Pengar på hjärnan: en tvärsnittsstudie om sambanden mellan privatekonomiska problem och psykisk ohälsa, ensamhet och coping.
(2026) PSPR14 20252Department of Psychology
- Abstract (Swedish)
- Många svenskar upplever just nu en ekonomiskt ansträngd situation. Att ha privatekonomiska problem har i tidigare forskning visat sig ha kopplingar till psykisk ohälsa och suicidalt beteende. Mot denna bakgrund är det angeläget att vidare undersöka de faktorer som är associerade med privatekonomiska problem. Syftet med denna tvärsnittsstudie var att undersöka om finansiell förmåga, psykisk ohälsa, ensamhet och coping kan predicera privatekonomiska problem bland vuxna svenskar, samt att identifiera vilken variabel som utgör den starkaste prediktorn. Privatekonomiska problem operationaliserades genom tre utfallsvariabler: återkommande svårigheter att betala räkningar under de senaste 12 månaderna, förväntade svårigheter att betala räkningar... (More)
- Många svenskar upplever just nu en ekonomiskt ansträngd situation. Att ha privatekonomiska problem har i tidigare forskning visat sig ha kopplingar till psykisk ohälsa och suicidalt beteende. Mot denna bakgrund är det angeläget att vidare undersöka de faktorer som är associerade med privatekonomiska problem. Syftet med denna tvärsnittsstudie var att undersöka om finansiell förmåga, psykisk ohälsa, ensamhet och coping kan predicera privatekonomiska problem bland vuxna svenskar, samt att identifiera vilken variabel som utgör den starkaste prediktorn. Privatekonomiska problem operationaliserades genom tre utfallsvariabler: återkommande svårigheter att betala räkningar under de senaste 12 månaderna, förväntade svårigheter att betala räkningar under de kommande två månaderna samt förekomst av skulder hos Kronofogden. Data samlades in via en webbaserad enkät som besvarades av 2035 vuxna personer i åldrarna 18–96 år under hösten 2024. Hierarkiska logistiska regressioner genomfördes, med kontroll för kön, ålder och inkomst. Resultaten visade att finansiell förmåga, psykisk ohälsa, ensamhet och undvikande coping var signifikanta prediktorer för minst ett av de tre utfallsmåtten. Finansiell förmåga kunde signifikant predicera samtliga utfall, vilket understryker dess betydelse för privatekonomiska utfall. Psykisk ohälsa var den starkaste prediktorn för både tidigare och förväntade svårigheter att betala räkningar. Studien bidrar med en integrerad bild av samband mellan ekonomiska och psykologiska variabler. Hur dessa samband uppstår är ännu inte klarlagt och vidare forskning behövs. (Less)
- Abstract
- Many Swedish people are living under the weight of a financially precarious situation. Previous research has illuminated the steep cost of experiencing financial difficulties, finding relationships to psychological distress and even suicidal behaviors. Against this background, it is important to further examine the economic and psychological factors associated with financial difficulties. The present cross-sectional study examined whether financial literacy, psychological distress, loneliness, and coping predicted financial difficulties, operationalised as recurring difficulties paying bills during the past 12 months, expected difficulties paying bills in the upcoming two months, and having registered debts with the Swedish Enforcement... (More)
- Many Swedish people are living under the weight of a financially precarious situation. Previous research has illuminated the steep cost of experiencing financial difficulties, finding relationships to psychological distress and even suicidal behaviors. Against this background, it is important to further examine the economic and psychological factors associated with financial difficulties. The present cross-sectional study examined whether financial literacy, psychological distress, loneliness, and coping predicted financial difficulties, operationalised as recurring difficulties paying bills during the past 12 months, expected difficulties paying bills in the upcoming two months, and having registered debts with the Swedish Enforcement Authority. Data were collected through an online questionnaire completed by 2,035 adults aged 18-96 during the autumn of 2024. Hierarchical logistic regression analyses were conducted to identify the strongest predictors of financial difficulties. The results showed that financial literacy, psychological distress, loneliness, and avoidant coping were significant predictors of at least one outcome. Financial literacy was a significant predictor across all models, highlighting its importance for financial outcomes. Psychological distress emerged as the strongest predictor of both past and expected difficulties paying bills. This study contributes an integrated perspective on the connections between economic and psychological variables. The exact nature of these relationships are as of yet undetermined and further research is needed. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/9218751
- author
- Larsson, Johanna LU and Willborg, Elsa LU
- supervisor
- organization
- course
- PSPR14 20252
- year
- 2026
- type
- H3 - Professional qualifications (4 Years - )
- subject
- keywords
- financial literacy, psychological distress, loneliness, coping, financial difficulties, finansiell förmåga, psykisk ohälsa, ensamhet, privatekonomiska problem
- language
- Swedish
- id
- 9218751
- date added to LUP
- 2026-01-20 09:36:21
- date last changed
- 2026-01-20 09:36:21
@misc{9218751,
abstract = {{Many Swedish people are living under the weight of a financially precarious situation. Previous research has illuminated the steep cost of experiencing financial difficulties, finding relationships to psychological distress and even suicidal behaviors. Against this background, it is important to further examine the economic and psychological factors associated with financial difficulties. The present cross-sectional study examined whether financial literacy, psychological distress, loneliness, and coping predicted financial difficulties, operationalised as recurring difficulties paying bills during the past 12 months, expected difficulties paying bills in the upcoming two months, and having registered debts with the Swedish Enforcement Authority. Data were collected through an online questionnaire completed by 2,035 adults aged 18-96 during the autumn of 2024. Hierarchical logistic regression analyses were conducted to identify the strongest predictors of financial difficulties. The results showed that financial literacy, psychological distress, loneliness, and avoidant coping were significant predictors of at least one outcome. Financial literacy was a significant predictor across all models, highlighting its importance for financial outcomes. Psychological distress emerged as the strongest predictor of both past and expected difficulties paying bills. This study contributes an integrated perspective on the connections between economic and psychological variables. The exact nature of these relationships are as of yet undetermined and further research is needed.}},
author = {{Larsson, Johanna and Willborg, Elsa}},
language = {{swe}},
note = {{Student Paper}},
title = {{Pengar på hjärnan: en tvärsnittsstudie om sambanden mellan privatekonomiska problem och psykisk ohälsa, ensamhet och coping.}},
year = {{2026}},
}