Fixed alternative question

Savings
 I have better understanding on how to manage my money/allowance through budgeting.
 I know the importance of to saving my money.
 I have the attitude to maintain a record for my income and expenses.
 I have no difficulty in managing my money.
 I save to achieve financial freedom.
 I allocate money for emergency purposes.
 I am more concerned with what happens to me in the long run than short run.
Reference
Bona, J. (2019). The savings behavior of the iGeneration. Religación Revista de
ciencias socialesy
humanidades, 15(4), 122-128.
https://media.neliti.com/media/publications/331670-the-savings-behavior-of-the-
igeneration-3375d774.pdf

 I am interested in looking at different ways of saving money

 When I save, it is usually because I want something special
 We always talk about our finances at home.
Reference
Furnham, A. (1999). The saving and spending habits of young people. Journal of Economic
Psychology, 20(6), 677–697. https://doi.org/10.1016/S0167-4870(99)00030-6

Spending
 I do not spend money on things that is not included in the budget.
 I always follow my monthly budget.
 I prepare a list of required items ahead of time before buying.
 I do not spend on items which I do not need.
 I always failed to control myself from spending money.
Reference
Bona, J. (2019). The savings behavior of the iGeneration. Religación Revista de
ciencias socialesy
humanidades, 15(4), 122-128.
https://media.neliti.com/media/publications/331670-the-savings-behavior-of-the-
igeneration-3375d774.pdf

 I never seem to have enough money

 I don't care if I don't have much money
 Money is for spending, not for holding on to
 I tend to spend money as soon as I get it
  I easily spend my money
Reference
Furnham, A. (1999). The saving and spending habits of young people. Journal of Economic
Psychology, 20(6), 677–697. https://doi.org/10.1016/S0167-4870(99)00030-6

Investing
 I know the importance of investing
 I know to handle my investment
 Investing help me feel secure of my finances
 I tend to be scared in putting my money in an investment
 I make sure that my investment is growing
 I accept whether my investment will gain or loss
 I want to start my own investment
 I am open to learn about investing
 I don’t care about investing
 If I invest, I already expect that it will earn income