The aim of this research is to obtain our knowledge about the impact of money attitude and conscientiousness toward mental budgeting and to understand the different perspective between Indonesia and China. The result was found that Indonesian people had the dimension of retention-time in money attitude and high conscientiousness while Chinese people had a positive impact on the dimension of power-spending, distrust, and conscientiousness. These results are examined in the purpose for all the parents to take good care of their children before they fall to the materialistic attitude, especially in the millennium era when the number of people who use e-money are raising.

Key words: mental budgeting, money attitude, conscientiousness, Indonesia, China