A.
Budgeting Student 1
[Link] friends' budgeting habits influence my own budgeting decisions. 2
2. I discuss budgeting strategies with my friends. 4
3. My friends' spending habits make it difficult for me to stick to my budget. 5
4. I am more likely to save money if my friends are also saving. 5
5. I feel pressure from my peers to spend money even if it means exceeding my budget. 2
B. Keeping up with friends
1. My friends' purchases of trendy items influence my own spending decisions. 4
2. I often buy things just to fit in with my friends' fashion choices. 1
3. I often buy things just because my friends have them. 1
4. I feel left out if I don't have the same things as my friends. 1
5. My friends' clothing choices influence what I buy. 1
C. Social Pressure
1.I feel pressure from my friends to spend money on things I don't really need. 2
2.I feel pressure from my friends to spend my money rather than save it. 1
3. My friends' attitudes toward money affect my own financial decisions. 2
4. I worry about being judged by my friends if I don't spend money like they do. 1
5. I avoid buying certain things because I'm afraid of what my friends might think. 1
[Link]- Control
1. I am able to stick to my budget and savings plan most of the time. 2
2. I find it difficult to save money because I spend it too quickly. 4
3. I am confident in my ability to manage my finances effectively. 2
4. I am good at controlling my impulses when it comes to spending money. 2
5. I often buy things to fit in with my peer group. 5
E. Impulsive Buying
1. My friends purchase influence my decision to buy things impulsively. 2
2. I tend to spend more money when I’m with my friends. 4
3. I often buy things without thinking about whether I really need them. 4
4. I often buy things to fit in with my peer group. 1
5. I often buy things to fit in with my peer group. 1
[Link] for Personal Expenses
1. I carefully plan how I allocate my personal expenses each week/month. 2
2. I prioritize saving a portion of my allowance before spending on personal expenses. 4
3. I am able to resist peer pressure when it comes to making spending decisions 4
4. I set specific saving goals for myself (e.g., new phone, clothes, etc.). 5
5. My friends' encouragement helps me stick to my saving goals. 1
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