Consumer Spending Self-Control Scale

What it measures

A spending-specific self-control measure that outperforms general self-control in predicting spending outcomes. Validated across multiple adult and student samples (total n>700) with consistently high alpha. Discriminant validity from GSC (r=0.48), frugality, impulsive buying, compulsive buying, and tightwad-spendthrift measures. Predicts credit card use, shopping decisions, investment decisions, and actual purchase behaviour. Mean across adult samples: M=5.16; no gender differences. Test-retest (4 weeks): r=0.78.

Response format

7-point Likert (1=strongly disagree to 7=strongly agree); items averaged; no reverse coding; higher scores = greater spending self-control

Scale items

• I closely monitor my spending behavior.
• I am able to work effectively toward long-term financial goals.
• I carefully consider my needs before making purchases.
• I often delay taking action until I have carefully considered the consequences of my purchase decisions.
• When I go out with friends, I keep track of what I am spending.
• I am able to resist temptation in order to achieve my budget goals.
• I know when to say when regarding how much I spend.
• In social situations, I am generally aware of what I am spending.
• Having objectives related to spending is important to me.
• I am responsible when it comes to how much I spend.

Full scale items shown. Always cite the original source when using this scale in research.

Usage notes & scoring

All items positively worded — no reverse coding. Items averaged (range 1–7). Mean across adult samples M=5.16, no significant gender difference. More predictive of spending outcomes than general GSC. Relevant for financial literacy, consumer vulnerability, and retail design research.

Recommended companion scales

Citation

Haws, K.L., & Bearden, W.O. (2010). Consumer spending self-control. Working paper, Texas A&M University.

Keywords