Financial Stress Scale Guideline

<p data-end="877" data-start="739">This publication includes two files to support reuse of the <strong data-end="837" data-start="799">APR Financial Stress Scale (A–P–R)</strong> in research, education, and practice:</p>

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<p data-end="1056" data-start="880"><strong data-end="903" data-start="880">Excel questionnaire</strong> with the <strong data-end="935" data-start="913">24 validated items</strong> across three domains—Affective, Physiological, and Relational responses—rated on a <strong data-end="1053" data-start="1019">5-point Likert agreement scale</strong>.</p>
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<li data-end="1262" data-start="1057">
<p data-end="1262" data-start="1059"><strong data-end="1078" data-start="1059">DOCX user guide</strong> detailing recommended administration, scoring procedures (total and subscale scores), handling of missing responses, and reporting guidance (e.g., reliability in the user’s sample).</p>
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<p data-end="1599" data-start="1264">Users should cite the original peer-reviewed source when using or adapting the instrument.<br data-end="1357" data-start="1354" />
<strong data-end="1379" data-start="1357">Required citation:</strong> Heo, W., Cho, S. H., & Lee, P. (2020). <em data-end="1509" data-start="1419">APR Financial Stress Scale: Development and Validation of a Multidimensional Measurement</em>. <em data-end="1545" data-start="1511">Journal of Financial Therapy, 11</em>(1), Article 2. <a data-end="1599" data-start="1561" href="https://doi.org/10.4148/1944-9771.1216" rel="noopener" target="_new">https://doi.org/10.4148/1944-9771.1216</a></p>