| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | budget | Germany | Budgeting is a common practice in managing personal finances and is often emphasized in education and planning. | 1 |
| 2 | budgeting | Germany | Careful budgeting includes allocating funds for regular investment and long-term financial planning. | 1 |
| 3 | government spending | Germany | Government spending is often associated with efficient public services and infrastructure investments, contributing to a high standard of living. | 1 |
| 4 | personal budgeting | Germany | Viewed as essential for disciplined financial management and saving | 1 |