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The following is an excerpt of an article and a chapter of my PhD Thesis.  Please contact me if you are interested in this topic.

Transformation model less – more

Based on thorough empirical research, I constructed a transformation model consisting of seven stages. It is a sequential model in that the described patterns of behavior develop in an orderly sequence, although  not necessarily experienced by all respondents in the same order, or over the same time span. The model describes the process of behavioral changes resulting from, or linked to a considerable decrease in income or spending. It should be viewed as a prototype for the concrete experiences of the respondents.

The model is presented as a matrix. Each stage is discussed using the following themes: 1. Event (the characteristic), 2. Action (the behavioral activities), 3. Barrier, an obstacle to progress and its opposite: 4. Stimulus. The latter two themes may refer to personal matters, such as attitudes, skills or emotions; or social matters.

An important result of the studyis the finding that living with less is primarily a life matter instead of a purely financial matter: reorganizing expenses means reorganizing life. The study demonstrated that in order to deal with serious financial problems one has to address other life domains as well. However, although financial problems appear to be connected to non-monetary issues, it does not mean that serious attention to money management is unnecessary.

Read more about this research in the article: Living with less as a transformation process: A qualitative research on consumer behavior change through spending reduction; Qualitative Market Research, an International Journal. Vol 15 ISS 2p 188 - 205.