Group 1 - Money Management Techniques of Senior High School Working Students

GEN. T.
DE LEON NATIONAL HIGH SCHOOL

SENIOR HIGH SCHOOL DEPARTMENT
Money Management Techniques of Senior High School
Working Students
A Quantitative Research Presented to the Faculty
of Senior High School
In Partial Fulfillment of the Requirments in the
Subject Practical Research 2
Amoranto, John Michael D.
Barbin, Christian Lloyd B.
Carique, James Nykko B.
Fuentes, Alexa Mae S.
Lunday, Elaiza Marie Q.
January 2023
GEN. T. DE LEON NATIONAL HIGH SCHOOL ii
APPROVAL SHEET
This research entitled “Money Manegement Techniques of Senior High School
Working Students”, prepared and submitted by John Michael D. Amoranto,
Christian Lloyd B. Barbin, James Nykko B. Carique, Alexa Mae S. Fuentes and
Elaiza Marie Q. Lunday in partial fulfillment of the requirments for Practical
Research 2 of Senior High School, has been examined and recommended for final
examination for the first semester.
Dr. Jaime Boy A. Alegre

MAED-MATH, MAED-EM
Research Adviser
GEN. T. DE LEON NATIONAL HIGH SCHOOL
PANEL EXAMINERS
Approved by the Committee on Final Defense with a grade of ______ on
February 2023.
_________________ _________________ _________________

Darryl G. Bayona Analyn DG. Fabian Shirbenly Y. Garcia
Teacher III Master Teacher 1 Master Teacher 1
Accepted and approved in partial fulfillment of the requirments for the Practical
Research 2 of Senior High School Department.
__________________________ __________________________
Ramona A. Villanueva, Ed. D Cesar C. Villareal, Ed. D.
SHS Focal Person Principal IV
GEN. T. DE LEON NATIONAL HIGH SCHOOL iii
ABSTRACT
This study entitled “Money Management Techniques of Senior High School
Working Students”. We found out the different money management techniques that
working students used to manage their salary, and we asked considerable questions
that will guide us in understanding how working students used those money
management techniques to become manage their salary. The researchers distributed
the survey questionnaire to the 50 senior high school working students around
Valenzuela City. The study applied a correlational study as its research design to find
out the relationship between the demographic profile of working students and money
management techniques that they’re using. The survey questionnaire will be the main
data instrument for the study. The first part of the questionnaire talks about the
demographic profile of the respondents. The second part of the questionnaire talks
about how using the different money management techniques assist working students
to manage their salary. The statistical tools we used were percentage frequency
distribution and T- test. In computing, analyzing, summarizing, and interpreting data,
the study composed 50 respondents from General Tiburcio De Leon National High
School, Our Lady of Lourdes College, St. Bernadette College of Valenzuela and
Electron College of Technical Education. The researchers' findings show that in
some schools, there is no significant relationship between the demographic profiles
of the working students and the money management techniques they’re using, so the
null hypothesis is accepted.

Keywords: Money Management Techniques
GEN. T. DE LEON NATIONAL HIGH SCHOOL iv
ACKNOWLEDGEMENT
The researchers would like to express their heartfelt gratitude and thanks to the
following:
God almighty, the one who gave us knowledge, strength, and guide us to finish our
study.
To Dr. Jaime Boy Alegre, Practical Research adviser, for helping us conduct this
study, it was a great privilege and honor to work and study under his guidance.
To Dr. Ramona A. Villanueva, for helping us conduct this study.
Jackielyn Cura, as our grammarian and checking our research questionnaire.
To the Panelist, for helping and giving us opportunity to present our study.
To our respondents who provided the necessary information with great generosity,
which helped to accomplish the study's goal.
The researchers are extending their sincere gratitude to everyone who contributed to
the preparation of this research study.

TABLE OF CONTENTS
Title Page…………………………………………………..………………………....i
Approval Sheet.…………………………………………………..………………… ii
Abstract……………………………………………………………………………..iii
Acknowledgement………………………………………………….….……………iv
List of Tables………………………………………………………….……………..v
List of Figure.…………………………………………………………....………….vi
Chapter
I. The Problem and Its Background………………………………………………..1
Introduction...…………………………………………………………..…………..…1
Background of the Study.…………………………………………………………….3
Statement of the Problem.…………….……………………………………………....5
Hypothesis...………………………………………………………………….……. ...6
Scope and Delimitation....……………………………………………………….…....6
Significance of the Study.......…………………………………………………….......6
II. Review of Related Literature……………………………………………………7
Theoretical Framework……………………………………………………………...14
Conceptual Framework………………………………………………………..…….15
Synthesis of Related Literature...……………………………………………….…...16
Definition of Terms.......………………………………………………………….….17
III. Research Design and Methodology…………………………………………...18
Research Design…………………………………………………….…………….....18
Respondents of the Study…………………………………………….…………..….19
Research Instrument………………………………………………….…………..….20
Data Gathering Procedure…………………………………………….…………..…20
Statistical Analysis…………………………………………………….………..…...21
Percentage Frequency Distribution…………………………………….……………21
T - Test……………………………………………………………….……………...21
IV. Presentation, Analysis, and Interpretation of Data………………...………..23
V. Summary of Findings, Conclusions, and Recommendations………………...41
Summary of Findings………………………………………………………..………41
Conclusions…………………………………………………………………..……...44
Recommendation…………………………………………………………….……...45
Bibliography/References…………………………………………………..………...46
Appendices………………………………………………………………..…………49
Appendix A……………………………………………………………….…………50
Appendix B……………………………………………………………….…………51
Appendix C……………………………………………………………….…………52
Curriculum Vitae………………………………………………………….………...53
GEN. T. DE LEON NATIONAL HIGH SCHOOL v
LIST OF TABLES
Table 1: Age of the Senior High School Working Students………………………...24
Table 2: Gender Distribution of the Senior High School Working Students……….25
Table 3: School Distribution of the Senior High School Working Students………..26
Table 4: Strand Distribution of the Senior High School Working Students…...……27
Table 5: Occupation Distribution of the Senior High School Working Students…...28
Table 6: Salary of the Senior High School Working Students……………………...30
Table 7: Money Management Technique Distribution of Senior High School..……31
Table 8: Relationship Between the Demographic Profile of Working Students in
Terms of Their School and Their Money Management Technique…………………32
Table 9: Relationship of Demographic Profile of Working Students in General
Tiburcio De Leon National High School Between their Money Management
Technique……………………………………………………………………………33
Table 10: Relationship of Demographic Profile of Working Students in Our Lady of
Lourdes College Between their Money Management Technique…………………...35
Table 11: Relationship of Demographic Profile of Working Students in St.
Bernadette College of Valenzuela Between their Money Management
Technique.…………………………………………………………………………...37
Table 12: Relationship of Demographic Profile of Working Students in Electron
College of Technical Education Between their Money Management
Technique……………………………………………………………………………39
GEN. T. DE LEON NATIONAL HIGH SCHOOL vi
LIST OF FIGURES
Paradigm of the Study.................................................................…............................15

GEN. T. DE LEON NATIONAL HIGH SCHOOL Page | 1
CHAPTER 1
THE PROBLEM AND ITS BACKGROUND
This chapter gives emphasis on Introduction, Background of the Study,
Statement of the Problem, Hypothesis, Scope and Delimitation and Significance of
the Study.
Introduction
As students, we have a lot of expenses, including school projects, allowances,
food, etc. Some of us don't know how to manage money properly, which leads to
overspending. It's really hard to manage, especially if we don't have enough money.
so that we need to think critically about how to spend our money wisely. We also
need to know how to separate our needs from our wants and prioritize important
things before spending our remaining money on other things. Nowadays, goods and
essentials are expensive, so we need to be frugal at all costs. Know how much you
spend in a day and keep the remaining as savings or in case you need to buy
important things immediately.
There are a lot of ways to manage our money, and adapting one of them will
help us budget. If we know proper money management, it will be easy for us to make
decisions on how to spend and track where our money goes. No more overspending,
shortages, or being in debt because of good money management. We can also

prepare for future financial decisions, including investing and saving. Once we have
knowledge about the right money management, it will lead us to be better people in
the future. To make decisions that will improve your financial situation, you can use
money management to have a better understanding of your income and spending.
A life skill that assists in the development of one's own salary is managing. You
can manage your money wisely if you start using money management techniques
early on. All students who are employed know how to utilize and manage their
salaries appropriately using various money management techniques. However,
working students employ these techniques in their salary management differently;
some people are more skilled and prudent in their money management than others.
This study aims to determine whether a person's demographic profile has an
effect on the money management techniques utilized by working students to manage
their salary. This study explores various money management techniques that could
teach students how to effectively manage their salary.

Background of the Study
Making smart financial decisions and managing cash well is not only a good
habit to learn but it also contributes to future financial success. Since students are
considered as the backbone of any country, to equip themselves both physically and
mentally is essential for the strong foundation of a great nation tomorrow. Practicing
good money management skills among students is good for their bright future and
thereby for the society and nation itself. ( Manju, 2016 )
One of the beneficial habits we should adopt for ourselves is knowing about and
adopting various money management techniques to help us make wise financial
decisions and manage our money before we spend too much. This helps us remain
financially stable in the future. Every young person should be taught different money
management techniques and how to use them to manage their money appropriately.
Managing one's money is a big help for one's future, especially since they can also
help their city and country. Young people, students, and especially working students
are considered to be the backbone of any country.
Allowance is money earned or given to a child at regular intervals to teach the
child how to manage money. As they go towards higher level of education,
particularly in senior high school, every student encounters one of the challenging
part of their life is to manage their allowances wisely. As money serves now as a
necessity to every student, it is a need to put in their minds that they need to be
financially responsible. A kind of responsibility where an individual will be able to

save and budget his or her money and spend the money for important purposes.But
the big dilemma is that how will they do it. It is believed that one of the hardest part
of budgeting the allowance of a senior high student is the isolation of their wants
from their needs. ( Bonggaoen et al., 2019 )
The allowance is the money earned by working students and is one of the
instruments to teach them how to properly handle and manage the money they have.
It is the money that each student has that they commit to using for their school's costs.
It gets harder for working students to handle their money or salary intelligently as
they get older and their education progresses; it is now their obligation to use and
manage their money appropriately for their expenses, such as their necessities and
wants.
Statement of the Problem
The purpose of this study was to identify the money management techniques
used by the working students in order to manage their salary. The study seek to
answer the following question:
1. What is the demographic profile of the respondents in terms of:
1.1. Age
1.2. Gender
1.3. School
1.4. Strand
1.5. Occupation
1.6. Salary
2. What are the money management techniques of the working students?
1.1. 50/30/20 Rule,
1.2. 50/50 Rule,
1.3. Envelope System Rule, and
1.4. Listing Budget Rule
3. Is there a significant relationship between the profile of the respondents and the
money management techniques?

Hypothesis: (This hypothesis has a 0.05 significant level of accuracy..)
There is no significant relationship between the profile of the respondents and
the money management techniques?
Scope and Delimitation:
This study entitled “Money Management Techniques of Senior High School
Working Students” focuses on the money management techniques of working
students and its relationship to the demographic profile of the respondents. The
research study covers 50 working students around the Barangay of General Tiburcio
de Leon, Valenzuela City for the 1st semester of the academic year 2022-2023. The
respondents of this study were selected through purposive sampling.
Significance of the Study
The study's findings would be extremely beneficial to the following:
Students - This research will be beneficial to students especially to the working
students to gain ideas or information about the different types of money management
techniques to help them manage their salary.
Researchers - This research will be useful to future researchers who would conduct
research especially if their research is connected or similar to this type of study, they
can gain ideas or information from the researchers' findings.

CHAPTER 2
REVIEW OF RELATED LITERATURE
This chapter gives emphasis on Related Literature, Conceptual Framework,
Theoretical Framework, Synthesis of Related Literature and Definition of Terms.
Related Literature
According to Chen (2022), Money management refers to the processes of
budgeting, saving, investing, spending, or otherwise overseeing the capital usage of
an individual or group. Money management broadly refers to the processes utilized
to record and administer an individual's, household's, or organization's finances.
Budgeting, saving, and spending are parts of money management. This process
can help working students in handling their monthly income wisely. Their is one
consistent rule in money management that working students must remember, it is
expenses should never exceed income.
It is a natural human tendency to spend money to fulfil the cravings regardless of
whether they can be justifiably included in a budget. The idea of money management
techniques was developed to reduce the amount that individuals, firms, and
institutions spend on items that do not add any significant value to their standard of
living, long-term portfolios, and assets. (Clear Tax, 2023)

It says that working students spend money just for their satisfaction without
thinking that it’s not included in the budget. Just like what they always do, if they see
something and they do like it is very easy for them to decide to buy. So to minimize
that they now have a knowledge about money management, to control expenses and
list down their wish list. In this way, they can minimize their spending habit.
According to Hands on Banking (2023) a non-commercial financial education
program. Money management is one of the most important parts of your financial
life. Knowing how to how to budget, spend and save can help you reach your
financial goals, get out of debt, and build your savings. In this resource, you will
learn how to manage your money and find tips to help you get to where you want to
be financially.
In order to achieve financial goals, working students must have the ability on
how to manage their money. Having this ability will help them to control their
spending and build their savings. Working students will be knowledgeable enough in
handling their income when it arrives.
According to Wayland (2023), Early instruction in the principles of financial
management is crucial. Although it's wise to learn financial skills from a young age,
the best time to teach children about money management is before they enter high
school. Teaching children about finance and money management will help them to
save and spend sensibly in later life. This is the age when many children start to
handle their own money, and it's also typically when kids start working part-time.
It is better to teach children how to spend money wisely when they are young so
that they will know how to save when they get older. Most young people today spend
more money without considering how important it is if they have stuff to buy
especially when they are studying or in an emergency, they won't have any issues.
In the recent years, there has been a high interest in researches showing who
between women and men manage personal finances better (Kroska, A. 2008). There
are stereotypes (Bartkus, K.R., Peterson M.F. and Bellenger, D.N. 1989) based on
the unavoidable fact that women spend more in family, while men care about long
term investments. According to personal finance experts, women tend to be more
oriented to put details on their money. On the other hand, men tend to be reserved
about spending money in small things but they are obsessed with bigger finance
views such as a car, a house, a land or stocks. (Doda, 2014)
Women are more expensive than men, especially when it comes to cosmetics,
travel or buying personal items than men. Women know more about money
management than men, even if they have a lot to buy, they can fit the money they
have for everything they need to buy. Men also sometimes spend, but they spend on
things they don't really need, as long as they want or have wanted for a long time.
They both know how to manage money but the women are better. There are times
when men are better at managing, but usually women take the lead. Men don't just
spend because they have certain things they want to save up for or they really set
aside money while for women, they buy what they want or need as long as it fits the
money they have.
Money management is the process of organizing and investing your own or
other else’s money (Galulu, 2017). Money management includes in the areas of
investment; budgeting, banking and taxes. Hence, it is a good strategy for a student
on how to manage and spend the allowance wisely. Cited by Widener, students who
possess basic knowledge skill of money management have the adequate of financial
knowledge (Ibrahim et al., 2009). According to a research of Westwood College in
U.S., allowance is amount of something available or need that uses for certain
purpose. The words that usually associated with the students and school expenses.
Students may encounter difficulties in terms of budget their allowance, especially
when they have to take responsibility into account expenses that they have never
been paid before (Butler, 2017). Senior High School students are facing difficulties
in terms of budget their given weekly allowance because of the expenses that they
need to pay. (Timpug et al., 2017)
Money management can help especially students or people who are not familiar
with how to manage money properly. To the person always bought without thinking
carefully if they have anything left or where their money goes. This will help you
know where your money is going and how to handle it properly. Money or allowance
is easy to use up or lose especially if you don't know how to manage it properly so
we should know what is the right money management. Through this, we can become
financially stable, or save so that in case there is something more important that
needs to be done right away, it can be easily obtained because you have money set
aside from your proper use of money.
According to Brighter Life Team (2022), When it comes to being financially
prepared, students can actually already lay out the path to a bright future. Future
planning is important,especially for students.It doesn't begin merely after
graduation.To be able to navigate the future with ease, one must obtain a head start
as soon as feasible. One would not be taken off guard if they were able to plan for the
unexpected because life's surprises occur in many different forms.
Planning and managing money are extremely important for every working
student's bright and decent future. While it is best for students to begin and learn
financial preparedness early on by utilizing various money management techniques,
which can be used by anyone to manage their salaries, it is better for working
students to become aware of and learn how to manage their salaries properly sooner
so that in the future they will know and manage their salary properly.
According to a Publishing Website Business World (2021), The impact of the
coronavirus pandemic on incomes and livelihood has caused millennial and
Generation Z (Gen Z) Filipinos to be more aware of their financial health and save
up for future needs, a separate survey conducted by Manufacturers Life Insurance Co.
(Phils), Inc. (Manulife Philippines). Manulife Philippines Chief Marketing Officer
Melissa Henson said in a press briefing that their latest survey showed young
Filipinos became more conscious of their financial standing when the pandemic hit,
causing them to put savings among their top priorities in life. Gen Z Filipinos started
saving at the age of 17 and began investing as early as 21, she said, while millennials
started saving at the age of 23 while their investments began at age 27. The survey
also found 92% of Gen Z respondents are considering to buy insurance over the next
one to two years.
Many young Filipinos have become conscious of their money or salary that they
receive so they learn on how to manage their money properly using various money
management techniques. When the pandemic hit the country, this was one of the
reasons why the young generation today, especially the working students, were made
aware of their finances and salary to learn to manage properly and save money for
future needs.
Weston and Brigham (1981) stated financial management behavior as an area of
financial decision-making, harmonizing individual motives and enterprise goals.
According to Joe (2008) consequently, financial management is mainly concerned
with the effective fund’s management. In line with this, effective financial
management behavior should improve financial well-being positively and failure to
manage personal finances can lead to serious long term, negative social and societal
consequences. Researchers indicated that well informed, financially educated
consumers are better able to make good decisions for their families and thus are in a
position to increase their economic security and well-being. (Boral et al., 2020)
The correct and effective use of a person in money management techniques is
certain and undoubtedly helps and changes a person's financial well-being because
the salary will be more organized and will spent it correctly. Money management
technique is a big thing that can help in managing the money or salary of a working
student. According to a study, a person's decision-making and financial planning for
their family will get better and better if they understand and can employ money
management approaches.
According to Lalosa, A. (2020), Nowadays, women are less prepared to make
important decisions like saving for retirement, purchasing a home, or thriving after a
failed marriage because they frequently have interrupted employment histories, earn
less than men during their working years, have longer life expectancies, and have
lower confidence in their financial knowledge than men. It's challenging to manage
one's own finances or be an equal partner in a relationship without access to
fundamental facts.
There are jobs today that women can earn to supplement their expenses,
especially if they have children, families to support, or for their education. But this is
only enough for everyday, or necessities, so they cannot save or set aside for the
future, buying a house or for emergency purposes. Women are thrifty and know how
to manage what they need and spend, men are not very expensive especially with
their bodies care so they can save or save for what they want, although they spend for
what they need but not like women who spend a lot.
Theoretical Framework
According to the theory of Galperti (2019), it states that consumers often use
personal budgets to manage self-control problems. Many studies argue that personal
budgeting is a pervasive part of consumer behavior. This practice involves grouping
expenses into categories and constraining each with an implicit or explicit cap
applied to a specified time period (a week, a month, etc.). this practice cannot be
explained by the classic life-cycle theory of the consumer, it has important
consequences. It can account for “mysterious” large differences in wealth
accumulation between consumers that time or risk preferences cannot explain.
We have several options for managing our finances or creating budgets.As
students, we should be able to budget properly rather than only making random
purchases,We must have a thorough understanding of how to manage money and its
significance,Because not everyone has the aptitude to acquire it,being financial
literate is extremely difficult. For people with a lot of expenses,budgeting can be
difficult,so it's critical that they understand good spending practices to prevent
stress,financial hardship, and debt. It's crucial to be aware of how you spend, save,
and budget your money.Their financial objectives will be met with the aid of sound
money management.
Conceptual Framework
Money Management Techniques
50 - 30 - 20 Rule 50 - 50 Rule Envelope System Rule Listing Budget Rule
Demographic Profile of Senior High School

Working Students
2.1. Age 2.4. Strand
2.2. Gender 2.5. Occupation
2.3. School 2.6. Salary
Figure 1. Research Paradigm
The first rectangle on top represents the dependent variable of this study which
is the money management techniques, and underneath it are the four rectangles that
represent the four types of money management techniques that senior high school
working students used to manage their salary. The rectangle on the bottom represents
the independent variable of this study which is the demographic profile of senior
high school working students. The arrows indicate that there is a significant
relationship between money management techniques and the demographic profile of
senior high school working students. That means the four types of money
management techniques has a relationship on the demographic profiles of senior high
school working students.

Synthesis of Related Literature
According to Chen (2022), Money management refers to the processes of
budgeting, saving, investing, spending, or otherwise overseeing the capital usage of
an individual or group. Money management broadly refers to the processes utilized
to record and administer an individual's, household's, or organization's finances. It
says that working students spend money just for their satisfaction without thinking
that it’s not included in the budget. Just like what they always do, if they see
something and they do like it is very easy for them to decide to buy. So to minimize
that they now have a knowledge about money management they used this techniques
to control their expenses and list down their wish list. In this way, they can minimize
their spending habit.
In the study, the articles used in this research shows that the correct and effective
use of a person in money management techniques is certain and undoubtedly helps
and changes a person's financial well-being because the salary will be more
organized and will spent it correctly. Money management technique is a big thing
that can help in managing the money or salary of a working student. According to a
study, a person's decision-making and financial planning for their family will get
better and better if they understand and can employ money management approaches.
Definition of Terms
The following are defined operationally.
Expenditures - the entire amount of the money spent by a working students.
Financial Knowledge - is the deep understanding of a working student to the
financial concepts, terminologies, and proper usage of the different money
management techniques.
Financial Skills - refers to the independent financial knowledge that working
students perform for themselves. Making use of information through skills such as
employing money management techniques to manage their salary.
Money Management Techniques - describes to a technique or steps on how a
working students manages their salary through different money management
techniques.
CHAPTER 3
RESEARCH DESIGN AND METHODOLOGY
This chapter gives emphasis on Research Design, Respondents of the Study,
Research Instruments, Data Gathering Procedure and Statistical Analysis.
Research Design
The researchers used descriptive research design specifically the correlational
approach to find out the relationship between the money management techniques and
the demographic profile of senior high school working students of General Tiburcio
De Leon National High School, Our Lady of Lourdes College, St. Bernadette
College of Valenzuela and Electron College of Technical Education.
According to Bhandari (2022), with a correlational research design, correlations
between variables are examined without any of the variables being under the
researcher's direct control or manipulation. A correlation shows how strongly and/or
in what direction two (or more) variables are related. A correlation's direction may be
positive or negative.
Respondents of the Study
Respondents 1 % 2 % 3 % 4 % Total %
Grade 11 9 30% 0 0% 0 0 1 20% 10 20%
Grade 12 21 70% 10 100% 5 100% 4 80% 40 80%
Total 30 100% 10 100% 5 100% 5 100% 50 100%
Table 1 Respondents of the Study
Where in:
1 = General Tiburcio De Leon National High School
2 = Our Lady of Lourdes College
3 = St. Bernadette College of Valenzuela
4 = Electron College of Technical Education
The researchers chooses the senior high school students in General Tiburcio De
Leon National High School, Our Lady of Lourdes College, St. Bernadette College of
Valenzuela and Electron College of Technical Education as a respondents of the
study but it must be working student at a current time which has a total of 50
respondents both Grade 11 and 12. The researcher come up with the number of
respondents by the use of purposive sampling.

Research Instrument
The structured questionnaire was the instrument used by the researchers in
collecting data from the respondents of the study. The questionnaire was composed
of 2 parts. The first part of the questionnaire talks about the demographic profile of
the respondents. The second part of the questionnaire talks about how using the
different money management techniques assist working students to manage their
salary.
In order to achieve the objective of the study and before the researcher ask their
respondents, the questionnaire that was made was checked and validated by a master
teacher on Gen. T. De Leon National High School.
Data Gathering Procedure
To conduct this study “Money Management Techniques of Senior High School
Working Students”, the researchers used structured questionnaire to gather the data.
The researchers provided 20 questions through a survey questionnaire and google
form, and every respondents of the study was asked by the researchers and ask for
permission of them to answer the questionnaire that the researchers prepared.

Statistical Analysis
The following statistical tool will be used to know the findings of the study in an
accurate and systematic presentation:
Percentage Frequency Distribution
This statistical tool used to know the demographic profile of the respondents.
�
Formula: % = ( � ) � 100
Where in:
% = percentage N = total number of respondents
n = frequency 100 = constant value
T - Test
This statistical tool is used to answer the statement of the problem number 3 in
order to determine if there is a significant relationship betweeb the profile of the
respondents and the money management techniques.
�−�
Formula: t = �/√�
Where in:
t = student’s t-test m = mean
μ = theoretical value s = standard deviation
n = variable set size
The statistics was done using Microsoft Excel.

GEN. T. DE LEON NATIONAL HIGH SCHOOL Page| |23
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CHAPTER 4
PRESENTATION, ANALYSIS AND INTERPRETATION OF THE DATA
This chapter presents the findings of the study together with the interpretation of
the data for the purpose of answering specific questions situated in the statement of
the problem about the relationship of money management techniques of senior high
school working students.
Data obtained from the questionnaire on what is the profile of the respondents,
what are the money management techniques of the working students and if there is a
significant relationship between the profile of the respondents and the money
The data were organized in tabular form and the problems was treated and
discussed in the way that presented in the statement of the problem for the direct
reference, appropriate analysis and interpretation.

Page
Table 1
Age of the Senior High School Working Students
Ages Frequency Percentage
16 - 17 8 16%
18 - 19 34 68%
20 - 21 5 10%
22 - 23 3 6%
TOTAL 50 100%
Note. Table 1 shows the age distribution of the respondents. There are a total of
50 working students as respondents to the study. There are 8 respondents whose age
ranges from 16 to 17, with an equivalent percentage of 16%; 34 respondents whose
age ranges from 18 to 19, with an equivalent percentage of 68%; 5 respondents
whose age ranges from 20 to 21, with an equivalent percentage of 10% and 3
respondents whose ages range from 22 to 23, with an equivalent percentage of 6%.
All in all, the total is 100%. This shows that most of the respondents who are
working students range in age from 18 to 19.

Page
Table 2
Gender Distribution of the Senior High School Working Students
Gender Frequency Percentage
Male 35 70%
Female 15 30%
TOTAL 50 100%
Note. Table 2 shows the gender distribution of the respondents. It shows that 35
of the respondents are male, which is equivalent to 70%, while 15 of the respondents
are female, which is equivalent to 30%. In total, there are 50 respondents with an
equivalent of 100%. The data shows that most of the respondents are male.
Page
Table 3
School Distribution of the Senior High School Working Students
School Frequency Percentage
General Tiburcio De Leon National High School 30 60%
Our Lady of Lourdes College 10 20%
St. Bernadette College of Valenzuela 5 10%
Electron College of Technical Education 5 10%
TOTAL 50 100%
Note. Table 3 shows the school distribution of the respondents. It shows that 30
of the respondents came from General Tiburcio De Leon National High School with
an equivalent percentage of 60%; 10 respondents came from Our Lady of Lourdes
College with an equivalent percentage of 20%; 5 respondents came from St.
Bernadette College of Valenzuela with an equivalent percentage of 10%; and 5
respondents came from Electron College of Technical Education with an equivalent
percentage of 10%. This shows that most of the respondents came from General
Tiburcio De Leon National High School.

Page
Table 4
Strand Distribution of the Senior High School Working Students
Strand Frequency Percentage
HUMMS 17 34%
GAS 13 26%
TVL 12 24%
STEM 8 16%
TOTAL 50 100%
Note. Table 4 shows the strand distribution of the respondents. It shows that 17
of the respondents are in the HUMMS strand with an equivalent percentage of 34%;
13 of the respondents are in the GAS strand with an equivalent percentage of 26%;
12 respondents are in the TVL strand with an equivalent percentage of 24%; and 8
respondents are in the STEM strand with an equivalent percentage of 16%. This
shows that most of the respondents are in the HUMMS strand.

Page
Table 5
T
Occupation Distribution of the Senior High School Working Students
OCCUPATION FREQUENCY PERCENTAGE

Freight Loader 5 10%
Online Seller 3 6%
Helper 3 6%
Fastfood Crew 3 6%
Packaging 2 4%
Tutor 2 4%
Conductor 2 4%
Catering 2 4%
Freelancing 2 4%
Saleslady 2 4%
Printing Staff 2 4%
Cashier 2 4%
Delivery Rider 2 4%
Parcel Delivery 2 4%
Shop Keeper 2 4%
Computer Shop 1 2%
Seller 1 2%
BPO Agent 1 2%
Dicer in Grocery Store 1 2%
House Keeper 1 2%
Admin Assistant 1 2%
Jeepney Driver 1 2%
Factory Worker 1 2%
Vendor 1 2%
Salon 1 2%
Repairing Bicycle 1 2%
Businessman 1 2%
Panda Express 1 2%
Call Center 1 2%
TOTAL 50 100%
Page
Note. Table 5 shows the occupation distribution of the respondents. There are 5
respondents who are Freight Loaders with a percentage of 10%; 1 or 6% of the
respondents who are Online Seller, Helper, Fast Food Crew; 2 or 4% of the
respondents who are Packaging, Tutor, Conductor, Catering, Freelancing, Saleslady,
Printing Staff, Cashier, Delivery Rider, Parcel Delivery, Shop Keeper; and 1 or 2%
of the respondents who are Computr Shop, Seller, BPO Agent, Dicer in Grocery
Store, House Keeper, Admin Assistant, Jeepney Driver, Factory Worker, Vendor,
Salon, Repairing Bicycle, Businessman, Panda Express, Call Center. The data shows
that most of the respondents are Freight Loaders.

Page
Table 6
Salary of the Senior High School Working Students
Salary Frequency Percentage
₱ 1,000 – ₱ 10,000 39 78%
₱ 11,000 – ₱ 20,000 8 16%
₱ 21,000 – ₱ 30,000 2 4%
₱ 31,000 – ₱ 40,000 1 2%
TOTAL 50 100%
Note. Table 6 shows the salaries of the respondents. It shows that 39, or 78% of
the respondents, have a salary that ranges from 1,000 to 10,000; 8 or 16% of the
respondents have a salary that ranges from 11,000 to 20,000; 2 or 4% of the
respondents have a salary range from 21,000 to 30,000; and 1 or 2% of the
respondents have a salary ranges from 31,000 to 40,000. The data shows that most of
the respondents have salaries ranging from 1,000 to 10,000.

Page
Table 7
Money Management Technique Distribution of Senior High School Working
Students
Budgetary Practices Frequency Percentage
50/30/20 Rule 22 44%
50/50 Rule 14 28%
Envelope System Rule 1 2%
Listing Budget Rule 13 26%
TOTAL 50 100%
Note. Table 7 shows the money management techniques the respondents used to
manage their salary. There are 22 respondents who used the 50/30/20 Rule with an
equivalent percentage of 44%; 14 respondents used the 50/50 Rule with an
equivalent percentage of 28%; 1 respondent used Envelope System Rule with an
equivalent percentage of 2%; and 13 respondents used Listing Budget Rule with an
equivalent percentage of 26%. The data shows that most of the respondents are using
the 50/30/20 Rule as their money management technique to manage their salaries.
Page
Table 8
Relationship Between the Demographic Profile of Working Students in Terms of
Their School and Their Money Management Technique
School vs Money Management Technique
t- t
Variables Mean Variance Observation Df Decision Remarks
stat critic
School vs Money Management Technique
GTDLNHS 1 0 30 29 -5.2 2.0 Accept the

Not
null
Significant
MMT 2.2 1.5 30 hypothesis
OLLC 2 0 10 9 -0.2 2.3 Accept the

Not
null
Significant
SBCV 3 0 5 4 0.9 2.8 Accept the

Not
null
Significant
Electron 4 0 5 4 10.6 2.8 Accept the

Not
null
MMT 1.4 0.3 5 Significant
hypothesis
Note. Table 8 shows the relationship between the demographic profile of
working students in terms of their school and their money management technique.
The data above shows that the t - statistics of the school when compared to the
money management technique are -5.2, -0.2, 0.9 and 10.6. And the t - critical values
of each are 2.0, 2.3, 2.8 and 2.8. The data shows that the null hypothesis is accepted
and therefore there is no relationship between the school of working students and the
money management technique.

Page
Table 9
Relationship of Demographic Profile of Working Students in General Tiburcio
De Leon National High School Between their Money Management Technique
General Tiburcio De Leon National High School
t- t
stat critic
Age vs Money Management Technique
16 - 17 1 0 8 7 -2.0 2.4 Accept the

Not
null
Significant
18 - 19 2 0 14 13 -1.5 2.2 Accept the

Not
null
hypothesis
20 - 21 3 0 5 4 5.7 2.8 Reject the

null Significant
22 - 23 4 0 3 2 7 4.3 Reject the

null Significant
Gender vs Money Management Technique
Male 1 0 25 24 -4.8 2.1 Accept the

Not
null
hypothesis
Female 2 0 5 4 0 2.8 Accept the

Not
null
Significant
MMT 2 1.5 5 hypothesis
Page
Strand vs Money Management Technique
HUMMS 1 0 10 9 -2.9 2.3 Accept the

Not
null
hypothesis
GAS 2 0 10 9 -0.6 2.3 Accept the

Not
null
Significant
TVL 3 0 10 9 2.1 2.3 Accept the

Not
null
hypothesis
Occupation vs Money Management Technique
Occupation 12.5 70.1 30 29 7.1 2.0 Accept the

Not
null
hypothesis
Salary vs Money Management Technique
Salary 1.5 0.6 30 29 -2.6 2.0 Reject the

null Significant
working students at General Tiburcio De Leon National High School and their
money management techniques. The data above shows the t - statistics of age, gender,
strand, occupation, and salary when compared to money management techniques.
The t - statistics are -2.0, -1.5, 5.7, 7, -4.8, 0, -2.9, -0.6, 2.1, 7.1 and -2.6, respectively.
And the t - critical values of each are 2.4, 2.2, 2.8, 4.3, 2.1, 2.8, 2.3, 2.3, 2.3, 2.0 and
2.0, respectively. The variables except salary accept the null hypothesis and have no
relationship to the money management technique.

Page
Table 10
Relationship of Demographic Profile of Working Students in Our Lady of
Lourdes College Between their Money Management Technique

Our Lady of Lourdes College
t- t
stat critic
18 - 19 2 0 10 9 -0.2 2.3 Accept the

Not
null
Significant
Male 1 0 4 3 -2 3.1 Accept the

Not
null
hypothesis

Not
null
MMT 2 2.4 6 Significant
hypothesis
HUMMS 1 0 7 6 -1.9 2.4 Accept the

Not
null
Significant
MMT 2 2 7 hypothesis
GAS 4 0 3 2 1.9 4.3 Accept the

Not
null
Significant
Occupation 11.8 104.4 10 9 2.9 2.3 Reject the

null Significant
Salary 1 0 10 9 -2.5 2.3 Reject the

null Significant
Page
working students at Our Lady of Lourdes College and their money management
techniques. The data above shows the t - statistics of age, gender, strand, occupation,
and salary when compared to money management techniques. The t - statistics are -
0.2, -2, 0, -1.9, 1.9, 2.9 and -2.5, respectively. And the t - critical values of each are
2.3, 3.1, 2.6, 2.4, 4.3, 2.3, 2.3, respectively. On all the variables, only the occupation
and the salary reject the null hypothesis and have a relationship to the money
management technique.
Page
Table 11
Relationship of Demographic Profile of Working Students in St. Bernadette
College of Valenzuela Between their Money Management Technique
St. Bernadette College of Valenzuela
t- t
stat critic
18 - 19 2 0 5 4 -0.6 2.8 Accept the

Not
null
Significant
Male 1 0 3 2 -1.5 4.3 Accept the

Not
null
Significant
Female 2 0 2 1 -0.3 12.7 Accept the

Not
null
Significant
STEM 4 0 5 4 2.4 2.8 Accept the

Not
null
hypothesis

Not
null
hypothesis
Salary 1 0 5 4 -2.1 2.8 Accept the

Not
null
Significant
Page
working students at St. Bernadette College of Valenzuela and their money
management techniques. The data above shows the t - statistics of age, gender, strand,
occupation, and salary when compared to money management techniques. The t -
statistics are -0.6, -1.5, -0.3, 2.4 2.6 and -2.1, respectively. And the t - critical values
of each are 2.8, 4.3, 12.7, 2.8, 2.8 and 2.8, respectively. All the variables accept the
null hypothesis and have no relationship to money management techniques.

Page
Table 12
Relationship of Demographic Profile of Working Students in Electron College of
Technical Education Between their Money Management Technique

Electron College of Technical Education
t- t
stat critic
18 - 19 2 0 5 4 2.4 2.8 Accept the

Not
null
hypothesis
Male 1 0 3 2 -1 4.3 Accept the

Not
null
Significant

Not
null
hypothesis
GAS 2 0 3 2 2 4.3 Accept the

Not
null
Significant
TVL 0 0 2 1 3 12.7 Accept the

Not
null
Significant

Not
null
hypothesis
Salary 1 0 5 4 -1.6 2.8 Accept the

Not
null
Significant
Page
Note. Table 12 shows the relationship of demographic profile of working
students in Electron College of Technical Education between their money
management technique. The data above shows the t - statistics of age, gender, strand,
occupation, and salary when compared to money management techniques. The t -
statistics are 2.4, -1, 1, 2, 3, 2.3, -1.6, respectively. And the t - critical values of each
are 2.8, 4.3, 12.7 4.3, 12.7, 2.8 and 2.8, respectively. All the variables accept the null
hypothesis and have no relationship to money management techniques.

Page
CHAPTER 5
SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS
This chapter presents the summary of findings, conclusions and
recommendations of the study.
Summary of Findings
Below are the summary of findings of this study:
1. Table 1 represents the age range of the senior high school working students, which
ranges from 16 to 25, with a total of 50 or 100%, of which 8 or 16% of them range
from 16 to 17, 34 or 68% range from 18 to 19, 5 or 10% range from 20 to 21, and 3
or 6% range from 22 to 23.
2. Table 2 represents the gender distribution of the respondents. 35 or 70% of the
respondents were male and 15 or 30% of the respondents were female.
3. Table 3 represents the school distribution of the respondents. 30 or 60% of the
respondents came from General Tiburcio De Leon National High School, 10 or 20%
of the respondents came from Our Lady of Lourdes College, 5% of the respondents
came from St. Bernadette College of Valenzuela, and 5% of the respondents came
from Electron College of Technical Education.

Page
4. Table 4 represents the strand distribution of the respondents. 17 or 34% are in the
HUMMS strand, 13 or 26% are in the GAS strand, 12 or 24% are in the TVL strand,
and 8 or 16% are in the STEM strand.
5. Table 5 represents the occupation distribution of the working students in which 5
or 10% are Freight Loader, while 3 or 6% are Online Seller, Helper and Fastfood
Crew, 2 or 4% are Packaging Tutor. Conductor, Catering, Freelancing, Saleslady,
Printing Staff, Cashier, Delivery Rider, Parcel Delivery, Shop Keeper and there are 1
or 2% works as Online Seller. Seller, BPO Agent, Dicer in Grocery Store, House
Keeper, Admin Assistant, Jeepney Driver, Factory Worker, Vendor, Salon, Repairing
Bicycle, Businessman, Panda Express and Call Center.
6. Table 6 represents the salaries of the respondents. 39 or 78% have a salary that
ranges from 1,000 to 10,000; 8 or 16% have salary that ranges from 11,000 to 20,000;
2 or 4% have a salary that ranges from 21,000 to 30,000; and 1 or 2% have a salary
range from 31,000 to 40,000.
7. Table 7 represents the distribution of money management techniques among the
respondents. Whereas 22 or 44% used the 50/30/20 Rule, 14 or 28% used the 50/50
Rule, 1 or 2% used Envelope System Rule and 13 or 26% used the Listing Budget
Rule.
8. Table 8 represents the relationship between the demographic profile of working
students in terms of their school and their money management techniques. The t -
Page
statistics of the school when compared to the money management technique are -5.2,
-0.2, 0.9 and 10.6. And the t - critical values of each are 2.0, 2.3, 2.8 and 2.8.
9. Table 9 represents the relationship of demographic profile of working students in
General Tiburcio De Leon National High School between their money management
technique. The t - statistics are -2.0, -1.5, 5.7, 7, -4.8, 0, -2.9, -0.6, 2.1, 7.1 and -2.6,
respectively. And the t - critical values of each are 2.4, 2.2, 2.8, 4.3, 2.1, 2.8, 2.3, 2.3,
2.3, 2.0 and 2.0, respectively.
10. Table 10 represents the relationship of demographic profile of working students
in Our Lady of Lourdes College between their money management technique. The t -
statistics are - 0.2, -2, 0, -1.9, 1.9, 2.9 and -2.5, respectively. And the t - critical
values of each are 2.3, 3.1, 2.6, 2.4, 4.3, 2.3, 2.3, respectively.
in St. Bernadette College of Valenzuela between their money management technique.
techniques. The t - statistics are -0.6, -1.5, -0.3, 2.4 2.6 and -2.1, respectively. And
the t - critical values of each are 2.8, 4.3, 12.7, 2.8, 2.8 and 2.8, respectively.
in Electron College of Technical Education between their money management
technique. The t - statistics are 2.4, -1, 1, 2, 3, 2.3, -1.6, respectively. And the t -
critical values of each are 2.8, 4.3, 12.7 4.3, 12.7, 2.8 and 2.8, respectively.
Page
Conclusions
Based on the findings the following conclusions are illustrated below:
1. Table 1 shows that most of the repondents who are working students range in age
from 18 to 19.
2. Table 2 shows that most of the respondents are male.
3. Table 3 shows that most of the respondents came from General Tiburcio De Leon
National High School.
4. Table 4 shows that most of the respondents are in the HUMMS strand.
5. Table 5 shows that most of the respondents are Freight Loaders.
6. Table 6 shows that most of the respondents have salaries ranging from 1,000 to
10,000.
7. Table 7 shows that most of the respondents are using the 50/30/20 Rule as their
money management tecnhique to manage their salaries.
8. Table 8 shows that all variables accept the null hypothesis and have no
relationship to the money management techniques.
9. Table 9 shows that all the variables except salary accept the null hypothesis and
have no relationship to the money management technique.
10. Table 10 shows on all the variables, only the occupation and the salary reject the
null hypothesis and have a relationship to the money management technique.

Page
11. Table 11 shows that all the variables accept the null hypothesis and have no
relationship to money management techniques.
12. Table 12 shows that all the variables accept the null hypothesis and have no
relationship to money management techniques.
Recommendations
The researchers, recommend the following:
1. Working students should use other money management techniques to manage their
salary effectively.
2. The future researchers may investigate other popular and often used money
3. The future researchers may consider more respondents and other grade levels in
performing/conducting related study.

Page
BIBLIOGRAPHY / REFERENCES
Bonggaoen, R. et al., ( 2019 ) Allowance and Budgeting of Grade 12 Students in

Asist Main Campus. Retrieved February 8, 2023 from
https://www.scribd.com/document/419498452/A-Research-on-
theAllowance-and-Budgeting-of-Grade-12-Students-in-ASIST-Main-C#
Boral, J. M. et al., (2020) The Budgeting Skills And Academic Performance Of

Senior High School Students At The College Of St. Catherine Quezon City For
The School Year 2019-2020. Retrieved February 6, 2023 from
https://www.studocu.com/ph/document/arellanouniversity/accountancy/finalrese
arch-group-4-abm-12-b/18445731
Brighter Light Team (2022) Future Planning for Young but Wise Students. Retrieved
February 6, 2023 from https://www.sunlife.com.ph/en/life-goals/live-life-
brighter/future-planning-for-young-but-wise-students/
Business World (2021) Filipinos more concerned about their finances due to
Coronavirus Pandemic. Retrieved February 7, 2023 from
https://www.bworldonline.com/bankingfinance/2021/08/26/391512/filipinos-
more-concerned-about-their-finances-due-to-coronavirus-pandemic/
Chen, J. (2022) Money Management: Definition and Top Money Managers by

Assets. Retrieved February 2, 2023 from
https://www.investopedia.com/terms/m/moneymanagement.asp#:~t
ext=What%20Is%20Money%20Management%3F,investment%20manage
ment%20and%20portfolio%20management.
Page
Clear Tax (2023) Money Management. Retrieved February 2, 2023 from

https://cleartax.in/g/terms/money-management
Doda, S. (2014) Personal Finance Management among Gender. Retrieved

February 7, 2023 from
https://www.researchgate.net/publication/272707800_Personal_Finance_
Management_among_Gender
Hands on Banking (2023), Money Management. Retrieved February 2, 2023

from https://handsonbanking.org/resources/money-management/
Galperti, S. (2019) A Theory Of Personal Budgeting. Retrieved February 8,

2023 from
https://econtheory.org/?f=2881#:~:text=It%20shows%20that%20the%20u
se,intratemporal%20trade%2D%20offs%20between%20goods.
Lalosa, A. (2020), Gender Differences in Personal Financial Attitude among

Students in the College of Business Management and Accountancy,
Eastern Samar State University -Main Campus. Retrieved February 6,
2023 from
https://www.researchgate.net/publication/348741363_Gender_Differences
in_Personal_Financial_Attitude_among_Students_in_the_College_of_Bus
iness_Management_and_Accountancy_Eastern_Samar_State_University-
Main_Campus
Manju, R. (2016). Trends in Spending and Money Management Practices

among Students of Kerala. International Journal of Research, 39, 39-47
Retrieved February 8, 2023
Page
Timpug et al., (2017) Senior High School Students Saving and Spending
Patterns: Basis of Financial Literacy. Retrieved February 7, 2023 from
https://www.academia.edu/37279752/EditedRPForm_SHS_1
Page
APPENDICES
Page
APPENDIX A
Money Management Technique of Senior High School
Working Students
Survey Questionnaire
Name: ____________________________
Instruction: Please respond to the questions below in the manner that best express your perception.
Please answer the following questions honestly. If there are questions don't hesitate to ask the
distributors.
Part 1:
1. Age 4. Strand
 16 - 17  HUMMS
 18 - 19  GAS
 20 - 21  TVL
 22 - 23  STEM
 24 - 25
2. Gender 5. Occupation: __________________

 Male
 Female 6. Salary: ______________________
3. School
 General Tiburcio De Leon National High School
 Our Lady of Lourdes College
 St. Bernadette College of Valenzuela
 Electron College of Technical Education
Part 2: The statement below asks about what are the money management technique of senior high school
working students used. Check the answer that corresponds to your money management technique you
used. Choose one only.
 50/30/20 Rule ( 50% for needs, 30% for wants, 20% for saving or paying off debts )
 50/50 Rule ( 50% for spent, 50% for savings )
 Envelope System Rule ( assigning spending categories to individual envelopes )
 Listing Budget Rule ( doing a list of recommended personal budget categories )
Page
APPENDIX B
Page
APPENDIX C
Page
CURRICULUM VITAE
Page
Curriculum Vitae
Name: John Michael D. Amoranto
Address: BLK 1 Lot 4 Corinthian Villas
Matimyas St. Gen. T. De Leon Valenzuela City
Mobile Number: 09814695002
Email: pachecoshame2@gmail.com
Personal Background
Date of Birth : November 10, 2002
Place of Birth : Quezon City
Sex : Male
Civil Status : Single
Citizenship : Filipino
Religion : Catholic
Height : 157 cm
Weight : 67 kg
Page
Education Background
2022 – 2023 ( Present )
Senior High School : Gen T. De Leon National High School
Corner Mercado St. Gen. T. De Leon, Valenzuela City
2017 – 2021
Junior High School : Bagupaye National High School (Grade 10)
Sitio Marasigan Brgy. Bagupaye Mulanay,Quezon
Tagumpay National High School (Grade 7 – 9)
Tagumpay, San Jose, Rodriguez (Montalban), Rizal, Region IV-A.
2010 – 2015
Elementary School : Tagumpay Elementary School
Tagumpay, San Jose, Rodriguez (Montalban), Rizal, Region IV-A.
Interest / Hobbies
Cooking
Reading
Watching Movies
Playing Badminton
Page
Curriculum Vitae
Name: Christian Lloyd B. Barbin
Address: 10 D Jasmin St. Sta. Quiteria Village
Caloocan City.
Email: christianlloydbbarbin@gmail.com
Personal Background
Date of Birth : January 16, 2004
Place of Birth : Biglang-awa, Quezon City
Sex : Male
Religion : Catholic
Height : 157 cm
Weight : 59 kg
Page
2022 – 2023 ( Present )
2017 – 2021
Junior High School : Justice Eliezer Delos Santos National High School
1011 C. De Leon St. Boundary of Ugong and Gen. De Leon Valenzuela City
2012 – 2016
Elementary School : Sta. Quiteria Elementary School
Brgy. 163, Baesa Road, Sta. Quiteria, Caloocan City
Interest / Hobbies
Watching Movies / Series / Anime
Playing Badminton
Travel
Singing
Dancing
Page
Curriculum Vitae
Name: James Nykko B. Carique
Address: 2343 Santiago St. (kanan) Gen. T. De
Leon Valenzuela City
Email: cariquejamesnykkob@gmail.com
Personal Background
Date of Birth : August 10, 2005
Place of Birth : Chinese General Hospital
Sex : Male
Religion : Catholic
Height : 161 cm
Weight : 78 kg
Page
2022 – 2023 ( Present )
2017 – 2021
Junior High School: Gen. T. De Leon National High School
Corner Mercado St. Gen. T. De Leon Valenzuela City
2012 – 2016
Elementary: Gen. T. De Leon Elementary School
4014 Gen. T. de Leon, Valenzuela City
Interest / Hobbies
Reading Novels
Watching Korean Dramas
Cooking
Page
Curriculum Vitae
Name: Alexa Mae S. Fuentes
Address: 5094 Independence St. Gen. T.
De Leon Valenzuela City
Email: alexamaefuentes3@gmail.com
Personal Background
Date of Birth : August 3, 2004
Place of Birth : Tramo Canlalay, Biñan Laguna
Sex : Female
Religion : Catholic
Height : 147 cm
Weight : 38 kg
Page
2022 – 2023 ( Present )
2017 – 2021
Junior High School : Gen. T. De Leon National High School (Grade 10)
Corner Mercado St. Gen. T. De Leon Valenzuela City
Southville 5-A Integrated National High School (Grade 7-9)
Langkiwa, Biñan Laguna
2012 – 2016
Elementary School : Southville 5-A Integrated National High School Brgy. 163,
Langkiwa, Biñan Laguna
Interest / Hobbies
Calligraphy
Reading
Playing Online Games

Page
Curriculum Vitae
Name: Elaiza Marie Q. Lunday
Address: 2219 A Lamesa St. Ugong
Valenzuela City
Email: elailunday@gmail.com
Personal Background
Date of Birth : March 19, 2009
Place of Birth : Esperanza, Masbate City
Sex : Female
Religion : Catholic
Height : 161cm
Weight : 48 kg
Page
2022 – 2023 ( Present )
2012 – 2016
Junior High School : Santos E. Conag National High School
Esperanza, Masbate City
2006 – 2012
Elementary School : Putingbato Elementary School
Esperanza, Masbate City
Interest / Hobbies
Writing a poem
Drawing
Listening to music

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GEN. T.

DE LEON NATIONAL HIGH SCHOOL

Money Management Techniques of Senior High School

A Quantitative Research Presented to the Faculty

of Senior High School

In Partial Fulfillment of the Requirments in the

Subject Practical Research 2

Amoranto, John Michael D.

Barbin, Christian Lloyd B.

Carique, James Nykko B.

Fuentes, Alexa Mae S.

Lunday, Elaiza Marie Q.

This research entitled “Money Manegement Techniques of Senior High School

Working Students”, prepared and submitted by John Michael D. Amoranto,

Elaiza Marie Q. Lunday in partial fulfillment of the requirments for Practical

examination for the first semester.

Dr. Jaime Boy A. Alegre

Approved by the Committee on Final Defense with a grade of ______ on

_________________ _________________ _________________

This study entitled “Money Management Techniques of Senior High School

management techniques to become manage their salary. The researchers distributed

distribution and T- test. In computing, analyzing, summarizing, and interpreting data,

Electron College of Technical Education. The researchers' findings show that in

some schools, there is no significant relationship between the demographic profiles

null hypothesis is accepted.

To Dr. Ramona A. Villanueva, for helping us conduct this study.

Jackielyn Cura, as our grammarian and checking our research questionnaire.

which helped to accomplish the study's goal.

the preparation of this research study.

I. The Problem and Its Background………………………………………………..1

Background of the Study.…………………………………………………………….3

Statement of the Problem.…………….……………………………………………....5

Scope and Delimitation....……………………………………………………….…....6

Significance of the Study.......…………………………………………………….......6

II. Review of Related Literature……………………………………………………7

Synthesis of Related Literature...……………………………………………….…...16

III. Research Design and Methodology…………………………………………...18

Respondents of the Study…………………………………………….…………..….19

Data Gathering Procedure…………………………………………….…………..…20

Percentage Frequency Distribution…………………………………….……………21

IV. Presentation, Analysis, and Interpretation of Data………………...………..23

V. Summary of Findings, Conclusions, and Recommendations………………...41

Table 1: Age of the Senior High School Working Students………………………...24

Table 2: Gender Distribution of the Senior High School Working Students……….25

Table 3: School Distribution of the Senior High School Working Students………..26

Table 4: Strand Distribution of the Senior High School Working Students…...……27

Table 5: Occupation Distribution of the Senior High School Working Students…...28

Table 6: Salary of the Senior High School Working Students……………………...30

Table 7: Money Management Technique Distribution of Senior High School..……31

Table 8: Relationship Between the Demographic Profile of Working Students in

Terms of Their School and Their Money Management Technique…………………32

Table 9: Relationship of Demographic Profile of Working Students in General

Tiburcio De Leon National High School Between their Money Management

Table 10: Relationship of Demographic Profile of Working Students in Our Lady of

Lourdes College Between their Money Management Technique…………………...35

Table 11: Relationship of Demographic Profile of Working Students in St.

Bernadette College of Valenzuela Between their Money Management

Table 12: Relationship of Demographic Profile of Working Students in Electron

College of Technical Education Between their Money Management

Paradigm of the Study.................................................................…............................15

THE PROBLEM AND ITS BACKGROUND

This chapter gives emphasis on Introduction, Background of the Study,

Statement of the Problem, Hypothesis, Scope and Delimitation and Significance of

As students, we have a lot of expenses, including school projects, allowances,

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