Students often struggle to make ends meet and afford their education, and many of them suffer from

low income, low financial literacy, compulsive spending tendencies, and high debt levels.Several studies
have found that there are factors that influence the financial behavior, namely financial knowledge,
financial attitude, locus of control, risk tolerance, motivation, and mental accounting.According to Mien
& Thao (2015) financial attitude plays an important role in determining a person's financial management
behaviour. So from that it can be seen that the more positive financial attitude owned by someone, the
better the financial management behaviour possessed by the individual.From family experiences to
other factors such as the media, a range of influences shape our views of the world – including the
money habits put into practice each day. Whether have patterns of spending, saving, investing or even
budgeting, these habits are usually shaped by past experiences.