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Finally, strong attitudes towards saving were related to lower frequency of borrowing and gambling, whereas stronger hedonistic attitudes were related to lower frequency of cutting expenses and more frequent borrowing. The research results provide tools for consumer policy, consumer education, and consumer regulation.Generalized k -means can be combined with any similarity or dissimilarity measure for clustering. Using the well known likelihood ratio or F -statistic as the dissimilarity measure, a generalized k -means method is proposed