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...International journal of research and review vol issue february website www ijrrjournal com paper e issn p the effect financial attitude knowledge on personal management university students moderated by gender raras risia yogasnumurti isfenti sadalia nisrul irawati master study program postgraduate school sumatera utara corresponding author abstract positive significant strengthens both are part community involvement in usage for daily consumption budget consumptive instant lifestyle frequently makes them spend their key words money unnecessary needs increased student activities searching goods through online shops will certainly escalate use phone credit compared to those not introduction while problems holding mostly increasing desires experienced especially who people indonesia caused staying at parents this is because development human civilization that transition stage from increasingly advanced working dependency independency earning income one way fulfill it after faculty econom...