| Net |
Moral impact |
20.1 - It is right to spend more than I make. |
1.39 |
1.00 |
0.82 |
| 20.2 - I think it is normal for people to go into debt to pay for their things. |
2.36 |
2.00 |
1.10 |
| 20.3 - People would be disappointed in me if they knew that I am in debt. * |
2.67 |
3.00 |
1.15 |
| Preference over Time |
20.4 - It is better to buy something on credit than to save up the money first. |
2.09 |
2.00 |
1.02 |
| 20.5 - I prefer to purchase in installments rather than to wait until I have enough money to pay in cash. * |
2.51 |
2.00 |
1.10 |
| 20.6 - I prefer to pay in installments even if the total amount ends up being more expensive. |
1.94 |
2.00 |
1.00 |
| Degree of Self-Control |
20.7 - I do not know exactly how much I owe on store cards, credit cards or bank loans. |
1.85 |
1.00 |
1.08 |
| 20.8 - It is not important to know how to control the expenses of my household. |
1.30 |
1.00 |
0.63 |
| 20.9 - It is okay to be in debt if I know I can pay. * |
3.38 |
4.00 |
1.26 |
| Financial Behavior |
Financial management |
21.1 - I am concerned with managing my money better. |
3.75 |
4.00 |
0.68 |
| 21.2 - I record and control my personal expenses. |
2.83 |
3.00 |
1.08 |
| 21.3 - I set financial goals that influence how I manage my finances. |
3.02 |
3.00 |
1.08 |
| 21.4 - I follow a weekly or monthly budget or spending plan. |
2.71 |
3.00 |
1.11 |
| 21.5 - I never go more than a month without taking stock of my expenses.* |
2.76 |
3.00 |
1.15 |
| 21.6 - I am satisfied with the system I use for controlling my finances. * |
2.95 |
3.00 |
1.10 |
| 21.7 - I pay my bills on time. * |
3.78 |
4.00 |
0.91 |
| Use of credit |
21.8 - I know how to identify the costs I will pay when buying a product on credit. * |
3.39 |
4.00 |
1.18 |
| 21.9 - I have not used automatic bank credit cards because I have money available. |
3.58 |
4.00 |
1.13 |
| 21.10 - When buying on installments, I compare the credit options that are available. * |
3.12 |
3.00 |
1.42 |
| 21.11 - Less than 10% of the income I will earn the following month is committed to purchases on credit. |
3.10 |
3.00 |
1.51 |
| 21.12 - I pay my credit card bill(s) in full to avoid financial charges. |
4.04 |
4.00 |
0.95 |
| 21.13 - I check my credit card bill for any errors or undue charges. * |
3.83 |
4.00 |
1.09 |
| Investment and savings |
21.14 - I set money aside monthly. |
3.18 |
3.00 |
1.04 |
| 21.15 - I set money aside to buy a more expensive product. Example: car, apartment. |
3.11 |
3.00 |
1.21 |
| 21.16 - I have a financial reserve that is greater than or equal to three times my monthly income. |
3.15 |
3.00 |
1.51 |
| Planned consumption |
21.17 - I compare prices when making a purchase. |
3.65 |
4.00 |
0.84 |
| 21.18 - I analyze my finances in depth before making any major purchases. |
3.49 |
4.00 |
0.90 |
| 21.19 - I do not buy on impulse. |
2.82 |
3.00 |
0.98 |
| 21.20 - I prefer to save up money to buy something in cash rather than buying a financed product. * |
3.10 |
3.00 |
1.01 |
| 21.21 - My friends and family advise me on financial matters. * |
2.63 |
3.00 |
1.07 |
| Materialism |
Centrality |
22.1 - I like to spend money on expensive things. |
2.87 |
3.00 |
1.12 |
| 22.2 - Buying things gives me great pleasure. |
3.37 |
4.00 |
1.12 |
| 22.3 - I like a lot of luxury in my life. |
2.73 |
3.00 |
1.14 |
| Happiness |
22.4 - My life would be much better if I had a lot of the things I do not have now. |
2.99 |
3.00 |
1.14 |
| 22.5 - I would be much happier if I could buy more things. |
3.42 |
4.00 |
1.15 |
| 22.6 - I feel uncomfortable when I cannot buy everything I want. |
3.21 |
3.00 |
1.15 |
| Success |
22.7 - I admire people who own houses, cars and expensive clothes. |
2.74 |
3.00 |
1.17 |
| 22.8 - I like to have things that impress people. |
2.29 |
2.00 |
1.15 |
| 22.9 - Spending a lot of money is among the most important things in life. |
1.73 |
1.00 |
0.92 |
| Rationality |
23.1 - I believe in being logical and rational when deciding on a product. |
3.88 |
4.00 |
0.92 |
| 23.2 - Before I make a final decision about a product, I consider the pros and cons about each product. |
3.87 |
4.00 |
0.92 |
| 23.3 - Before making a final decision about a product, I look for a lot of information about each product. |
3.79 |
4.00 |
0.95 |
| 23.4 - Before making a final decision about a product, I think a lot about myself using the product. |
4.01 |
4.00 |
0.84 |
| 23.5 - I believe in exercising self-control and not being impulsive when deciding on a product. |
3.76 |
4.00 |
0.91 |
| 23.6 - I believe in making a responsible, well thought-out decision. |
3.80 |
4.00 |
0.85 |
| 23.7 - I believe in selecting a product based on a careful examination of all its features. * |
3.71 |
4.00 |
0.91 |
| 23.8 - I think it is important to select the most practical product.* |
3.46 |
4.00 |
0.89 |
| 23.9 - When I am deciding whether or not to buy a product, I think about its usefulness. |
4.07 |
4.00 |
0.83 |
| Risk perception |
24.1 - Spending a lot of money on lotteries. |
3.98 |
4.00 |
1.22 |
| 24.2 - Being someone’s guarantor or co-signer. |
3.87 |
4.00 |
1.08 |
| 24.3 - Spending money impulsively, without thinking about the consequences. |
4.41 |
5.00 |
0.89 |
| 24.4 - Investing in a business that has a high chance of failing. |
4.13 |
4.00 |
1.06 |
| 24.5 - Lending most of your monthly salary or income to a friend or family member. |
3.83 |
4.00 |
1.14 |
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