A consumer education programme based on the Transtheoretical Model of Change

Jing Jian Xiao, Barbara O'Neill, Janice M. Prochaska, Claudia M. Kerbel, Patricia Brennan, Barbara J. Bristow

Research output: Contribution to journalArticlepeer-review

48 Scopus citations


MONEY 2000™ 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 2000™ 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 2000™ 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.

Original languageEnglish (US)
Pages (from-to)55-65
Number of pages11
JournalInternational Journal of Consumer Studies
Issue number1
StatePublished - Jan 2004

All Science Journal Classification (ASJC) codes

  • Applied Psychology
  • Economics and Econometrics
  • Public Health, Environmental and Occupational Health
  • Marketing


  • Behaviour change
  • Debt reduction
  • Saving
  • Transtheoretical Model of Change


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