No

1
2
3
4
5
6
7
8
9

Refernces

Original Questions
I use credit cards to make purchases that I can't afford and I don't have the money in the
bank to pay the bill
I budget and track spending.
I always update the total savings, and money for future financial needs and goals in life
I compare prices when shopping for purchases.
I have low levels of financial knowledge (Individual Financial Stastification)
I have ability to meet basic necessities ( Individual Financial Satisfaction)
I have my parents "bail me out" of credit card debt.
I have difficulty concentrating on my school/or work because of my financial situation.
I always have enough cash at hands

Kristy L. Archuleta, Anita Dale, and Scott M. Spann (2013)

Financial Satisfaction, and Financial Anxiety Financial Satisfaction, and Financial Anxiety
Journal of Financial Counselling and Planning
1
2
3
4

Individual/Internal Factors
Modified Questions

I use credit cards to make expensive purchases when I have no cash at hands.4
I regularly record of all my expenses.3
I contribute to a savings account regularly.3
I always go for the best price of the same product from different stores
I am confident with my level of financial knowledge 1
I dont have any problem in fulfilling my basic necessities every months 2
my parents always help me to settle my debts
I have difficulty concentrating on my studies because of my financial situation 2
I always bring cash in my wallet/purse 4

Individual Financial Knowledge

Individual Financial Stastification
Individual Budget Planning
Prudent Individuals

References

College Student Financial Literacy Survey

Financial Satisfaction, and Financial Anxiety
College Student Financial Literacy Survey
Financial Satisfaction, and Financial Anxiety
Financial Satisfaction, and Financial Anxiety
College Student Financial Literacy Survey
Financial Satisfaction, and Financial Anxiety
College Student Financial Literacy Survey

Financial Satisfaction, and Financial Anxiety

Financial Satisfaction, and Financial Anxiety
Financial Satisfaction, and Financial Anxiety
Financial Satisfaction, and Financial Anxiety

Internal Factor
1. Prudent Individuals
Original Question

2. Individual Financial Stastification

Original Question
I have ability to meet basic necessities

I have difficulty concentrating on my school/or work because of my financial situation

3. Individual Budget Planning

Original Question

I always update the total savings, and money for future financial needs and goals in life

4. Individual Financial Knowledge

Original Question
I have low levels of financial knowledge

Modified Question
I use credit cards to make purchases that I can't afford
I always bring cash in my wallet/purse
I will pay the money that i borrowed from friends/family on time

Modified Question
I dont have any problem in fulfilling my basic necessities every months

I have difficulty concentrating on my studies because of my financial situation

Modified Question
I budget and track spending
I contribute to a savings account regularly

Modified Question
I am confident with my level of financial knowledge
I regularly updating myself with the current economic condition of this country

References

References
Kristy L. Archuleta, Anita Dale, and Scott M. Spann (2013), Financial Satisfaction,
and Financial Anxiety Financial Satisfaction, and Financial Anxiety, Journal of
Financial Counselling and Planning
Kristy L. Archuleta, Anita Dale, and Scott M. Spann (2013), Financial Satisfaction,
and Financial Anxiety Financial Satisfaction, and Financial Anxiety, Journal of
Financial Counselling and Planning

References

Kristy L. Archuleta, Anita Dale, and Scott M. Spann (2013), Financial Satisfaction,
and Financial Anxiety Financial Satisfaction, and Financial Anxiety, Journal of
Financial Counselling and Planning

References
Kristy L. Archuleta, Anita Dale, and Scott M. Spann (2013), Financial Satisfaction,
and Financial Anxiety Financial Satisfaction, and Financial Anxiety, Journal of
Financial Counselling and Planning