Ours Is The Only Meditation For Financial Health & Quality of Life

12. Paying my bills on time *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Timely PaymentAlways Ready Before / On Time To Pay Bills

13. Making a plan to pay off my debt as early as possible *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Making Workable PlanAlways Planning Effectively To Clear Debts in Advance

14. Reduce my use of credit by making good spending decisions *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Making Workable DecisionsAlways Decision Making Effectively To use least credit

15. Finding resources to help me solve a difficult financial problem *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Finding ResourcesQuickly Finding Useful Resources for All My Financial Situations

16. Recognizing and avoiding a Errors in finance handling *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Recognizing and Avoiding ErrorsTotally Prevented All Sources of Financial Errors

17. Protect myself from penalties. *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Recognizing and Avoiding PenaltiesTotally Prevented All Sources of Financial Penalties

18. Find resources that help me due to my identity *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Recognizing and Utilizing Helpful Income Sources Due To my IdentityQuickly Recognizing All Sources of Income, Help Due To my Identity

19. More positive attitude toward saving *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Attitude towards savingEntirely Different and Adaptive attitude toward saving

20. My positive attitudes come to effect *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Attitude towards saving brought to effectEntirely Different and Adaptive attitude toward saving brought to effect

21. Control over avoidable expenses *Worsened Than EarlierSame As AlwaysImproved Than Earlier in Control over avoidable expensesEntirely Different and Adaptive control over avoidable expenses

22. Anxiety when thinking / talking about my expense *Worsened Than EarlierSame As AlwaysImproved Than Earlier in being relaxed when thinking / talking about my expensesDeeper relaxed mood when thinking / talking about my expenses

23. Energetic about working towards income *Worsened Than EarlierSame As AlwaysImproved Than Earlier in being energetic when working towards incomeExcessively energetic when working towards income

Lown's Financial Self-Efficacy Scale - Financial Self Efficacy - Out of 12

Lown's Financial Self-Efficacy Scale - General Self Efficacy - Out of 8

Nguyen's Financial Self-Efficacy Scale - Cash & Credit Management - Out of 8

Nguyen's Financial Self-Efficacy Scale - Error & Identity Management - Out of 8

Nguyen's Financial Self-Efficacy Scale - Expense & Income Management - Out of 10