“…Eleven factors: affective credit attitude, behavioural credit attitude, cognitive credit attitude, obsession money attitude, retention money attitude, gender, having taken a course in personal finance, borrowing from friends or relatives, preparing a list when shopping, age, and use of money as a reward in family of origin were found to be significant. Lim and Teo (1997) adapted MASs developed by Furnham (1984), Tang (1992) and Yamauchi and Templer (1982) to study money attitudes of Singaporean consumers. The results identified eight factors explaining money attitude: obsession, power, budget, evaluation, achievement, anxiety, retention, and non-generous.…”