| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | budgeting | personal finance | Valued for managing expenses and achieving financial goals | 1 |
| 2 | personal budgeting | financial culture | Regarded as essential for managing expenses and achieving financial goals | 1 |
| 3 | spending habits | finance | Budgeting and utilizing money management tools to track expenses | 1 |