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| Having a budget is important in personal finance strategy. |
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| It is important to spend time thinking about/ planning for personal finances. |
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| Maintaining financial records is an important part of personal finances. |
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| Having a credit card is a basis for a person to feel financially secure. |
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| Acquiring a credit card is necessary to establish a good credit history. |
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| Using cash and debit card are better than using a credit card. |
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| Taking out a loan is the way I would buy my next automobile. |
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| I will always carry some sort of financial debt during my lifetime. |
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| I will not be financially secure in the future. |
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| How I spend my money reflects my values. |
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