“Ipon Now, Gastos Later”: The Spending and Savings Habits of Selected Senior High School Students in Colon National High School

Registration ID: IJNRD_220541

Published ID: IJNRD2405231

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Annelyn H. Eribal, MPA, Tito B. Cagang Jr., MAED, Roxanne S. Gonzales, Karen E. Gimena, Jhanrhey L. Paigalan

Keywords: Spending habits, saving habits, senior high school students, financial education programs.

ABSTRACT This study assessed the spending and saving habits of the senior high school students of Colon National High School and described the informants’ feelings when they spent and saved their finances. The study used the combination of quantitative and qualitative types of research, whereby one hundred seventy (170) respondents and four (4) informants were selected using a purposive sampling technique. Two researcher constructed instruments were used in the study, namely: spending habits and savings habits survey questionnaire and interview guide questionnaire. Data were analyzed using Cronbach's Alpha, Frequency and Percentage Count, T-test, and One-way Analysis of Variance (ANOVA). The findings were found that most respondents were Grade 11, female, 17 years old, under the STEM strand. The average of their daily allowance is Php 51.00 and above, and their frequency of saving performance is weekly. Further, the respondents have a moderate level (x=3.01) of spending habits and a very high level (x=4.21) of saving habits. Also, there is a significant difference in the spending and saving habits of the respondents when grouped according to gender, age, strand, grade level, and daily allowance. On the other hand, the informants consistently reported their feelings of guilt and regret when they spent their finances while consistently feeling secure and accomplished when they reflected on their financial savings. Hence, it is recommended that teachers may implement financial education programs and interventions on students' spending and saving habits and conduct periodic assessments to evaluate the impact of these programs and interventions that will be used to refine and improve these programs over time.

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Annelyn H. Eribal, MPA, Tito B. Cagang Jr., MAED, Roxanne S. Gonzales, Karen E. Gimena, & Jhanrhey L. Paigalan (May-2024). “Ipon Now, Gastos Later”: The Spending and Savings Habits of Selected Senior High School Students in Colon National High School. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(5), c272-c284. https://ijnrd.org/papers/IJNRD2405231.pdf

Volume 9 Issue 5, May-2024

Pages : c272-c284

Paper Reg. ID: IJNRD_220541

Published Paper Id: IJNRD2405231

Research Area: Management

Author Type: Foreign Author

Country: General Santos City, PHILIPPINES, Philippines

Published Paper PDF: https://ijnrd.org/papers/IJNRD2405231.pdf

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