A three-item scale measuring a consumer's confidence that they will successfully save the amount of money needed for a specific future financial goal. The scale captures forward-looking financial self-efficacy — the subjective belief in one's capacity to accumulate savings for a defined purpose — rather than past saving behaviour or general financial attitudes. It has been validated across multiple experimental studies involving saving goal framing manipulations.
7-point Likert
Full scale items shown. Always cite the original source when using this scale in research.
Three reliability estimates across independent studies: α = .90 (Study 1, n = 92), α = .94 (Study 2, n = 102), and α = .92 (Study 4, n = 103) — Ülkümen & Cheema (2011). No validity evidence reported. NOTE: the exact verbatim wording of the items was not reproduced in the original article; items shown here are reconstructed approximations based on the authors' descriptions. Researchers requiring verbatim item text should contact the authors directly before using the scale. Items are future-oriented and context-specific — the phrase 'for this occasion' in item 3 links the scale to a specific saving target that should be clearly established in the study context.
Ülkümen, Gülden and Amar Cheema (2011). Framing goals to influence personal savings: The role of specificity and construal level. Journal of Marketing Research, 48(6), 958–969.
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