.T. Klontz, S.L. Britt, K.L. Archuleta, Financial Therapy: Theory, Research and Practice. New York: Springer
Niedermoser, D. W., Petitjean, S., Schweinfurth, N., Wirz, L., Ankli, V., Schilling, H., Zueger, C., Meyer, M. ve Walter, M. (2021). Shopping addiction: A brief review. Practice Innovations, 6(3), pp.199-207.
O'Neill, B., Prawitz, A., Sorhaindo, B., Kim, J., ve Garman, E. T. (2006). Changes in health, negative financial events, and financial distress/financial well-being for debt management program clients. Journal of Financial Counseling and Planning, 17(2), pp.46-63.
Pino, D. (2022). The recession predictions begin, NR Capital Matters, https://www.national review.com/corner/the-recession-predictions-begin/ Erişim Tarihi: 04/09/2022
Ponnet, K. (2014). Financial stress, parent functioning and adolescent problem behavior: An actor–partner interdependence approach to family stress processes in low-, middle-, and high-income families. Journal of youth and adolescence, 43(10), pp.1752-1769. http://dx.doi.org/ doi: 10.1007/s10964-014-0159-y
Psychologytoday (2023). https://www.psychologytoday.com/us/basics/therapy Erişim Tarihi: 04.09.2022
Rasmussen, P.R. (2005). Personality guided cognitive behavioral therapy. American Psychological Association, T. Millon (Ed.), Washington: United Book Press.
Satir, V. (1972). The new peoplemaking, New York: Science and Behaviour Books.
Seay, M., Goetz, J.W. ve Gale, J. (2015). Collaborative relational model, eds: B.T. Klontz, S.L. Britt, K.L. Archuleta, Financial Therapy: Theory, Research and Practice, New York: Springer pp:161-172
Sinclair, R. R., ve Cheung, J. H. (2016). Money matters: Recommendations for financial stress research in occupational health psychology. Stress and Health, 32(3), pp. 181- 193.
Steinhart, C. (2015) A brief history of Money, San Fransisco: Market Street Publishing.
Smith, T. E., Richards, K. V., Panisch, L. S., ve Shelton, V. M. (2018). Teaching financial problem solving: A curriculum model from a pilot BSW course. Journal of Baccalaureate Social Work, 23(1), pp.1-10.
Swan-Kremeier, L. A., Mitchell, J. E., ve Faber, R. J. (2005). Compulsive buying: A disorder of compulsivity or impulsivity? J.S. Abramowitz, A.C. Houts (Eds), In Concepts and controversies in obsessive-compulsive disorder, pp:185-190. Ontario: Springer
Trachtman, R. (1999). The money taboo: Its effects in everyday life and in the practice of psychotherapy. Clinical Social Work Journal, 27(3), 275-288.
Tsuchiya, K., Leung, C. W., Jones, A. D., ve Caldwell, C. H. (2020). Multiple financial stressors and serious psychological distress among adults in the USA. International Journal of Public Health, 65(3), 335-344. https://doi.org/:10.1007/s00038-020-013 54-x
Turhan, Ş. (2022) Bireysel borçtan takibe düşen sayısı 1.5 kat arttı. https://www.dunya.com/ ekonomi /bireysel-borctan-takibe-dusen-sayisi-15-kat-artti-haberi-649499 Erişim Tarihi: 02.09.2022
Watson, J.C., Greenberg, L.S., ve Lietaer, G. (1998). The experiential paradigm unfolding: Relationship and experiencing in therapy, Eds: L.S. Greenberg, J.C. Watson, G. Lietaer. Handbook of Experiential Psychotherapy, New York: The Guilford Press
Zimmerman, K.J. (2010). The influence of a financial management course on couples’ relationship quality. Graduate thesis, Iowa University, USA