“…Moreover, personality trait, especially conscientiousness has the impact on mental budgeting as shown in this research. Badgaiyan, Verma, and Dixit (2016) stated that the high score conscientiousness made individual to be more economical and more concerned about the spending money. But we cannot say if all the Indonesian people have the high score of conscientiousness, nevertheless, Schmitt, Allik, McCrae, and Benet-Martínez (2007) found if Indonesian people had the higher score of conscientiousness than Chinese people.…”