Table 3 Outer loading

Financial attitude

FA1

Financial planning is important to me

Valid

FA2

Having a financial plan helps me to make decisions about financial investments

Valid

FA3

I am aware of the importance of financial investment

Valid

FA4

Thinking about where I will be financially in the next 5 or 10 years is very important to ensure the financial condition

Valid

FA5

If I have money, I prefer financial investment to ensure a life in the future compared to spending it

Valid

FA6

I need to prioritize primary needs

Valid

FA7

I need to plan for the negative possibilities of my income (for example loss of income during the Covid-19 pandemic

Valid

FA8

One of the benefits of financial planning is to prevent debt bondage

Valid

Financial management

FM1

I always pay bills before the due date

Valid

FM2

I always read the detail of my bills to compare monthly usage or rate changes

Valid

FM3

I keep tract of monthly expenses

Valid

FM4

I usually budget monthly expenses

Valid

FM5

I have some money saved for emergencies

Valid

FM6

I allocate part of my income to financial investment

Valid

Financial satisfaction

FS2

I am satisfied because the amount of my income receive can meet my needs

Valid

FS3

I am satisfied because the amount of saving I currently have can meet my need

Valid

FS4

I am satisfied because I can Pay my bills on time

Valid

FS5

I am satisfied because I can manage my current income and expenditure budget

Valid

FS6

I am satisfied because I can buy the things I want

Valid

FS7

I am satisfied that I have a long-term financial investment

Valid

FS8

If I had a loss of income, I could manage for a period of time (e.g., for 3 months)

Valid

FS1

I am satisfied with my current financial situation

Valid