1.

Most and least effective saving practice applied

The Grade 11 ABM students has various saving practices that are effective, but the most

effective saving practice is setting aside savings in advance, which increases the amount

of money saved. And additionally, they buy prepaid load rather than postpaid.

Abstract:

I. Introduction
Savings are generally positioned into the most secure locations, or merchandise,
that allow us to be able to attain our money at any time. Money is basically the
heartbeat of your lifestyle. Young people are unlikely to practice basic financial skills
such as having a regular savings plan or budgeting because of this whether in school
or not, students may encounter a tight budget which can affect their health and school
performance. This paper was set out to identify the most effective saving practice
among grade 11 Accountancy, Business, and Management Senior High School
students of Saint Mary’s University. It provides a better understanding for students
regarding effective saving practices. The findings in the study provide excellent
opportunity and guidance for students that will benefit them for their college
education and the rest of their life.

II. Methodology
The researchers used a descriptive-comparative method to identify the difference
between the saving practices when group according to different profile variables. The
researchers conducted the survey at Saint Mary’s University with 120 respondents
coming from grade 11 ABM sections A, C, D, and E who save.
The research framework

III. Result
 IV. Discussion
V. Conclusions
VI. References
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(2015). Study of Saint Mary’s University Employees’ Financial Wellness: a baseline for a
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