1. The Planners: These group control their financial affairs. They prepare budget to save, they are good managers.
2. The Strugglers: These have trouble keeping their heads above rough financial waters. They find it difficult to budget to save.
3. The Deniers: They refuse to see that they are in financial trouble. So they don't see the need to budget and save.
4. The Impulsives: They seek immediate gratification. They spend today and let tomorrow take care of itself. They couldn't care less about budgeting to save.
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