Journal of Personal Finance Volume 23, Issue 1 2024

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Techniques, Strategies and Research for consumers, Educators and Professional Financial Consultants

IARFC Members receive a complimentary electronic copy.

Login then under Publications click Journal of Personal Finance, then Archive Issues and select the one you want.

IARFC members who would like a hard copy may purchase one.  (Shipping Included)

Non-IARFC Members may purchase either an electronic or hard copy.  Electronic copies are available at the eproducts section of the IARFC store.

"This edition of the Journal of Personal Finance touches on financial health and well-being. We are proud to publish these manuscripts that help develop our collective understanding of how consumers search for financial advice and utilize credit. Our current edition also provides a strong warning about credit card fraud vulnerability from which all Journal readers, their families, and clients will benefit. We open this edition with an exhibit of work from two amazing financial planning students at Utah Valley University. Taken together, our Fall 2023 edition blends academic and practical manuscripts into a broad reaching survey of personal finance."

"The Spring 2024 edition of The Journal of Personal Finance could not be better timed. Rising interest rates, inflation, and higher education costs are imprinted on the minds of consumers, financial professionals, and academics alike. Revolving and nonrevolving consumer debt increased by 7.3% in 2022, 2.6% in 2023, and is up 4.7% from last January.1 Higher interest rates, combined with an uptick in personal loans and credit card accounts assessed interest, paint a stressful picture of what might lie ahead. This edition of The Journal of Personal Finance studies debt and financial literacy through a rigorous lens. We are proud to publish four articles weaving together gender, financial literacy, credit, well-being, fraud, and threats. Different data sets and scales lead to similar factors and conclusions. 


Register for the Journal of Personal Finance Online CE quizzes and receive both the Spring and Fall 2023 quizzes for $20.  Read the articles in the Journal and then take the quiz online. The questions are provided in the back of the Journal for reference. Once you have registered, you will receive an email with a link to access the quiz.

Two units of IARFC CE will be awarded to anyone who achieves a score of 70% or higher per quiz. Only one quiz submission per IARFC member is allowed.

 IARFC CE Guidelines for Professional Self-Study Up to five units may be claimed for studying a business-related book, maximum 15 units. Academic journals up to 3 units each, maximum 15 units.