Emotional self regulation in women’s financial behavior in wartime conditions

Abstract

The article offers a theoretical analysis of emotional self-regulation in women’s financial behavior under wartime conditions. The relevance of the topic arises from the interaction of prolonged uncertainty, threats to personal safety, unstable income, and changing family and professional responsibilities. The aim is to substantiate possible mechanisms linking emotional self-regulation to women’s financial decisions and identify directions for empirical investigation. The study uses analysis, comparison and synthesis of scholarly publications, together with conceptual modeling. Financial behavior is distinguished from financial literacy, objective material circumstances and subjective financial well-being. Cognitive reappraisal, expressive suppression, self-control and coping are discussed in relation to spending plans, saving, borrowing and seeking support. A conceptual model is proposed in which wartime and socioeconomic circumstances interact with situation appraisal, emotional experiences, regulatory strategies and financial actions. Feedback relationships and direct effects of material circumstances are also considered. The paper emphasizes that emotional selfregulation cannot remove structural constraints or guarantee income growth. Its contribution lies in distinguishing the material feasibility of a financial action from psychological readiness to perform it, and in proposing a contextual assessment of adaptive financial behavior. The proposed relationships are theoretical assumptions rather than findings from an original empirical study. Future research should examine these relationships while accounting for income stability, displacement, care responsibilities and access to financial resources. Correlational and longitudinal designs, supported by appropriately adapted measures, are identified as possible approaches.