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A Generalizable Scale of Propensity to Plan: The Long and the Short of Planning for Time and for Money

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Date
2010
Authors
Lynch, John G
Netemeyer, Richard G
Spiller, Stephen A
Zammit, Alessandra
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Abstract
Planning has pronounced effects on consumer behavior and intertemporal choice. We develop a six-item scale measuring individual differences in propensity to plan that can be adapted to different domains and used to compare planning across domains and time horizons. Adaptations tailored to planning time and money in the short run and long run each show strong evidence of reliability and validity. We find that propensity to plan is moderately domain-specific. Scale measures and actual planning measures show that for time, people plan much more for the short run than the long run; for money, short- and long-run planning differ less. Time and money adaptations of our scale exhibit sharp differences in nomological correlates; short- run and long-run adaptations differ less. Domain-specific adaptations predict frequency of actual planning in their respective domains. A "very long-run" money adaptation predicts FICO credit scores; low planners thus face materially higher cost of credit.
Type
Other article
Subject
self-control
decision-making
implementation intentions
psychometric
properties
wealth-accumulation
consumer-behavior
affect intensity
choice
validity
procrastination
business
Permalink
https://hdl.handle.net/10161/4139
Published Version (Please cite this version)
10.1086/649907
Citation
Lynch,John G., Jr.;Netemeyer,Richard G.;Spiller,Stephen A.;Zammit,Alessandra. 2010. A Generalizable Scale of Propensity to Plan: The Long and the Short of Planning for Time and for Money. Journal of Consumer Research 37(1): 108-128.
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