Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration. / MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014

Doctor of Philosophy / Department of Family Studies and Human Services / John E. Grable / Anthony Jurich / This study was designed to investigate the link between marital quality and financial management roles by gaining insight into the relationship processes of farm couples. Fifty-five married individuals who identified living in a rural or farm location comprised the sample. Each participant completed a paper-pencil survey that included assessment of demographic variables, financial management role involvement, satisfaction with financial management roles, financial satisfaction, and marital satisfaction. Results indicated that respondents of this study were more likely than their spouses to hold primary responsibility for financial management roles and were moderately satisfied with their role involvement. This finding indicated that couples may specialize in taking on the financial management roles they play, rather than working together jointly. Secondly, a new scale emerged, based on Gottman's Sound Relationship House Scales, and was entitled "Shared Goals & Values," utilizing a factor analysis. This scale assessed the meaning of money, financial goals, views about autonomy, and hopes and aspirations within the couple relationship. The Shared Goals & Values scale was found to be a factor influencing both marital satisfaction and financial satisfaction. This finding indicated that the way a couple views money does have impact on marital satisfaction and financial satisfaction. Finally, evidence was found that having shared views about roles within the relationship was more of a predicting factor for financial satisfaction than how a couple communicated during conflict. In regards to a couple's perceived financial satisfaction, having similar perceptions about relationship roles, shared views about money, financial management role satisfaction and increased household income were the important predicting factors. Sharing similar views about money and support for goals in one's life, and household income were significant in predicting increased marital satisfaction.