TABLE 2.

Correlations between overindebtedness status, money attitudes, financial management behaviors, and debt-to-income ratio (N = 152).

	Mean/proportion	SD	2	3	4	5	6
1 – Overindebtedness status (1 = overindebted)	0.64	0.48	0.47**	−0.37**	0.01	0.02	−0.36**
2 – Debt-to-income ratio	0.48	0.45		−0.17*	0.06	0.07	–0.10
3 – Money attitude	3.91	1.17			0.40**	0.36**	0.55**
4 – Record keeping	3.42	1.08				0.57**	0.63**
5 – Adjusting balance	4.06	0.90					0.55**
6 – Monitoring balance	3.47	0.97

*p < 0.05; **p < 0.001.