Financial self-regulation includes self-regulation strategies. Such strategies—actions and thoughts promoting financial goals over financial temptations—can intervene at multiple points in the self-regulation process. We discuss financial self-regulation strategies in the context of the process model, highlighting empirically studied strategies shown to increase saving or reduce spending. We then discuss factors linked to strategy effectiveness. Although there is no consensus which specific strategy may be superior, there is evidence suggesting that financial strategies employed ahead of a tempting situation (vs. during the situation), self-generated strategies that fit one's personality, and a wider variety of strategies likely result in more self-regulatory success. We also discuss the limits of financial self-regulation strategies and the circumstances under which strategies may be ineffective.

中文翻译：

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金融自律

金融自律包括自律策略。这样的策略——促进财务目标而不是财务诱惑的行动和思想——可以在自我调节过程中的多个点进行干预。我们在流程模型的背景下讨论了金融自律策略，重点介绍了经实证研究的策略，这些策略表明可以增加储蓄或减少支出。然后，我们讨论与战略有效性相关的因素。尽管尚无共识哪种具体策略可能更好，但有证据表明，在诱人情况之前（与在情况期间）采用财务策略，适合个人个性的自我生成策略以及更广泛的策略可能会导致在更多的自我监管上取得成功。