A PHENOMENOLOGICAL APPROACH INTO THE EXPERIENCES OF

YOUNG ADULTS WHOSE PARENTS ARE SEPARATED

____________________

A Research Paper Presented to the Senior High School Faculty

of Tagum City National High School
Visayan Village, Tagum City

____________________

In Partial Fulfillment of the Requirements for

Practical Research 1

____________________

AVRIL LEIGH J. CAHANAP

LEO ANGELO CAJES
ABEGAIL LANDANGANON
NIÑA BRIDGET M. MANASAN

July 2023

i
 APPROVAL SHEET

This research paper titled, “A PHENOMENOLOGICAL APPROACH INTO

THE EXPERIENCES OF YOUNG ADULTS WHOSE PARENTS ARE
SEPARATED”, prepared and submitted by AVRIL LEIGH CAHANAP,
ABEGAIL LANDANGANON, NIÑA BRIDGET MANASAN and LEO
ANGELO CAJES in partial fulfillment of the requirements for the subject,
PRACTICAL RESEARCH 1, has been examined and hereby recommended
for approval and acceptance.

ARNICK T. TAMPOY, MAEd

Adviser

THESIS REVIEW PANEL

APPROVED by the Committee on Oral Examination with the grade of 11.

DALLIEN SUSHMITA GONZALOS, LPT

Chairperson

KRISTELLE MAE SANOY, LPT LYCHELLE CADENAS, LPT

Member Member

PRINCESS CLARISSE SALUDES, LPT

Member

ACCEPTED and APPROVED in partial fulfillment of the requirements for the

subject, PRACTICAL RESEARCH 1.

Oral Examination: ________________

ALONA E. FLORES, MAEd

Assistant to the Principal for Curriculum- Senior High School

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 ABSTRACT

This study investigates how parental separation affects the financial

stability of young adults. It aims to understand their experiences,
emotional well-being, and coping mechanisms in relation to financial
instability. Using purposive sampling, the participating sixteen (16)
young adults were identified. Nine (9) participants cooperated for an in-
depth interview and seven (7) for focus group discussion. The study
utilizes interviews and thematic analysis to gather and analyze data.
Qualitative data were collected via audio-tape recording. Verbatim data
were transcribed. Results revealed the experiences of the participants: (1)
financial hardship, (2) stable financial despite separation, (3) parental
absence, (4) shift in relationship dynamics, (5) seeking parent’s love
and attention. Their coping mechanisms with the challenges they
encountered are: (1) diverse support system, (2) balancing educational
and financial concerns, (3) self-care and personal growth, and (4)
adaptive financial strategies. Upon reflecting on their entire experience,
they arrived at the following insights: (1) independence and self-reliance,
(2) financial education and management, (3) positive mindset approach,
and (4) shifting perspective on family. The study revealed that parental
separation affects the financial stability of young adults, and some also
struggle emotionally and mentally. Most participants reported feeling
stressed after their parent's separation, with financial challenges being
the main concern. However, the young adults who experienced
parental separation found ways to cope by seeking support, self-care,
and actively addressing the problems they faced.

Keywords: parental separation, divorce, financial stability, parental

absence, young adulthood, parent-child relationship, Tagum City

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 ACKNOWLEDGMENT

First of all, we researchers would like to thank the Almighty God for His

enduring grace, guidance, and protection that He has bestowed upon us

during this research.

We would also like to express our sincerest gratitude to our supervisor

and mentor, Sir Arnick T. Tampoy, for his patience, motivation, and immense

knowledge. His guidance helped us throughout the research process.

To our parents, who have continuously supported us financially to

accomplish this study, and for their encouragement and inspiration to us all

throughout, a very special thank you for your parental presence and constant

guidance.

We would also like to thank our fellow classmates and friends for

stimulating discussions, for the sleepless nights we were working together for

deadlines, and for all the fun we have had over the last five months.

Finally, we would like to express our gratitude to all those who have

contributed to the successful completion of our research.

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 TABLE OF CONTENTS

Page

TITLE PAGE i

APPROVAL SHEET ii

ABSTRACT iii

ACKNOWLEDGEMENT iv

TALE OF CONTENTS v

CHAPTER

1 INTRODUCTION

Purpose of the Study 3

Research Questions 3

Theoretical Lens 4

Scope and Limitation of the Study 8

Importance of the Study 9

Definition of Terms 10

Organization of the Study 11

2 REVIEW OF RELATED LITERATURE

3 METHODS

Research Design 26

Research Participants 28

Role of the Researcher 29

Data Sources 29

Data Collection Procedure 30

Data Analysis 31

Trustworthiness of the Study 33

Ethical Considerations 36

4 RESULTS

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5 DISCUSSIONS

Implications of the Study 86

Recommendations for Further Research 87

Concluding Remarks 88

REFERENCES

APPENDICES

A Informed Consent 107

B Validation Form 124

C Transcriptions 129

D Participants’ Certification 184

E Audit Trail 201

F Editor’s Certificate 204

CURRICULUM VITAE

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 Chapter 1

INTRODUCTION

Parental separation, whether through divorce or separation, is a

significant life event that can profoundly impact children's mental, financial,

and overall well-being, especially young adults. A study in China by Lan and

Sun (2020) investigated the effects of parental divorce on Chinese

adolescents. The findings indicate that Chinese adolescents following

parental divorce exhibit a maladaptive pattern (e.g., avoidance and withdrawal)

from psycho-social functions or everyday activities. In addition, a study

conducted in South Korea by Park and Lee (2020) found that divorce and

separation led adolescents to have health behaviors such as smoking,

drinking, using drugs, spending long hours per week of internet use, and

having less physical activity; and mental health indicators include depression,

suicidal idealization, and above-average stress.

Although divorce is still not legal in the Philippines, it nonetheless

occurs through annulments or separation. The study of Paras et al. (2023)

explored the experiences of young adults toward their parents' separation.

The results were that young adults experienced more disadvantages from

parental separation than advantages. Most participants struggled with longing

for parental support and delinquency; other young adults showed a range of

attitudes, primarily sadness, perplexity, anger, fear, and frustration. Some

showed inappropriate behaviors toward social relationships. They internalize

their thoughts and attribute these events to a lack of trust in people or a

general mistrust toward relationships (Rone et al., 2023). Moreover, Falculan

(2019) stated that people with separated

 parents are incredibly impressionable, and what they experienced as

children are typically carried over into adulthood.

Researchers have observed that some couples still have failed marriages

in the local region, specifically in Tagum City, mainly due to too much conflict and

arguing. Because of that, they go through parental separation. Also, through our

observation, other young adults have financial problems due to parental

separation. While other young adults seem to have no experience having

financial problems because both parents are giving financial aid to their children

despite being separated.

It was evident from the previous study above that the effects of parental

separation focus mainly on young adults’ mental health and behavior. However,

less research has been conducted on the financial well‐being of young adults

whose parents are separated (Utkarsh et al., 2020). Likewise, She et al. (2022)

stated that financial well-being among young adults is an emerging and important

field of research. Thus, this study could help fill this gap by exploring the ongoing

impacts of parental separation on young adults' financial independence. There

still needs to be more research that focuses specifically on the experiences of

young adults whose parents are separated.

A phenomenological study that digs into the lived experiences of young

adults who are victims of parental separation is required to understand better the

specific issues they confront and the issues they carry with them. Research is

crucial on this topic to elucidate the effects of parental alienation on young adults’

financial well-being and identify the potential adverse effects. The researchers

urge the need for the conduct of this study to not only create a groundwork for

further research on the subject but also to provide local insight into the young

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 adults’ perspective regarding this matter and, finally, to enable

institutions and other agencies to create programs in line with the study.

Purpose of the Study

The purpose of this phenomenological study is to dig into the

experiences of young adults who are victims of parental separation in their

financial well-being. This study also aims to understand their emotional and

psychological well-being from being financially unstable. The study will also

aid in our better understanding of the challenges faced by young adults whose

parents have separated as well as their coping mechanisms.

At this stage, the experiences of young adults will be defined as those

which encompass the encounters, insights, and coping mechanisms they

have while being financially unstable due to their parent’s separation.

Research Questions

The aim of this study is to investigate the experiences of young adults

whose parents had separated. This study will concentrate on their viewpoint

and problems related to their financial situation. In responding to this research

aim, the following questions are particularly what the researchers hope to

answer:

(1) What are the experiences of young adults regarding financial problems

caused by parental separation?

(2) How do they cope with financial problems as young adults who experience

parental separation?

(3) What are the insights young adults have gained from their experience of

financial problems caused by parental separation?

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Theoretical Lens

Several theoretical perspectives guided our research. First, this study

will be gleaned through the theory of Family Financial Socialization Theory,

studied as a specific theory since 2011 by Clinton G. Gudmunson and Sharon

M. Danes. According to FFST, what and how children learn about money from

their parents while growing up will be associated with their financial well-being

later in life (Gudmunson & Danes, 2011). In FFST, financial socialization

between parents and children occurs within the family through unintentional

and purposive socialization processes.

A study by LeBaron et. al. (2020), examined that children learn

unintentionally by watching their parents model the behaviors. When children

hear their parents discussing money issues, they learn about money

unintentionally. Parents can also purposely teach children about financial

concepts and behaviors (Gudmunson & Danes, 2011). An example of

purposive financial socialization is opening a savings account and explaining

the importance of saving to the child (LeBaron et. al., 2020).

We examined the processes of the theory and combined it with

Bandura’s (1986) Social Cognitive Theory in order to address the perceived

influence of parents on the financial literacy of young adults. The social

cognitive theory asserts that environmental influences young adults have had

throughout their life shape their attitudes and knowledge (Bandura, 1986). As

young adults learn over the years through social interaction (Bandura, 1986),

they begin to understand and form their attitudes and knowledge about

finances. Thus, because parents are the key influence in children’s lives as

they grow, the positive and negative financial attitudes and knowledge young

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adults have about money are primarily influenced by their parents (Förster et.

Al, 2019).

In this study, the two fundamental theories that will direct the

exploration of the elements influencing young adults' behaviors are

Gudmunson and Danes’ Family Financial Socialization Theory from 2011 and

Bandura’s Social Cognitive Theory from 1986. Both theories propose that

individuals learn and develop their behaviors through observing and modeling

the behaviors of others, as well as through cognitive processes such as

attention, motivation, and self-efficacy.

This study will utilize the said theories to help explain some of the

underlying factors that may contribute to the financial problems of young

adults who experienced parental separation. For instance, if their parents

modeled poor financial behaviors or had a negative attitude towards money,

the young adults may have internalized these beliefs and behaviors, making it

more difficult for them to achieve financial stability.

Another theoretical perspective that this study will glean through, is the

theory of Family communication patterns theory. The FCP theory was

developed and pioneered in 2002 by Ascan F. Koerner and Mary Anne

Fitzpatrick. According to The Family Communication Patterns Theory states

that there are four types of family communication patterns: consensual,

pluralistic, protective, and laissez-faire. These patterns differ in their level of

conversation and conformity (Koerner & Fitzpatrick, 2002).

A conversation orientation refers to “the degree to which families create

a communication environment in which all family members are encouraged to

participate in unrestrained interaction about a wide range of topics” (Koerner

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& Schrodt, 2014). A conformity orientation, on the other hand, references “the

degree to which family communication stresses a climate of homogeneity of

attitudes, values, and beliefs” (Koerner & Fitzpatrick, 2002). Additionally, the

FCP theory explains how families communicate with each other and how it

influences individual development and behavior (Koerner & Maki, 2004).

Moschis has described how important communication plays a role in helping

individuals learn the content, logic, and functioning of financial systems

(Moschis et al. 1984). Mugenda et al. (1990) also have shown how family

characteristics influence these communication patterns about finances leading

to improved financial behaviors.

In the context of financial problems young adults face caused by

parental separation, FCPT can help us understand how communication

patterns affect their financial outcomes. According to Koerner & Schrodt

(2014), families with high conversation orientation tend to have open and

frequent communication, this could lead to better financial knowledge and

decision-making among young adults. Meanwhile, families with high

conformity orientation tend to value tradition and conformity (Koerner &

Fitzpatrick, 2002), which may lead to resistance to change and new financial

practices. Thus, the way parents set up communication habits and patterns in

typical everyday conversations will influence how families communicate about

finances specifically (Bleazard, 2022).

Lastly, this study will also utilize the Family Stress Theory which will

also serve as a framework for this study. The Family Stress Theory (FST) was

developed by Reuben Hill in 1949 and posits that families often face acute

stressors that affect their capacity for adaptation. According to Hill (1958),

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there is a pattern to the formation of a family crisis: A (the event or a stressful

situation faced by a family) interacting with B (the resources available to a

family, which can help it reduce impact when facing a stressor.) interacting

with C (the family's definition of the event or perception) to produces X (the

crisis).

In this study, the Family Stress Theory (FST) is used in this study to

provide a framework for comprehending how the stress and strain of parental

separation can cause young adults financial issues. The ABC-X model of

Hill’s (1949) Family Stress Theory can be used to understand that when

families experience stressors, such as parental separation, it can lead to a

series of negative events that affect the family's functioning and ultimately

lead to negative outcomes for individual family members. According to Wu &

Xu (2020), Hill’s ABC-X model of family stress is the foundation of the current

family stress theory.

In conclusion, the said theories highlight the complex interplay between

parental financial behaviors, beliefs, communication patterns, stress and

strain, and young adults' financial outcomes. FFST focuses on the role of

financial socialization in teaching children about financial matters and

promoting financial literacy. SCT emphasizes the importance of learning

through observation, modeling, and reinforcement to build self-efficacy and

promote sound financial behaviors. FCPT highlights the role of

communication patterns within families, such as conversation orientation and

conformity orientation, in shaping young adults' financial knowledge and

decision-making, and FST’s ABC-X Model provides a framework for

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understanding how the stress and strain resulting from parental separation

can lead to financial problems for young adults.

Scope and Limitations

This study is limited to emerging adults who are aged 18 years old and

who had experienced parental separation from childhood ages 7-12 years old.

This scope could gain insights of how this factor may affect the severity of the

financial impact on young adults who have experienced parental separation at

such a young age.

Moreover, this study will explore the financial well-being and financial

challenges faced by young adults. Also, this research may also explore how

these financial difficulties can have adverse effects on the emotional and

psychological well-being of young adults. This scope will enable the

researchers to learn more about how being financially unstable can affect a

young adult’s mental health.

Finally, this study will be conducted locally in Tagum City, Davao Del

Norte, Philippines. The local was chosen since it was found that there are

instances of young adults who experienced parental separation. This study

will include conducting in-depth interviews (IDI) with nine (9) participants and

organizing focus group discussions (FGD) with seven (7) participants. The

participants will be asked open-ended questions, enabling them to share their

responses in their own words. The study’s findings would be limited to the

sample studied and may will not be generalized to all young adults who have

experienced parental separation.

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Importance of the Study

The financial well-being of young adults who have experienced

parental separation at a young age was the subject of this study. The

researchers believe that this study will not only yield data that will be helpful to

us but more so important to the following entities:

As participants in this study, young adults can gain a better

understanding of their own relationship with money. They may discover that

they have certain beliefs and behaviors around money that were shaped by

their experiences during their parents’ separation. This understanding can

help them develop healthier money habits and attitudes.

This study could help parents who are going through or have gone

through a separation to identify areas where they could have done better or

where they could improve going forward. As the research provides insight into

the experiences of young adults, the parents may realize that they need to

prioritize financial stability for their children, and this understanding can help

parents be compassionate and supportive of their children.

To society, this study could help them be aware that this phenomenon

is prevalent and can gain a deeper understanding of the impact that parental

separation can have on young adults’ financial well-being. This knowledge

can help society become more sympathetic towards young adults confronting

hardships and urge them to make a move to resolve these issues.

This study can likewise help government officials and policymakers

plan and carry out more effective policies to support young adults going

through this difficult process. The government can learn more about how well

current social programs and policies work by looking into the experiences of

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young adults who are having financial difficulties as a result of parent

separation. This information can be used to make improvements and ensure

that resources are being used in the most efficient and effective manner

possible.

For future researchers, the findings of this research may be a basis

for further similar studies and can be used as related literature. They can

extend the scope of the present investigation to formulate a more generalized

conclusion.

Definition of Terms

For a better understanding of the study, the following words are

conceptually and operationally defined.

Divorce. According to (Saini et al., 2019) divorce is the legal

dissolution of an adult couple’s relationship by a court or other legal authority

to terminate the legal contract of marriage. It is a common life event that

brings severe economic consequences (Raley & Sweeney 2020).

In this study, the researchers define divorce as two married couple that

is separated legally. Thus, divorce is similar to parental separation where

children's parents do not live in the same household.

Financial well-being. Agyei et al. (2019) define financial well-being as

a condition where an individual is satisfied and comfortable with his or her

financial situation including the ability to meet current expenses from current

income, save, maintain debt at sustainable levels, deal with financial problems,

and is generally satisfied with one’s financial condition.

In this study, the researchers define financial well-being as young

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adults’ financial status or situation, wherein young adults are in control of their

own finances because their parents failed to give them financial support.

Parental separation. As defined by Dahmann et al. (2022), parental

separation is living in a household that does not include both parents, which

includes births into single-parent households.

In this study, the researchers define parental separation where both

parents do not live in the same household, but their children stay at the house

of one of the parents or their grandparents.

Young adult. According to the Cambridge Dictionary, a young adult is

defined as a person who is in his or her late teenage years or early twenties.

Young adulthood is a unique developmental period that occurs between the

ages of 18 and 25 years old (Higley, 2019)

In this study, the researchers define young adults as someone at the

age of 18 that have experienced parental separation at the age of 7-12 years

old.

Organization of the Study

This research endeavor is divided into five (5) chapters. For further

specificity, each chapter is explained in its organization in this research.

Chapter 1 introduces the experiences of individuals from parental

separation. This chapter will cite related studies across the globe. It will also

include the purpose of the study, research questions, theoretical lens, the

study’s scope and limitation, the importance of the study, and the definition of

terms.

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 Chapter 2 presents a preview of related literature and studies of the

phenomenon. The review of related literature will be taken from various

authors/sources.

Chapter 3 explains the methods that will be used in conducting this

research, including the research design, role of the researcher, research

participants, data sources, data collection procedures, the trustworthiness of

the study, ethical considerations, and data analysis of the study.

Chapter 4 provides a discussion of the results of the data collection,

which will be encoded and translated into transcripts of their experiences as

students with limited access to technology, which includes their perspectives,

coping mechanisms, and insights.

Chapter 5 ends the research study by discussing the themes that have

been picked out from the data collected through interviews and are supported

by statements by other authors and researchers. This chapter will also

present the conclusion and what the researchers have drawn on the

experiences provided by our participants.

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 Chapter 2

REVIEW OF RELATED LITERATURE

This chapter presents the relevant literature that the researchers

considered in strengthening the importance of the present study. Also, this

chapter examines, evaluates, and emphasizes related literature, and other

pertinent readings in the context of parental separation among young adults’

experiences. Furthermore, it also presents the synthesis of the art to fully

understand the research or better comprehension of the study.

Divorce/Parental separation

This section of the related literature review stated the definition and

significance of parental separation or divorce and how it affects children and

young adults. Furthermore, in order to better comprehend this type of

phenomenon as well as the prevalence of this issue, it will also explore the

causes of parental divorce or separation.

Divorce/Parental separation has been a frequent event throughout the

history of humanity. Couples go through it regardless of their social, religious,

academic, political, economic, or other standing (Xerxa et al., 2020).

Divorce/separation can occur for a variety of reasons, but some happen more

often than others (Falculan et al., 2019).

According to Uniyal (2022) domestic abuse, a lack of intimacy, money

issues, infidelity, and communication breakdown are some of the reasons or

causes why some couples end up divorcing. In general, there are many

different reasons for divorce, some of which may be relatively minor while

others may not. What is important to one couple going through a divorce

might not be important to another pair. Whatever the circumstances, divorce

 is never a pleasant process because of all the negative effects it has

on society (Rocheleau, 2023).

When a couple decides to live apart, they typically end their

cohabitation. One of the most affected participants in the divorce drama is the

children born into couples where divorce has occurred. According to

Lcsw (2022), most parents who choose to be divorced don't give their

decision much thought as to how it can affect their kids. Divorce/Parental

separation is a major adverse childhood experience, as a matter of fact,

according to Mekonnen et al., (2019) divorce/Parental separation disrupts the

child's upbringing and their children's economic and social security in society.

Not to mention that children of divorced or separated parents are 1.5 to

2 times more likely to live in poverty and engage in risky sexual behavior as

they get older (D'Onofrio & Emery, 2019). Estimates suggest that children

from divorced parents have an 8% lower probability of finishing high school, a

12% lower probability of attending college, and an 11% lower probability of

getting a job after graduation (Brand et al., 2019).

Furthermore, a research study conducted by Garriga and Pennoni

(2020), investigated the impact of parental divorce and temporary separation

on the well-being of children at various stages of development according to

the strength of the parental relationship. Overcoming some of the constraints

of earlier studies, they discover that the breakdown of effective parental

relationships has the worst consequences for kids, particularly in terms of

behavior issues. They showed how the degree of parental relationship quality

affects the large variance in the effects of parental divorce. They demonstrate

that temporary parental separation is a form of family disruption that seriously

14
harms young children. In fact, they imply that they suffer from greater

behavioral and hyperactive issues than kids from blended or stable

households. Their findings also suggest that in order to lessen the negative

effects of family disruption, policies should be targeted specifically at children.

(Garriga & Pennoni, 2020).

Effects on mental health and attitude

This area of the associated literature review focuses on the effects of

young adults whose parents are separated on their mental health and attitude.

Since this study also focuses on how parental separation or divorce affects

young adults' mental health and attitudes, researchers have connected the

following related literature.

The transition from a two-parent household to a single-parent

household can be challenging and stressful for young adults, who are in the

process of developing their own identity and making important life decisions

(Farnacio & Reyes, 2021). Young adulthood as defined by Higley (2019) is a

unique developmental period that occurs between the ages of 18 and 25

years, during which there are key developmental tasks that allow the young

adult to participate in self-exploration and identity formation.

One of the ways an individual cope with stress caused by the

separation of parents is by associating themselves with cigarette and alcohol

dependence. According to Agustini (2020), parental divorce or separation is

associated with riskier substance use in young adulthood. Likewise, there is a

higher risk of developing a variety of mental health conditions, including

emotional and behavioral disorders, poor school performance, depression,

anxiety, suicidal ideation, suicide attempt, and distress (Çaksen, 2022). In

15
more recent research, children who have experienced parental divorce

showed increased levels of emotional problems (e.g. seeming unhappy or

worried), problems with peers (e.g. playing alone or being bullied by other

children), and hyperactivity (Pronzato & Aassve, 2019).

What is more, divorce is one of the most stressful life experiences and

can significantly negatively impact many aspects of the lives of the people

involved (Wanberg et al., 2022). Regardless of age, gender, or culture,

children of divorced parents are more likely to experience psychological

problems and behavioral problems (D'Onofrio & Emery, 2019), and it can also

cause a child to lose their mental stability, financial security, and daily

predictability, as well as relocate to new homes and lose friends (Auersperg et

al., 2019).

Although parental separation is typically preceded by conflict, which is

itself a risk factor for problem behavior in children according to Xerxa et al.,

(2020). It is unclear if parental divorce affects children's problem behavior

negatively even in the absence of conflict. Family conflict frequently occurs

long before the actual physical separation, making it difficult to determine

whether the negative effects on children are brought on by the parental

separation or by the family conflict, which both increases the risk of separation

and brings about child maladjustment (Bertelsen, 2021).

The conflict between divorced or separated parents increases the risk

of children developing physical and mental health problems (O’Hara et al.,

2021). A study from the Arizona State University Research and Education

Advancing Children’s Health (REACH) Institute has found that children

experience fear of being abandoned when their divorced or separated parents

16
engage in conflict. Children's anxiety about abandonment is a sign of future

mental health issues. According to research involving kids from households

with married or cohabiting parents, kids perceive interparental conflict as a

threat and frequently question if their parents will be divorced. "Conflict is a

salient stressor for kids, and the link between exposure to interparental

conflict and mental health problems in children is well established across all

family types — married, cohabitation, separated, and divorced," said Karey

O’Hara, a research assistant professor of psychology at ASU. The

researchers anticipated that children who had great relationships with a

parent would feel less fear of abandonment and mental health issues because

it is known that quality parent-child relationships protect children from stress.

Financial literacy and behavior

This section of the literature review focuses on the studies centered on

the financial literacy and behavior of young adults and how parental

separation can affect their knowledge and attitude toward money. Additionally,

it talks about how important parents' guidance is in forming a healthy

relationship with money.

Understanding and being proficient in the use of different financial skills,

such as investing, budgeting, and personal financial management, is known

as financial literacy. Financial literacy is the starting point for a connection with

money and is a lifetime learning process (Rahman et al., 2021). Parental

separation or divorce has an impact on young adults' financial literacy as well.

Financial literacy is one of the competencies which people really need in

current times to make various financial decisions. Parents become very

critical agents in the development of children's financial literacy level and it is

17
proven that there is a relationship between financial literacy and parental

financial socialization (Putri et al., 2020).

Additionally, Putri et al., (2020) stated that the factors that influence the

success of parental socialization in increasing children's financial literacy are

parents' experience, role modeling, financial communication, money

allowance, and financial monitoring. Nevertheless, young adults whose

parents are separated greatly impacted their financial literacy. For instance, if

a child doesn't have financial education due to their parent's divorce or

separation when they grow up and become young adults, they would not

know how to save money and will lack financial education. As parents are key

factors in influencing their children about finances (Chawla et al., 2022).

Financial behavior can perform a central role where individuals’ well-

being including households, society, nations as well as around the world can

be influenced by financial behavior (Rahman et al., 2021). Fan and Henager

(2021) assert that financial well-being is both directly and indirectly tied to

financial behavior and that financial behavior has a direct impact on financial

well-being. Morris et al., (2022) also stated that financial confidence plays a

crucial role in explaining financial behavior and that learning capacity explains

financial confidence.

Furthermore, the study by Utkarsh et al. (2020) stated that young

adults whose parents are separated reveal the role of attitude toward money

as a strong predictor of financial well‐being. The results provide implications

for educational and financial institutions and policymakers for improving the

financial well‐being of young adults whose parents are separated. Poor

financial management can trigger financial problems and stress for young

18
adults whose parents are separated (Guan et al., 2022). When young adults

enter college, many young adults who are experiencing parental separation

face their first financial obligations, such as paying bills, budgeting, and

establishing credit (Aydin & Selcuk, 2019). Financial knowledge and attitude

of young adults who have experienced parental separation have a significant

impact on their financial behavior based on the studies mentioned above.

According to a research study conducted by Chawla et al. (2022)

entitled "Parental Influence, Financial Literacy, and Investment Behavior of

Young Adults,” parents are the first and leading socialization agents for young

adults. It is vital to recognize the influence of perceived parental financial

behavior on shaping the financial literacy and investment behavior of their

children. Their research aims to examine how much parental influence there

is on financial literacy, and the direct and indirect effects of financial literacy

on young adults' investment behavior are looked at.

Financial literacy has been proven to be highly impacted by perceived

parental financial behavior (Chawla et al., 2022). In turn, financial literacy

positively influences the investment behavior of young adults. Young adults'

feelings of confidence in their capacity to make wise financial decisions also

influence their choice to invest. The findings of their study suggest that

deliberate policy initiatives are required to guarantee that young individuals

are financially literate (Chawla et al., 2022).

Family structure

This section of the literature review discusses more on the difference

between an intact family and a non-intact family in terms of mental health,

19
education, and financial well-being. It also talks about how necessary for a

child to have both parents as they grow into adulthood.

From the time we are young, relationships begin to develop. Some

people reside in intact homes, often families with a married mother and father

and children, while some families also include two mothers or two fathers and

children (Guetto et al., 2022). Previous research has documented that

children who do not live with both biological parent’s fare somewhat worse on

a variety of outcomes than those who do. In the study conducted by Schaan

et al. (2019), they investigated if young adults with divorced parents are at risk

of developing mental disorders. Participants from divorced families, as

compared to non-divorced families, reported more depression, loneliness,

childhood trauma, attachment avoidance, attachment anxiety, chronic stress,

and less parental care. However, a study by Costales (2019) revealed

parental separation. In terms of having the motivation to go to school, there is

no significant difference between students whose parents are still together

and those whose parents are separated.

Moreover, according to Fomby and Kravitz-Wirtz (2019), family

structure has a long-term impact on how parents feel about their financial

responsibilities to their children. Both step-parents and remarried (biological)

parents were less likely to concur that parents should provide financial

support as children transition to adulthood when compared to intact families.

When parents had a kid together in addition to children from previous

relationships, stepfamilies felt more financial responsibility. When their oldest

child was an adolescent, single parents showed fewer positive sentiments

20
about economic support than two-biological-parent families, but their attitudes

improved over time (Fomby & Kravitz-Wirtz, 2019).

Parent financial support

This literature section will help us understand how crucial parental

financial support is for young adults. Parents' financial support might be

significant for their kids, especially in young adults' lives. Therefore, this

section will highlight how parents' financial support for young adults whose

parents are separated also needs guidance from parents in terms of

finances.

Parents' financial support can play a crucial role in the lives of young

adults. According to a research study conducted by Moneva et al., (2020) the

capacity of the parents to provide financially the needs of the young adult

students in their studies is referred to as parental financial support. The study

revealed that students were more motivated when they are financially

supported by their parents when it comes to educational purposes. Given the

fact that having parents who provide financial support, not all parents can

provide financial support, which adds stress and helps with emotional

readjusting (Lindell et al.,2020). Moreover, the impact of aid is also not

calculated after taking into account other relevant elements, financial aid may

indicate that adult offspring of resource-rich parents are more likely due to

their high economic standing (Abate, 2022).

Furthermore, given the significance of parental socialization for the

financial security of emerging adults, financial discord may also be prevented

when parents provide advice about how to become financially independent,

responsible for financial saving and spending habits, and talk about financial

21
choice-making (Lowe and Arnett 2020). Relations between parents and

children were often of excellent quality, especially if the parents supported

more financially (Lindell et al., 2020). According to Lowe and Arnett (2020)

that parents’ provision of financial support was linked to worries that their

children were not adequately prepared for adulthood, and these concerns

were linked to increased conflicts about money. Additionally, most parents

would like for their children to develop healthy attitudes, behaviors, and skills

needed to become financially independent in early adulthood (LeBaron et al.,

2019)

Additionally, according to a research study conducted by Moneva et al.,

(2020) parents’ contribution to their children's education financially has a

consistent and positive effect on academic achievement and on the self-

concept. The study stated that there is a significant association between

parental financial support and students’ motivation in learning. Due to parental

separation and the lack of financial support from their parents, the majority of

young adults work extremely hard on their own. Lack of that sense of financial

support may eventually lead to depressive feelings, which can affect a

person's behavior similarly to adults going through a parental separation

(Guan et al., 2022).

Gender differences in socialization and financial education

This section of the literature review discusses how the child's sex in the

family system may moderate associations between overt financial education

and financial behavior, even though all aspects of gender socialization may

affect how gendered ideas in families impact the financial socialization of

children.

22
 Regarding gender, many studies have found many differences

between young adult males and females in financial literacy and behaviors.

There is a possibility that parents may socialize their children differently

according to the child’s sex according to Rai et al. (2019). It is critical to

recognize that financial socialization takes place alongside other forms of

socialization (LeBaron & Kelley, 2021). Gender socialization is a significant

socialization that probably connects with financial socialization. Parents

influence children's gender socialization in four key ways: channeling (i.e.,

skewed environment), differential treatment (i.e., treating males and females

differently), direct instruction (i.e., telling males and females to behave in

different ways), and modeling (i.e., exhibiting gendered behavior for children)

(LeBaron & Kelley, 2021).

According to these ideas, parents' views on gender roles may

influence the choices they make regarding how to teach both boys and girls

about money. For instance, if parents support traditional gender roles, they

can emphasize more caregiving roles for daughters and more opportunities

for males to earn money. In this case, parents may give boys greater

opportunities to earn money and manage their finances by highlighting

opportunities for sons to earn a living (LeBaron & Kelley, 2021).

There is some evidence that parental financial socialization of male

and female children differs. For example, Dare et al. (2020) discovered that

parents placed greater emphasis on money and grades for sons than for girls

and that parents had higher expectations for working and saving for sons than

for daughters. Additionally, Dare et al. (2020) discovered that fathers talked

about the family's finances with sons earlier than they did with daughters. This

23
was also discovered in a more recent study by Jain & Handa (2021), who

discovered that male children started having money conversations with their

parents earlier than female children.

Research indicates that men report having better overall financial

literacy than women and that they complete their financial education about a

year earlier than women do. This may be the case given that men are still

typically expected to support their families financially in the future (Rai et

al.,2019). Even still, parents are essential for all adolescents and young adults

as they move into adulthood, despite these disparities in financial education

and responsiveness between adolescent males and girls (Bleazard, 2022).

According to Willoughby et al. (2020), the effects of parental divorce

are more severe on the daughters in the family. Not only are they less taught

in handling finances but also are vulnerable to being pregnant early

(Nabugoomu et al., 2020). According to Islam (2022), women who are of

young age, having children, and facing disruption in marital life are more likely

to face financial distress. Financial literacy among women is very low and

their level of financial knowledge is not satisfactory due to a lack of clarity

between insurance, saving, and investment products, and a lack of money

management discussions with their parents (Rai et al., 2019).

Furthermore, the traditional belief of men’s and women's social roles

upholds that men are more likely to be perceived as responsible for providing

resources for a household while women are assumed as more economically

dependent (Sabri, 2021). The financial literacy level among men is increasing

faster than in women. A study conducted by Fan and Babiarz (2019) stated

24
that men tend to deliberately find ways to increase their financial performance

and productivity.

It was evident from the previous related works of literature that parental

separation can cause many adverse effects not only to the children and the

parents but also to the young adults who, people may seem as already ‘grown

up’ and thought to be less affected by parental divorce or separation. This

thought was supported by various research on parental separation and

strengthened by the research about the effects of parental separation.

In conclusion, parental divorce or separation can negatively impact

children, parents, and especially young adults who may appear to be already

"grown up" and assumed to be less impacted by such events. This much was

clear from prior linked works of literature. It was emphasized that the

separation of parents is one of the factors contributing to people's poor mental

health and attitudes. The literature also shows that young adults with

separated parents experience effects on their financial literacy and behavior.

The literature review emphasizes the necessity of comprehensive, individually

tailored therapies for young adults from separated parents that consider their

particular requirements. These interventions should improve the participants'

financial behaviors, such as saving and debt management, and their mental

health and attitudes toward financial literacy. Young adults from separated

parents can get the skills necessary to survive despite the difficulties that

come with parental separation by being empowered. This idea was bolstered

by a study on the impacts of parental separation and supported by several

studies on parental separation.

25
 Chapter 3

METHODS

This chapter presents the research design, research participants, and

the role of the researchers. Additionally, this chapter also details the data

sources, data collection procedures, data analysis, trustworthiness, and

ethical considerations of the study. In particular, the methodology used in this

research endeavor uncovers the experiences of young adults whose parents

are separated.

Research Design

The larger research format and plan, often known as the "research

plan" or "research design," haunts the researcher's mind once the problem

has been chosen and the pertinent literature has been discovered. (Thakur,

2021) defined the research design as the overarching plan a person selects to

integrate the various study components logically and cogently, ensuring they

will successfully address the research problem. In addition, according to

Asenahabi (2019), a good research design is necessary for a successful

research project. This is a strategy chosen by a researcher before data

collection to accomplish the research goal successfully. Research design

aims to transform a problem into data that can be analyzed to get accurate

answers to research questions at the lowest possible cost.

Furthermore, due to the exploratory nature of this study, a qualitative

approach is used to explore the phenomena in detail. Qualitative research can

be defined as the study of the nature of phenomena and is exceptionally well

suited for addressing the reasons why specific phenomena are observed (or

not), analyzing complex multi-component interventions, and focusing on the

 development of interventions (Busetto et al., 2020). Additionally, it

collects participants' experiences, perceptions, and behaviors to address the

hows and whys (Tenny, 2022).

Also, phenomenology is a form of qualitative research that focuses on

studying an individual’s lived experiences. It is a research strategy that is well-

suited for exploring problems (Neubauer et al., 2019). Thus, the researchers

will conduct the study as qualitative phenomenological research to better

understand the effects of parental separation on young adults’ mental health

and financial behavior. By asking our participants about the effects of parental

separation, we decided to prepare a few questions about their experiences

with it. In this way, we can gather data on their opinions, behaviors,

experiences, and characteristics.

This study employs in-depth interviews, open-ended questions, and

observation notes to better understand the experiences of young adults who

are victims of parental separation. We will compile in-depth accounts of the

experiences, insights, and coping mechanisms of those who have agreed to

participate. Specifically, as mentioned, the interviews and observation notes

were contextualized for the experiences of young adults during parental

separation.

Given the conditions of this research endeavor, it is appropriate that a

qualitative research design will be utilized in this research endeavor. The

experiences, insight, and coping mechanisms of young adults who have gone

through parental separation will be comprehended using this design. The

phenomenology approach is additionally more appropriate for this study. The

researchers tried to comprehend the phenomena of parental separation

27
experienced by young adults as well as their financial issues, which may

impact their behavior and mental health.

Research Participants

The participants of this study will be a total of 16 young adults who

experienced parental separation at the age of 7-12 years old. The participants

were selected, identified, and chosen through purposive sampling.

Participants in this study will select based on the following categories in order

to better understand the effects of parental separation:(1) those who have

experienced parental separation at the age of 7-12 years old; (2) those who

are young adults (18 years old) ;(3) those who reside in Tagum City.

The researchers follow Cresswell and Poth's (2019) advice that the

number of participants in a phenomenological inquiry could range from 1 to 25

when choosing their participants. In line with this, we selected 7 young adults

for an in-depth interview (IDI) and 9 young adults for focus group discussion

(FGD). The number of participants will be sufficient to answer the

phenomenon under consideration.

Furthermore, the researcher utilized purposive sampling, as this is the

best fit for this research pursuit. Purposive sampling, as described by (Hassan,

2023) is a non-probability sampling technique used in research to select

individuals or groups of individuals that meet specific criteria relevant to the

research question or objective. In this regard, the researcher made wise

decisions while selecting the person who might provide the most insightful

perspective on this kind of phenomenon.

28
Role of the Researcher

According to Ulz (2022), a researcher's job is to responsibly uncover or

confirm knowledge that is founded on evidence and can be helpful to society

or the entire world. As researchers, we are responsible for ensuring all

research procedures are followed. Our roles as researchers are to interview

and transcribe the collected data and ensure that the ethical conduct of

research were of utmost importance for the success of this endeavor. Also,

researchers collect data throughout the project life cycle, analyze the data,

and publish the findings to aid new research, enrich scholarly literature, and

improve decision-making (Ulz, 2022).

Data Sources

The research data source is the reservoir of facts and figures, or non-

statistical figures, gathered by the researcher or analysts to continue

processing the study task. According to the tradition of qualitative research,

Voukelatou et al. (2021) explained that the data source encompasses various

aspects of the study's data. These could also contain information that has

already been acquired or that will be gathered throughout the study. These

names can apply to a range of data collection methods and technologies.

Primary or secondary sources of data may be used in this study.

More specifically, original and unique data that the researcher directly

gathers from sources, including observations, surveys, questionnaires, case

studies, and interviews, constitute the primary data source (Islam & Islam,

2020). A primary source is a first-person or current account of an event or

subject produced by individuals or things at the event or time. Primary

29
sources may include speeches, diaries, letters, photographs, and interviews

(Fitzgerald, 2019).

Furthermore, data that has already been gathered and subjected to

several statistical analyses is known as a secondary data source in research

(Islam & Islam, 2020). A secondary source, which is one or more steps

removed from the event, interprets and analyzes primary sources (Wickham,

2019).

Additionally, secondary sources may incorporate primary sources'

quotes, images, or visuals. Some examples of secondary sources are

textbooks, encyclopedias, journal articles, histories, criticisms, and

commentaries. Both primary and secondary sources were employed to gather

our data. Our primary sources are in-depth interviews and open-ended survey

questions, with journal papers serving as our secondary sources.

Data Collection Procedure

As researchers, we will carefully follow the proper data collection steps.

We will gather pertinent data for this research study in the ways described

below. The procedure for gathering data will include conducting the interviews

with the participants' consent, obtaining a letter of authorization from the

academic institution to carry out the study, and providing a letter of

authorization to the company or station where the participants are currently

employed. The transcription will be classified, grouped, and themed to present

the results. Below are the specifics of each step of the data collection process.

First, we will secure a letter from our research adviser to conduct this

research. The letter of permission is essential to validate or endorse the study

as it will undergo a process of scrutiny (critical observation or examination).

30
 Secondly, in order to display the findings, the transcription will be

sorted, grouped, and themed. (The specifics of each step of the data-

gathering process are provided below, along with information on each stage

of the operation).

Thirdly, once we have finished requesting permission, we will begin

conducting interviews with the individuals. (As researchers, we shall strictly

adhere to the correct data-gathering procedures with the participants.)

Data Analysis

In data analysis, we will use Braun and Clark's (2006) six steps to

thematic analysis, as cited by Byrne (2021). A method of examining

qualitative data is referred to as thematic analysis. This strategy is frequently

used to analyze a group of texts, such as survey responses, transcripts of

interviews, or notes from focus groups (Braun & Clarke, 2019).

A six-step system was created to help generate clarity and rigor around

this procedure. We will employ this system because it is the most popular one

when doing thematic analysis. These are the six steps:

In familiarizing ourselves with the data set, we will read the transcripts

several times to become familiar with them. Reading and re-reading the

transcripts was essential since it gave everyone who did the data analysis a

fresh perspective on the data sets. Thematic analysis will make it easier for us,

the researchers, to traverse thanks to data analysis. Additionally, it is crucial

to read through and review the data repeatedly so that we, the researchers,

can fully understand all the information.

In generating initial codes, we will note prospective items of interest,

queries, and linkages between data items. This frequently entails underlining

31
specific passages of text and assigning labels, also known as codes, to us

that explain the nature of our content. We will be able to create our first codes

in this manner. In this study, codes were crucial because they made it

possible for the researcher to see the connections between terms in the data,

which was a crucial step in developing the themes.

In searching for themes, we will look for potential themes of broader

significance by looking at codes and collected data extracts. Typically, we will

combine several codes into a single theme. Additionally, we will be editing our

codes, and some may be discarded since they are too general or not

immediately applicable. The distinctive narratives that characterized

participants' perceptions of the topic under study in this study served as the

themes. Searching for themes will be exhaustive and iterative, hoping the

research question will be answered.

In reviewing the themes, we will study each one while asking questions

about the data's relevancy, the quality of its justification, the coherence of its

structure, and the diversity of its sources. As previously stated, finding themes

will be time-consuming and iterative. It is advantageous to adopt a rigorous

back-and-forth strategy that involves evaluation, assessment, comparison,

and inquiry to ensure that no errors have crept in during the process. The

presentation of ideas should be appropriate and well-organized.

In defining and naming themes, we must determine each theme's

significance and, more importantly, how it helps us interpret the data when

developing and labeling them. Once we have identified our themes, we will

give each one a concise and clear name so that we can continue to the next

and last steps.

32
 We will then compile our findings into a written report to finish the

process. As with all scholarly writing, a thematic analysis will begin with an

introductory section describing the research issue and methodology. The

technique will then be discussed, including how data will be gathered and how

thematic analysis will be carried out. In the results section, each theme will be

discussed in length, focusing on how frequently it appears in the data, what it

means, and examples from the data used to support the argument. The

conclusion section will include a summary of the main points and a description

of how the analysis responds to the research question.

Trustworthiness of the Study

The degree of confidence in a study's data, interpretation, and methods

used to guarantee its quality is its trustworthiness or rigor (Stahl & King, 2020).

In this study, researchers will establish the protocols and procedures

necessary for a study to be considered worthy of consideration by readers.

Criteria outlined by Lincoln and Guba (1985), quoted by Kelp and Simion

(2023), are accepted by many qualitative researchers and will be utilized in

this research. The criteria will include credibility, dependability, confirmability,

and transferability, which will later add authenticity.

According to Thakur and Chetty (2020), the research's internal validity

and credibility are correlated. Credibility is the level of trust in the accuracy of

the study's conclusions. The credibility of the study is established by

determining if the conclusions accurately reflect the participants' true opinions

and reflect credible information gained from their initial data. The most

important factor is the study's credibility, or the level of assurance in the

study's accuracy and, consequently, the conclusions (Stahl & King, 2020).

33
 The researcher will carry out two steps to establish credibility to

guarantee it. The first involved compiling the data into a table to provide a

comprehensive evaluation of the data collection procedure as well as a

streamlined evaluation of the results as they were obtained. The researcher

was able to quickly evaluate the results based on the records of each

respondent and see how far the investigation had advanced by using a table

to store data.

Being trustworthy and dependable is a quality that is referred to as

dependability. The upkeep of an audit trail of process logs and peer

debriefings with a colleague are examples of procedures for dependability.

Process logs are the researcher's records of all study-related actions and

choices, such as whom to interview and what to observe (Kelp & Simion,

2023). Dependability is vital to trustworthiness because it establishes the

research study’s findings as consistent and repeatable (Korstjens & Moser,

2019).

The researchers will observe the dependability in verifying that our

findings are consistent with the raw data we will collect. After reviewing the

data, we will come to comparable discoveries, interpretations, and

conclusions. This is important to ensure that nothing was missing in the

research study or that we, the researchers, were not sloppy or misguided in

our final report.

Confirmability is the extent to which other researchers can verify the

conclusions of a research study. Confirmability focuses on demonstrating that

the data and interpretations of the findings are generated from the data and

not from the inquirer's imagination (Korstjens & Moser, 2019). By showing

34
which codes and patterns are connected in analyses, an explicit coding

schema can demonstrate this.

The researcher will observe confirmability by conducting member-

checking with study participants or similar individuals. Confirmability concerns

the aspect of neutrality. We need to secure the inter-subjectivity of the data,

and the interpretation should not be based on our particular preferences and

viewpoints but should be grounded in the data.

We are in charge of delivering a comprehensive collection of notes on

choices made throughout the research process, discussions held by the

research team, self-reflective ideas, sampling, research materials used, the

emergence of the findings, and data management information. Because of

this, as researchers, we can examine how transparent the research process

was.

According to Korstjens & Moser (2019), transferability is the degree

to which the results of qualitative research can be transferred to other

contexts or settings with other respondents. The researcher facilitates the

transferability judgment by a potential user through the thick description. The

nature of transferability, or the degree to which findings benefit people in other

settings, differs from other parts of research in that readers decide how

applicable the findings are to their circumstances, according to Stahl and King

(2020). This is different from statistical generalization, even though it is

analogous to generalization in quantitative research.

In our study, we will utilize the strategy of thick description of

transferability strategy. Transferability concerns the aspect of applicability. As

researchers, we are responsible for providing a ‘thick description’ of the

35
participants and the research process to enable the reader to assess whether

our findings are transferable to their settings. This implies that the reader, not

us, the researcher, makes the transferability judgment because we, the

researcher, do not know their specific settings. In addition, our study will be

provided a rich account of descriptive data, such as the context in which the

research was carried out, its setting, sample, sample size, sample strategy,

inclusion, and exclusion criteria, interview procedure and topics, changes in

interview questions based on the iterative research process, and excerpts

from the interview guide.

Ethical Considerations

Ethical considerations in research are critical for human rights,

scientific integrity, and science-society partnerships. Understanding real-world

occurrences, researching efficient therapies, examining habits, and enhancing

lives in other ways are frequently the objectives of human research. What you

decide to research and how you conduct that research involve key ethical

considerations (Newman et al., 2021). When gathering data from people,

scientists and researchers must always abide by a set of ethical principles.

According to Bhandari (2022), ethical considerations in research are a

set of principles that guide your research designs and practices. As the

researcher, we have promptly observed the ethical considerations that have

served as a moral compass in the conduct of this study. The researcher

followed the Belmont Report (1974) cited by Anabo et al. (2019), which

illuminated three (3) ethical principles in doing research involving human

beings. In the Belmont Report (1974), cited by Anabo et al. (2019), ethical

principles included the following: respect for persons, beneficence, and justice.

36
 The ethical principle of respect for persons calls for us to maintain

every individual's rights, protection, and dignity. Respect for people is a type

of respect that places different moral standards on our relationships with

people than with things that are not people (Centre, 2021). Respect for people

is also a fundamental notion in social work ethics, but it has been influenced

by various ideologies that may not reflect its true meaning (Millum &

Bromwich, 2020).

Respecting someone also means recognizing that not everyone can

make their own decisions and that those who cannot do so need extra

protection. Anywhere along the line between these two extremes that

participants may fall, the researcher must ensure they are fully aware of the

advantages and risks of participating. We will note and incorporate the

following to address the fact that respect for human persons is strictly upheld

in this study: they must be made aware of the research study, the inherent

risk in their participation, and the potential rewards associated with their

engagements (Millum & Bromwich, 2020).

In research, Beneficence refers to acting in such a way as to benefit

others while promoting their welfare and safety (Varkey, 2020). According to

McCullough (2020), beneficence is an act of kindness, mercy, and charity with

a strong moral imperative to do good to others. Although not explicitly

mentioned by name, the biomedical ethical principle of nonmaleficence (not

harm) also appears within the Belmont Report’s section on beneficence. The

beneficence principle includes two specific research aspects: (1) participants’

right to freedom from harm and discomfort and (2) participants’ rights to

protection from exploitation (Barrow, 2022).

37
 In this research study, the researchers will ethically treat the individuals

by respecting their choices, keeping them safe, and working to ensure their

well-being. The beneficence principle covers such treatment. We, the

researchers, will assess the advantages and disadvantages of research

participants. To adhere to the beneficence principle, researchers will

implement certain safeguards to reduce suffering or harm. Additionally, the

researchers will safeguard participants from exploitation per the beneficence

principle, and participants' information they disclose as part of the study will

be kept private.

The final principle contained in the Belmont Report is the principle of

justice, which pertains to participants’ right to fair treatment and right to

privacy (Barrow, 2022). Justice is also called the need to treat individuals

fairly and equitably (Pratt et al., 2020). This considers issues like avoiding

bias when drawing samples from a larger population and avoiding subjecting

participants to research procedures that might put them at a disadvantage.

This rule also states that potential volunteers who decide not to participate in

the study cannot be subjected to unfavorable or harmful outcomes.

The justice principle outlined in the Belmont Report also encompasses

the right to privacy. Any information shared by researchers will be held in the

strictest confidence in order to protect the right to privacy; measures for

secrecy or anonymity are frequently used. The researcher cannot link the

participant to the participant's data if the data is entirely anonymous.

Researchers will also protect participant confidentiality. We, the researchers,

can ensure confidentiality using various techniques, such as locking any

participant's identifying information and using code numbers instead of names

38
with a correlation key that is only accessible to a safety or oversight

functionary in an emergency and not easily accessible to the researchers

themselves.

39
 Chapter 4

RESULTS

In this chapter, the findings of the study focusing on the experiences of

young adults who went through parental separation in Tagum City are

presented. This chapter uncovers the participant’s responses, codes, and

themes derived from a thorough analysis of interviews conducted by the

researcher. Specifically, it highlights the themes related to the experiences,

coping mechanisms, and insights of young adults on parental separation in

Tagum City as they face financial problems.

Experiences of Young Adults Regarding Financial Problems Caused by

Parental Separation

Upon reviewing the feedback provided by the participants regarding the

experiences of young adults with separated parents, several key themes

surfaced. These themes encompassed: (1) financial hardship, (2) stable

financial despite separation, (3) parental absence, (4) shift in relationship

dynamics, (5) seeking parent’s love and attention.

Table 1 shows the major themes and core ideas on the experiences of young

adults regarding their financial problems from parent’s separation.

Table 1

Major Themes and Core Ideas on the Experiences of Young Adults

Regarding Financial Problems from Separated Parents

Major Themes Core Ideas

Financial Hardship ● struggle on limited financial

support
● challenges in school-related
expenses
● struggle in house-related
expense

40
 ● struggle on the minimum wage
of parents
● financial strain due to medical
expenses
● increase in expenses nowadays

Stable Financial Despite Separation ● unchanged financial status due

to consistent support
● stable financial situation due to
being the only child
● absence of financial hardship
due to OFW parents
● financial ease due to being
independent

Parental Absence ● struggle to manage emotions

due to separation
● impact of parental interactions
on emotional well-being
● lack of parental support in
school-related activities
● emotionally disconnected

Shift in Relationship Dynamics ● strained relationship with both

parents
● father’s lack of involvement and
support
● lack of communication

Seeking Parents’ Love and ● difficulty in finding a reliable

Attention source of guidance and comfort
● desire for parental affection and
support
● yearning for family wholeness

Financial Hardship

According to the interviews conducted, young adults who have gone

through parental separation face financial challenges following their parents'

separation. These challenges, known as financial hardship, involve difficulties

in meeting financial responsibilities, maintaining a desired lifestyle, and

covering essential expenses. Financial hardship often leads to increased

41
stress and obstacles in meeting basic needs and financial objectives, as

reported by the young adults after their parents' separation.

Due to her parents' separation, Miss Yellow has experienced a

dramatic change in her financial status. As a result, their support is no longer

sufficient to meet her basic needs, including her basic hygiene needs. She

said the following:

“Nakaingon jud ko nga dako jud siya nga effect

ang pagbulag sa akong mama ug papa karon sa
among current nga financial situation kay mao ra
gud naka-support sa akoa unya dili na kaayo niya
ma-cover ako ang basic nga kinahanglan biskan
nga basic nga hygiene dili niya mahatag.”

(I really realized that the separation of my mom

and dad has a significant effect on our current
financial situation. They used to support me, but
now it's not enough to cover my basic needs,
including basic hygiene necessities that they can
no longer provide.)

Similar to Miss Yellow's experience, Miss Brown also faces challenges

due to the limited financial support from her parents.

“Mas nagproblema gihapon ko karon bisan ug

duha na gani ang mag-support sa akoa sa akoang
financial but wala didto akoang papa. Ang akoa
lang magtabang is akong mama but akoang mama
man gud kay naa siyay family. Bisan pag duha sila
mag-support maglisod gihapon ko ug reach-out.”

(I am still facing more problems now, even though

there are two people who will support me
financially, but my father is not among them. The
only one who helps me is my mother, but my
mother has another family. Even with their support,
it is still difficult for me to reach out.)

Young adults facing financial difficulties often encounter challenges in

meeting the expenses associated with their education. These challenges

42
include the various financial obligations and costs that need to be fulfilled and

covered, Mr. Blue noted:

“Mga financial situation po karon diri sa school

daghan kaayo mga amutan ug bayrunon.”

(The financial situation here at school is quite

challenging as there are numerous expenses that
need to be met and paid for.)

Ongoing struggle to manage daily expenses, particularly for utilities like

electricity and water, shapes participant’s priorities. Miss Sky Blue pointed out

that:

“Naglisod gihapon ko kay adlaw adlaw man jud

naay gasto labaw na sa kuryenti, tubig, so gina-
prioritize man jud na. Gamay ko hantod sa
nagdako, mao ra gihapon ang sitwasyon.”

(I still struggle because there are daily expenses,

especially for electricity and water, so I prioritize
those. Even when I was young until now, the
situation remains the same, and I still try to save
on my meals.)

During the parental separation Miss Green faced

difficulties due to the parents’ low income or minimum wage.

This is her original words:

“Katong elementary pa ko, nagbulag na sila mama.

Si papa kay construction worker lang, ang iya lang
sweldo kay igo ra sa akong pamiliti then balon ug
iyaha pud balon.”

(When I was in elementary school, my parents

separated. My dad was just a construction worker,
and his income was barely enough for my
transportation expenses, and also his own
expenses.)

Additionally, the burden of ongoing medical expenses further

exacerbates financial challenges, Miss Grey mentioned:

43
 “Nakaapekto ang kato nga bases ang pagbulag sa
akong mama ug papa sa akong current financial
situation karun, kay karun nga time nag-stop ko ug
eskwela because of some financial issues samot
na kay naa koy ginahambing nga sakit.”

(The separation of my mother and father has

affected my current financial situation because at
this time, I had to stop schooling due to some
financial issues, especially because I am also
dealing with an illness that requires ongoing
medical expenses.)

Current financial challenges faced by Miss Purple have made it

increasingly difficult to manage expenses and prioritize essential needs. The

exact words:

“Sa karon man gud is dili na pareha dati nga

makaya-kaya ra ang mga gastuhon karon lisod na
jud kaayo siya pangitaon pamaagi labi na kaning
sama sa giingon na budget jud ang need jud basta
separated imong parents’ kay syempre sa tibuok
family isa raman jud ang maglihok.”

(Nowadays, it's not like before when expenses

were manageable. It's really difficult to find a way,
especially in situations where the budget is the
priority and the needs are essential, especially
when your parents are separated. Because, of
course, in the entire family, there's only one person
taking care of everything.)

Stable Financial Despite Separation

While some young adults face financial challenges after experiencing

parental separation, there are participants who manage to maintain a stable

financial situation despite the separation.

Mr. Blue expressed that the financial situation remains unchanged

even after the separation of his parents’, as the father was the sole provider

before and continues to be so presently. His original words:

“Still same lang gihapon kay ‘tong time nga wala

pa sila nag-separate akong papa man gihapon ang
44
 nagtrabaho ato then mao ra gihapon same lang
ang financial.”

(It's still the same, nothing has changed because

even before they separated, my dad was the one
working, and it's still the same financially.)

The reliable and consistent financial support provided by the mother,

as the sole provider, ensures a stable financial situation for the individual,

mitigating the impact of parental separation. Miss Pink mentioned:

“Dili na kaayo kay si mama nalang may naga

hatag ug financial support sa ako, unya ako lang
man isa ba. Makaya-kaya lang sa akong mama ug
maghatag gud siya financial support sa ako.”

(It's not that much anymore because only my

mother provides financial support for me, and I'm
the only child. My mother can afford and
consistently provide financial support for me.)

The overseas employment of both parents serves as the primary

reason for financial support. Mr. Red specified:

“Nangita sila’g way nga unsaon ko nila pag-

sustained kay akoang both parents man na ko kay
OFW, abroad man na sila po.”

(They are looking for a way to sustain me; it's

because both of my parents are OFWs, and they
are abroad.)

Financial ease resulting from personal independence entails enjoying a

stable and secure financial condition due to self-sufficiency, financial

autonomy, and the valuable support of a nurturing mother. Mr. Beige pointed

out that:

“Dili na kaayo ko ga-struggle sa akong financial

kay kaya naman nako ma-handle akong sarili.
Kung naa man koy needs muduol lang ko kay
mama then mu-support dayun na siya sa akoa,
kung unsa pa man ang mga gastuhunon. So, dili
na jud kaayo ko nag lisod sa karun (Mr. Beige).”

45
 (I don't struggle much with my finances because I
can handle myself. If I have any needs, I just go to
my mother, and she will immediately support me,
no matter what the expenses are. So, I'm not really
struggling now.)

Parental Absence

According to the participants' accounts, one aspect that young adults

face after their parents' separation is the absence of a parent. The absence of

a parent is a challenge that young adults encounter after their parents

separate. The emotional health, growth, and social dynamics of these people

and their families have all been significantly impacted by this event.

Parental divorce has a negative impact on a person's mental health

and can cause emotional difficulties, anger, and rebellious behavior. Miss

Indigo pointed out that:

“Aside sa financial aspect sa akong kinabuhi

naapektuhan jud akong mental aspect, like mag
lisod ko’g manage sa akong emotion, dali rako
mairita and naka-try napud ko ug rebelde tungod
ana.”

(Aside from the financial aspect of my life, my

mental well-being has been greatly affected. I
struggle to manage my emotions, easily getting
irritated, and I have even tried rebellious behavior
because of it.)

Parents’ strained relationship creates an atmosphere of unhappiness

and disrupts the previously happy family dynamics, Mr. Magenta expressed

that:

“Karon kay oo syempre makaapekto gihapon siya

kay pagmuadto akong papa sa among balay kay
dili gud gatingog akong mama ug papa then
makaapekto siya sa ako kay dili na gyud pareha
sa una ba na happy gud ana.”

(Now, yes, of course, it still affects me because

when my dad comes to our house, my mom and
46
 dad don't talk to each other, and it affects me
because it's no longer like before when we were
happy.)

The lack of parental support during important milestones exacerbates

feelings of loneliness and navigating life's challenges alone, especially in

school-related gathering. Miss White indicated in the interview:

“Lack of parents’ support. Importante man jud na

‘no labaw na’g graduation unya like mu-attend sa
imohang recognition then walay present medyo
sakit jud siya sa buot emotionally kay ako lang jud.”

(Lack of parental support. It's really important, you

know, especially during significant events like
graduation or attending your recognition, and not
having them present can be quite emotionally
painful because you feel like you're going through
it all alone.)

Moreover, Miss Yellow pointed out that the absence of emotional

connection with the father figure further compounds the impact of parental

separation, leaving individuals feeling emotionally isolated and overlooked

despite being surrounded by others. Her original words:

“Feel na ko kay bukod sa financial kay naa ko sa

akong papa ba pero feel na ko kay wala gihapon
sila. Daghan tao nakapalibot sa ako pero feel na
ko wala gihapon sila ing-ana gud. Focus ra kaayo
sila sa ilang sarili wala na sila kabantay nga naa
pa diay silay anak.”

(I feel like aside from the financial aspect, I'm also

emotionally distant from my dad. I'm surrounded
by many people, but I still feel like they're not there.
They are too focused on themselves and they
don't realize that they still have a child.)

Shift in Relationship Dynamics

Another theme that arose from the interviews is the change in

relationship dynamics between young adults and their parents after their

parents' separation. The participants mentioned that the relationship between

47
their parents underwent a transformation as a result of the separation. The

core ideas and verbatim statements of this theme are shown below.

Miss White's strained relationship with her parents, fueled by her

mother's resentment towards her father and a long absence of interaction with

him, has resulted in a significant lack of closeness with both parents. Her

words:

“Ang sa side sa akong mother kay dili na jud mi

close since bata pa ko kay ana man akong nawng
daw kay naga-symbolize siya sa akong father so
hate jud daw kaayo niya akong nawng. Sa akong
father pud ten (10) years na mi wala nagkita
medyo taas na jud gap ang amoang kanang
closeness bitaw. Then karon kay dili na pud jud mi
totally close kay both sa ilaha naa na pud other
families.”

(On my mother's side, we haven't been close since

I was a child because she sees my face as a
symbol of my father, so she really hates seeing my
face. As for my father, we haven't seen each other
for ten (10) years, so there has been a significant
gap in our closeness. And now, we're not totally
close to either of them because they both have
their own families now.)

The lack of father's engagement and financial assistance brings about

a change in the relationship dynamics between him and his daughter. On this,

Miss Sky Blue mentioned:

“Dili na mi close sa akong papa, naka apekto jud

siya’g dako kay since akong mama nalang jud ga
provide samong financial.”

(I'm no longer close to my father, and it has greatly

affected me because my mother is the only one
providing for our financial needs.)

The parental separation has led to decreased communication and

connection between the individual's and mother. Miss Yellow pointed out that:

48
 “Sa akong mama kay wala na jud, wala na jud mi
nag-communicate or mas ninglayo na pud akong
loob sa iyaha.”

(With my mother, it's really over. We don't

communicate anymore, and I've distanced myself
emotionally from her.)

Likewise, Mr. Blue expressed that there has been a decline in

communication and connection between him and his mother's side of the

family, highlighting the impact of parental separation. He indicated that:

“Dili na kaayo kay lahi man gud sa una tong wala

pa nag-separate akong parents close mi sa side
sa akong mother then since nag-separate sila wala
na kaayo mi conversation sa side sa akong
mother.”

(It's not the same anymore because before, when

my parents were still together, I was close to my
mother's side. But since they separated, we don't
have much conversation or connection with my
mother's side anymore.)

Seeking Parents’ Love and Attention

Another theme that emerged from the participants' responses is the

pursuit of parental love and attention. Several participants expressed their

longing for affection, care, and attention from their parents, highlighting their

need for emotional support, validation, and nurturing relationships following

the separation.

Despite the challenges of dealing with parental separation, Young

adults experienced the difficulty of finding a reliable source of guidance and

comfort. On this, Miss Grey said that:

“Daghan pud ug challenge na naabot sa akong life

katung nagbulag akong mama ug papa, like if
being alone, wala ko kabalo asa ko mag-rely, asa
ko mukuha ug energy to fight every day.”

49
 (There were also many challenges that came into
my life when my mother and father separated,
such as feeling alone and not knowing where to
rely on or where to gather the energy to fight every
day.)

The lasting impact of growing up in a broken family drives young adults

to seek parental attention even in their current stage of life. Miss Grey pointed

that:

“Opo, samot na saamoa na bata pami naka-

experience ug broken family mag-seek mi ug
attention from our parents, nakaapekto siya hantud
karun nga young adult na especially ingani nga
pang edaron kay naa ka sa punto sa imong life
nga looking for attention.”

(Yes, especially for us who experienced growing

up in a broken family, we sought attention from our
parents. It continues to affect us even now as
young adults, especially during this stage of life
where you reach a point of seeking attention.)

Miss Sky Blue expressed that the longing for love and attention from

parents remains an inherent desire, especially during moments when one

craves to experience their affection. She shared:

“Kana bitaw need nimo ug attention ug love. Naay

times gusto nako ma-feel ang love sakong
ginikanan.”

(When you really need attention and love. There

are times when I want to feel the love from my
parents.)

The lasting effects of parental separation evoke jealousy and longing

for a complete and joyful family experience. Miss Green expressed that:

“Oo, maka-affect gihapon makasuya lang sa uban

ba kay what if buo pud akong pamilya? Ing-ana
pud seguro jud mi ka-happy ba.”

(Yes, it still affects me. I can't help but feel jealous

of others because I wonder, "What if my family

50
 was complete too?" Perhaps we would also
experience that kind of happiness.)

Coping Mechanisms of Young Adults Regarding Financial

Problems Caused by Parental Separation

The participants discussed their coping mechanisms in dealing with

challenges arising from parental separation as initiated here in Tagum City.

Upon analysis, the interviews generated four (4) themes: (1) diverse support

system, (2) balancing educational and financial concerns, (3) self-care and

personal growth, (4) adaptive financial strategies.

Table 2 presents the main ideas and major themes regarding the

coping mechanism of young adults concerning their financial issues from

parental separation.

Table 2

Major Themes and Core Ideas on How Young Adults Cope with Financial
Problems Caused by Parental Separation

Major Themes Core Ideas

Diverse Support System ● role of grandparents in

providing support
● sole reliance on single-parent
support
● reliance on family relatives
support
● friends as a source of support
● receiving financial support
from the government

Balancing Educational and ● prioritizing household

Financial Concerns expenses over school
expenses
● educational goals over
financial concerns
● supportive sibling amidst
academic and financial stress
51
 ● ignoring parental issues for
academic focus

Self-Care and Personal Growth ● self-support by maintaining a

positive mindset
● K-pop as stress-relieving
escape
● formulating a mindset of
acceptance towards the past
events
● focus on personal
prioritization

Adaptive Financial Strategies

● ability to contribute financially
through talent
● side hustle as source of
income
● limit expenses within a set
budget

Diverse Support System

Upon conducting a more in-depth analysis of the interviews, an

additional theme emerged, about having a range of individuals or resources

that provide assistance, guidance, and emotional support. Despite the

experiences faced by young adults, this theme emphasizes the significance of

seeking support from diverse sources, including family members, friends, and

others who can provide unique perspectives, experiences, and forms of

support.

The invaluable emotional and mental support provided by grandparents

was instrumental in helping young adults to navigate the challenges brought

about by parental separation. Miss White elaborated in the focus group

discussion interview that:

“Mostly nag-help gyud sa akoa na mag-cope kay

ang akong grandmother then siya jud mostly ang
52
 nakatabang sa ako emotional support then
mentally like kung mag-breakdown ko even though
dili nako i-share sa iyaha kabalo siya ngano.”

(Mostly, it was my grandmother who helped me

cope with the parental separation. She provided
me with emotional support and helped me mentally
when I would have breakdowns, even though I
wouldn't necessarily share everything with her
because she understood why.)

Grandfather as a source of inspiration and motivation, Miss Brown

shared:

“Pagbulag ni mama ug ni papa is didtoa jud mi

nagdako sa akoang lolo ug lola. Kang lolo man
gud mas gibuhos niya iyahang love. Hantod karon
bisag wala na akong lolo siya gihapon akong
inspiration why naga eskwela ko karon.”

(When my mother and father separated, I was

raised by my grandparents. My grandfather, in
particular, showered me with his love. Even until
now, even though my grandfather is no longer with
us, he continues to be my inspiration for pursuing
my education.)

The unwavering support and resilience displayed by father during

challenging times has been a constant source of strength and inspiration. Of

this Miss Purple imparted:

“Sa akoa kay ang akoang papa kay nakaya niya

ang mga paglisod gud, siya gyud ang nagtabang
sa ako ani kay sa gamay mi hangtod karon kay
wala jud siya ning give up.”

(For me, my father was able to handle the difficult

times, and he was the one who really helped us
when we were little. Until now, he has never given
up.)

Mother’s unwavering presence and consistent financial support, Miss

Black mentioned this in her statement:

“Sa akoa po sa financial is kay mama. Siya lang

po ang naa lang po sa amoang tapad permente,
53
 siya po ang naga-support sa akoa ug sa akoang
mga igsoon apil po.”

(For me in terms of financial support, it's my

mother. She is the only one who is always there
for us, supporting me and my siblings.)

The emotional support and comfort provided by cousins have a

profound impact on individuals, fostering resilience and well-being in times of

need. On this Miss Sky Blue stated out that:

“Ang nag help sa ako ug cope kay akong igagaw.

Kay ga help jud siya sa akoa kay mag-rant man ko
about ana sa akong parents, naa siya dira to
comfort me. Usahay pud ginatabang pud ko niya if
wala koy kwarta.”

(The one who helped me cope was my cousin.

They really helped me because I rant to them
about my parents, and they would be there to
comfort me. Sometimes, they also help me when I
don't have money.)

In the absence of familial support, individuals find solace in self-reliance and

turn to trusted friends for moral support. This is preserved by Mr. Beige in his

statement that:

“Naa pud time na gina-cheer nako akong sarili

kung mag-struggle ko sa mga nahitabo,
sometimes sad ginatabangan sad ko or gina-
comfort sad ko sa akong mga friend’s para
makalimtan ang mga family problems, this way
gina-enjoy sa nako akong day para makalimtan
tung past nga nahitabo.”

(There are also times when I cheer myself up

when I struggle with what has happened.
Sometimes, my friends also help and comfort me
to forget about family problems. This way, I can
enjoy my day and move on from the past events.)

Government support through the 4Ps program enhances well-being

and social-economic stability. This is what Miss Indigo stated:

54
 “Member man ko ug 4ps kami sa akong duha ka
igsoon, naa gyud mi suporta gikan sa government
(Miss Indigo).”

(I am a member of the 4Ps program, and my two

siblings and I receive support from the
government.)

Balancing Educational and Financial Concerns

The recurring theme observed during the analysis of interviews is the

act of juggling the challenges of both education and finances among young

adults. It is the ability of young adults to manage and navigate the competing

demands of academic pursuits and financial responsibilities after the

separation of their parents’.

On the core idea of prioritizing household expenses over school

expenses, Miss Sky Blue mentioned:

“Gina-prioritize nako ang gastuhunon sa balay

instead na mangayo ko ug pera para maka gasto
ko diri sa skwelahan, di nalang ko mangayo sa
akong lola ug lolo. Gatigum pud ko kay para if
ever kato maka help sa pag bayad sa skwelahan.”

(I prioritize spending on household needs instead

of asking for money to cover my school expenses.
Instead of seeking financial support from my
grandparents, I save up so that it can be used to
pay for school fees if needed)

Additionally, Miss Black emphasized that placing a high value on

education reduces the effects of financial hardships, showcasing a resolute

dedication to investing in academic endeavors. Her original word:

“Sa education po wala man kaayo siya naka-affect

po kay ginauna man gud po nako ang akong
education.”

(When it comes to education, financial problems

didn't have much of an impact because I prioritize
my education.)

55
 Similarly, on what Miss Black stated, Miss Indigo also said:

“Actually dili kaayo nako ginahuna-huna ang

separation sa akong parents pati ang financial
needs namo kay ga-focus ra jud ko sa education
na ko.”

(Actually, I don't give much thought to my parents'

separation or our financial needs because I am
completely focused on my studies.)

Through open communication and collaborative problem-solving, Miss

Brown together with her siblings effectively manage the stress arising from

both academic and financial concerns. This is what she said:

“Sa pag-balance, labi na’g sa stress sa

eskwelahan and sa financial, kami na mag igsoon
is open up man gud mi tanan, mag open forum mi
unsa pay mga laing problema ing-ana para
masolusyonan dayun siya.”

(In balancing stress from school and financial

matters, as siblings, we are open with each other,
conducting open forums to find solutions to our
problems.)

By consciously disregarding the impact of parents’ situation and

maintaining a focus on educational pursuits and personal goals, Mr. Beige

demonstrates a proactive approach to navigating challenges and explores

strategies for effective financial management. His statement is:

“Gina-ignore na lang nako ang nahitabo sa akong

parents aron maka-focus ko sa akong mga studies
and goals, ug karun i-solve sa nako unsaon nako
pag-manage sa akong financial.”

(I simply ignore what happened with my parents so

that I can focus on my studies and goals, and now
I am figuring out how to manage my finances.)

Self-Care and Personal Growth

One prevailing theme in the analysis of transcripts is embracing self-

care and personal growth, where participants emphasized the importance of

56
prioritizing their well-being and personal development. They acknowledge the

significance of self-care practices and actively participate in activities that

fostered their growth and nurtured their overall well-being.

Specifically, participants mentioned that overcoming the impact of

parental separation on education is just maintaining a positive mindset. Miss

Pink shared her thoughts about supporting herself in maintaining a positive

mindset:

“Naga-maintain na lang ko sa mindset nga positive

lang gani. Gina-balance na lang nako nga dili nako
pa-affect ang separation sa akong parents sa
akong education, gina-left behind na lang na ko
siya or dili na lang ko naga problema sa separation
nila. Gina pasagdan na lang na ko it is what it is
nalang jud ko permente.”

(I just maintain a positive mindset. I strive to

balance myself so that the separation of my
parents doesn't affect my education. I choose to
leave it behind and not let their separation bother
me. I simply let it be and accept it as it is.)

Participants expressed that after the separation of their parents, they

discover solace and respite in the realm of K-pop, offering a welcoming

diversion from personal trials. Highlighting this, Miss Sky Blue remarked:

“Gina-immerse nako akong self sa kpop para lang

ma-distract ko and naa koy kalipay. Little
distraction lang sa akong problema kay if di nako
na buhaton, di ko magsulod ana na hobbies or
kagustuhan kay feel nako mas ma-stress na
hinoon ko.”

(I immerse myself in K-pop just to distract myself

and find joy. It serves as a small distraction from
my problems because if I don’t engage in this
hobby or interest, I feel like I would be more
stressed.)

The journey of personal growth and understanding unfolds as the

individual matures, gradually embracing the notion that every life experience
57
holds a purpose and seeking to cultivate a sense of comprehension and

acceptance. That what was Miss Indigo stated:

“Samtang gadako man gud ko, akoa pud gina-try

ug pa-realize sa akong sarili nga ang tanan gyud
nahitabo nga naay rason and na-experience gyud
na ko na siya, mao to gi-try nalang na ko ug sabot.”

(As I grew up, I also tried to make myself realize

that everything that happened had a reason, and I
actually experienced it. So, I just tried to
understand it.)

Some participants remain unaffected by the situation, prioritizing

personal growth, goals, and career over dwelling on past events. Mr. Beige

statement reflected the following:

“Kailangan man nako mag-focus into other things

like sa akong sarili, sa akong goals, careers. Dili
na jud kaayo nako need mag-focus about ana nga
butang since nahitabo naman, naa man ta sa
realidad unsaon man nato.”

(For me, it doesn't really affect me much because I

need to focus on other things like myself, my goals,
and my career. I don't really need to concentrate
on that matter since it has already happened, we
are in reality now.)

Adaptive Financial Strategies

The final theme elicited from the interviews on this table is adaptive

financial strategies. Young adults who experience parental separation relayed

the need to adjust and modify one’s financial approach and decision-making

in response to changing circumstances and challenges. With the adoption of

young adults into the new arrangement of their family dynamics, they shared

some financial strategies that helped them adapt to financial constraints,

navigate economic fluctuations, and make the most effective use of available

resources to meet their needs and goals.

58
 Miss Brown iterated that the talent for singing among the siblings

becomes a significant source of income, with the older sister coaching and

working as a coach and studio secretary this self-driven initiative enables

them to make financial contributions despite the absence of parental support.

Her original word:

“Actually, kami na mag igsoon is naa mi talent

mag-sing. Kana siya is nag dungag sa amoa sa
financial. Karon naga-coach siya sa mga bata sa
sing and then ako naga-coach pud ko sa sing ug
nag-secretary pud ko sa studio. Kana is mas na
enhance ko, mas more nga makadagdag mi sa
financial bisan ug wala si mama ug papa. “

(Actually, my siblings and I have a talent for

singing. They have added to our finances,
especially my older sister who is a breadwinner.
Now, she coaches children in singing, while I also
coach and work as a secretary at the studio. This
has enhanced my skills and allows us to contribute
financially even though we don't have our mother
and father.)

Another participant established a reliable income stream, which has

become essential for maintaining financial stability after their parents’

separation. Miss Yellow specifically stated that:

“Nagatrabaho gyud ko if walay klase sabado’g

domingo usahay pud kay ginatawagan ko sa
akong tita nga magbantay sa iyahang anak. Mao
to makakwarta pud ko mao jud na ang akong
source of income karon nga nagbulag akong
mama ug papa.”

(I work regularly, even on Saturdays and Sundays

when there are no classes. Sometimes, my aunt
calls me to take care of her child. That's how I earn
money, which has become my source of income
since my parents separated.)

59
 The realization of the impact of parental separation prompted us to

adopt a savings mindset and maintain a strict budget for daily expenses to

ensure financial stability. That is what Miss Orange expressed:

“Pagbulag palang didto na ko dayun naka-realize

nga ing-ani diay, didto nagtigom-tigom na ko. Naay
ginahatag akong lola ug lolo or ante nako, gina
tigom nako permente, naa koy gina-set na budget
for everyday dili ko mu-go beyond 20 or 50 pesos.”

(When my parents separated, that's when I

realized things were like this. That's when I started
saving. My grandparents or aunt would give me
some money, and I would save it. I have a set
budget for everyday expenses, and I don't go
beyond it, not more than 20 or 50 pesos.)

On the other hand, Miss Orange places great importance on being

resourceful when making decisions. She consistently searches for cost-

effective alternatives and prioritizes affordability when managing budget,

thereby maximizing the efficient utilization of available resources. Her original

words:

“Sa akoa, ginatan-aw jud na ko asa pwede

maangay akong budget. Didto ko mu-go sa mas
cheaper kung asa na ko afford.”

(For me, I always look for ways to stretch my

budget. I go for more affordable options wherever I
can afford.)

Insights of Young Adults Regarding Financial Problems Caused by

Parental Separation

Table 3 displays the major themes and core ideas with the insights of

Young adults regarding their financial problems from parental separation. The

core ideas and verbatim statements are also presented.

60
 Specifically, these themes include the following: (1) independence and

self-reliance, (2) financial education and management, (3) positive mindset

approach, (4) shifting perspective on family.

Table 3

Major Themes and Core Ideas on Insights of Young Adults with

Financial Problems Caused by Parental Separation

Major Themes Core Ideas

Independence and self-reliance ● importance of maturity in

navigating life
● avoid over-reliance on
parents
● parental separation develops
independence
● pursue dreams
independently
● self-support by exploring
part-time jobs
● working hard to contribute to
family’s well-being
● financial independence
through entrepreneurship

● value of prioritizing needs

Financial Education and ● being practical in handling
Management expenses
● prudent spending and
financial discipline
● financial preparedness for
adulthood and family life
● prioritizing education for
future financial stability
● pursuing ABM for financial
management skills

● trust in God to navigate

through family difficulties
61
 ● focus on strengths over
weaknesses
● forget the past and embrace
Positive Mindset Approach
present
● financial hurdles are
temporary
● positive outlook on the
situation

● desire to avoid similar

Shifting Perspective on Family
experience
● couples separating due to
hastiness in relationships
● negative view on life due to
personal experiences
● shifting beliefs about the
concept of a complete family

Independence and Self-reliance

Further analysis of the interviews resulted in another theme about

being independent and self-reliant. Despite the challenges young adults

encounter after the separation of their parents, they take care of themselves

and meet their own needs without relying heavily on others.

Young adults must embrace self-discipline and maturity as they

navigate life after parental separation, taking responsibility for their own

journey. Specific to this insights, Miss Orange stressed:

“Ang mahatag nako na-advice is, dili isisi tanan sa

imong parents, since kay nagbulag naman imong
parents, naa paman pud sila pero, it’s either mag
asawa sila ug balik or magkapamilya. So, literally
ikaw nalang jud isa need nimo self-discipline ug
maturity.”

(The only advice I can give is not to blame

everything on your parents. Since your parents
have separated, they still have each other, but
62
 there's a possibility that they may remarry or start
their own families. So, literally, you're on your own.
You need self-discipline and maturity to navigate
through life.)

Another lesson learned from parental separation is to avoid relying

solely on parents and instead develop financial independence which Miss

Pink mentioned:

“Akong lesson lang about sa parental separation

ug sa financial, dili ka dapat mag salig ug dili ka
dapat maging dependent lang sa imohang parent’s
kay naa man jud instances nga mag-separate
tapos maapektohan imong financial status.”

(My lesson about parental separation and finances

is that you shouldn't rely on and be dependent
solely on your parents because there are
instances where they may separate and it can
affect your financial status.)

The experiences of growing up without relying on others teaches

individuals the value of independence and self-support. Miss White elaborated

in the focus group interview that:

“Ma-learn nimo nga ma-independent ka kay

nagdako ka nga wala kay ma-lean even though
nay nag-support sa imohang back pero dili always
naa, kasagaran jud is self-support so ikaw jud
permente ang strength sa imohang self na OK rani,
na makaya rani.”

(You can learn to be independent because you

grew up without relying on anyone even though
there was support at the back, but it's not always
there. Most of the time, self-support, so you are
the one who consistently strengthens yourself that
it’s okay, you can handle it.)

Miss White also iterated that despite the challenges of parental

separation, individuals can achieve their dreams by embracing inner strength

and determination, pursuing their aspirations independently, and holding onto

their dreams tightly. Her original words:

63
 “Akong ma-advice lang base sa akong experience
‘no kay kung naa kay pangarap jud is abta jud na,
as long as strong ka unya kaya nimo abton without
the help of your parents is kayanon nimo, kaya lagi
nimo na.”

(My advice, based on my experience, is that if you

have a dream, hold onto it tightly. As long as you
are strong and capable of pursuing it without the
help of your parents, you can achieve it. You can
definitely do it.)

Another participant accentured that to overcome the situation you

should be adopting a resilient mindset and taking charge of your own financial

management. Mr. Beige specifically indicated:

“Kung naka-deal mo ana na situation or nag-deal

jud mo anang situation karun, akong maingon lang
kay kung dili jud kaya mu-support imong parents,
mangita jud ka’g part time jobs, then I-manage
nimo imong financia.”

(I would say, keep fighting. However, if you have

already dealt with that situation or are currently
dealing with it, my advice is, if your parents are
unable to provide support, you should look for part-
time jobs and manage your finances.)

Through hard work and determination, an individual strives to support

their mother and business, eliminating the need for father's assistance. The

statement is more gleaned over by the statement of Miss Black below:

“Dapat kay maningkamot lang jud, tabangan lang

po nako akoang mama para mas mulago po
among business para dili na po mi mangayo ug
tabang sa amo papa.”

(Work hard, I will work hard and help my mother so

that our business can thrive and we won't have to
ask for assistance from our father.)

Starting a business becomes a viable solution when one or both

parents are unable to meet the needs, offering the opportunity to become self-

64
sufficient and address their own financial requirements. On this, Miss Sky

Blue pointed out that:

“Mag-start namo ug business kay naa jud isa

saimong parents na dili ka provide sa inyung
needs, like isa lang or in worst case scenario both
saimong parents dili maka provide sa inyung
needs, mas better na mag-start mo ug business.”

(You should start a business because one of your

parents cannot provide for your needs, either one
or in a worst case scenario, both of your parents
cannot meet your needs. It would be better to start
a business.)

Financial Education and Management

One recurring theme that emerged from the participants' discussions is

the significance of financial education and management. Several participants

emphasized the importance of allocating and utilizing financial resources

effectively, even in the context of parental separation. They highlighted the

need for acquiring knowledge, skills, and practical strategies to manage

personal or organizational finances. By adopting effective financial education

and management practices, individuals can enhance their financial well-being

and establish a more secure foundation for their future. The following key

points further illustrate this theme:

Moreover, Miss Black talked about the value of prioritizing needs over

wants in future emergency cases. She said:

“Na-realize din po na ko na mas unahon jud po

ang needs kaysa sa wants kay in case of
emergency, naa pud kay natago na kwarta po,mag
ipon in case of emergency naa kay magawas na
kwarta po.”

(I realized that it is more important to prioritize

needs over wants, especially in case of
emergencies. It is advisable to save money for
emergencies and unexpected expenses.)
65
 Also, Miss Pink emphasized that practicing practicality in managing

expenses and prioritizing needs over wants is essential for supporting and

meeting college expenses. Her words:

“Ang akoa na-learn ani kay to be practical about sa

mga gasto-gastohunon kay para makatabang
nalang pud sa akong mama tapos palabihon na
lang na ko akong needs kaysa sa wants labaw na
karon mag-college na mahal gyud kaayo tapos sa
pagkaon pa na ko.”

(What I've learned from this is to be practical about

expenses so that I can also help my mother. I
prioritize my needs over wants, especially now that
I'm entering college, which is quite expensive, and
I also have to consider my food expenses.)

Practicing effective money-saving and expense management is vital for

securing a stable future, Miss Orange expressed:

“Na-learn nako importante jud ang magtigom kay

kung dili ko kabalo magtigom sa akong kwarta or
mag-control, wala koy mapala. It’s either diko
makaadto og eskwelahan or magutom ko.”

(I have learned from my experience now that it is

important to save because if I don't know how to
save my money or control my expenses, I won't
have anything, I won't have anything to gain. It's
either I can't go to school or I'll go hungry.)

The participants maintained a mindset of frugality to avoid wasteful

spending and prioritize saving money. Miss Brown specified that:

“Gina padako jud mi na dili jud gina-waste ang

money pag abot sa walay mga pulos, if kailangan
na siya diha ko maggasto pero if dili siya need, dili
nako ginapalit. Gina-keep lang nako ang kwarta.”

(We were raised not to waste money on

unnecessary things. If it's something we need,
that's when I spend it, but if it's not necessary, I
don't buy it. I just keep the money.)

66
 Moreover, Miss Grey indicated that financial planning is effective prior

to starting a family and is crucial to navigate the challenges that arise in family

life. This is her words:

“Para jud sa akoa, importante jud ang financial

planning bago ka musulod ug mga family things,
kay lisod kaayu na wala kay idea kung unsa
kalisod ang family. Maybe mao pa na ang cause
nganong magbulag mo kay about sa financial
issues.”

(In my opinion, financial planning is really

important before entering into family matters
because it can be very challenging if you enter into
a family without having any idea of how difficult
family life can be. Maybe that's also the cause of
why some couples separate, due to financial
issues.)

Similarly, Miss Pink also mentioned that financial stability is a crucial

factor to consider before entering into commitments such as marriage, as it

can significantly impact the dynamics and longevity of a relationship. Her

words:

“Importante jud kay na-attach na sa akong mind na

dapat kung mag asawa man or unsa ba, dapat
financially stable na jud kay naa jud mga instances
nga ang financial jud ang maka guba gani sa isa
ka relasyon sa mga tao.”

(It is really important because in my mind, when it

comes to getting married or any similar
commitment, one should already be financially
stable because there are instances where financial
issues can damage a relationship between people.)

Prioritizing education and career development is essential as it equips

individuals with the means to set goals, plan for the future, and attain financial

stability, even in the event of a partner leaving. On this statement, Miss Brown

elaborated that:

67
 “Mas giuna na ko ang education kay bisan pa’g
naa kay trabaho maka-graduate ka, naa kay
trabaho mas maka–goal ka, bisan pag bya-an ka
sa imohang bana naa kay financial or stable ka.”

(I prioritize my education because if you have a job,

graduating and having a career you will be able to
set goals and plan for your future. Even if you are
left by your partner, you are financially stable.)

Studying ABM equips Miss Indigo with the skills to effectively manage

finances and avoid overspending. Her original words:

“Makaingon gyud ko nga importante jud kaayu ang

kabalo ka mu-manage sa imong kwarta mao gani
nag-ABM ko kay para maka-manage ko sa
amoang kwarta. Importante gyud kaayu siya kay
pag-once man gud dili nimo ma-manage imong
kwarta, like wala ka kabalo aha na sila maadto
naay tendency nga maka-overspend ka.”

(I can really say that it is very important to know

how to manage your money. That's why I took
ABM (Accountancy, Business, and Management)
so that I could manage our finances. It is really
important because if you don't know how to
manage your money properly, you might end up
overspending without knowing where it goes.)

Positive Mindset Approach

One prevailing theme in the analysis of transcripts is having a positive

mindset approach. Some participants indicated to other young adults who

experienced parental separation that they should adopt a positive and

optimistic outlook towards life’s challenges and circumstances.

Mr. Magenta iterated that despite the challenges of parental separation,

maintaining a resilient mindset and recognizing the presence of a higher

power can provide strength and comfort to individuals as they navigate

through life's trials. His original words:

68
 “Sa akoa kay laban lang sa kinabuhi ug akong
maingon kay bisan ug bulag imong ginikanan kay
naa gihapon ang ginoo na mubantay sa imoha.”

(For me, just keep fighting in life. All I can say is

that even if your parents are separated, the Lord is
still there, watching over you.)

Urging young adults who experienced parental separation to stay

hopeful and recognize their strengths to overcome challenges. Miss Brown

imparted that:

“Ang ma-advice na ko sa ilaha is dili sila mawad-

an ug pag-asa gani kay naa may plan, naa may
plan ang tanan. Ang very important jud is dili lang
siya mutan-aw sa iyahang weaknesses kundi
mutan-aw pud sa iyahang strength.”

(The advice I can give to them is not to lose hope

because there is a plan, there is always a plan.
What's really important is not just to focus on their
weaknesses but also to acknowledge their
strengths.)

However, by embracing the present and having self-belief, one can

overcome the impact of past experiences or the absence of parental support.

This is exemplified by Miss Purple below:

“Akong ma-advice ‘no kay ayaw i-look back

imohang mga past focus ka sa present. Be strong
and ayaw i-mind ang mga past nimo nga nahitabo
sa una just mind yourself nga kaya nimo abuton
tanan with or without parents.”

(My advice is, don't look back at your past, instead,

focus on the present. Be strong and don't mind the
things that happened in your past, just believe in
yourself that you can achieve everything, with or
without parents.)

Keep going despite a broken family situation, as financial issues can be

resolved with time and perseverance. Miss Grey mentioned that:

“Akong advice nga mahatag sa pareha sa akoa

nga naka experience ug broken family situation is
69
 that, go lang lang sa life. Even though maka
experience tag financial issues dili na siya
problema or issue nga hantod sa hantod nimo
dalhon, pwede nimo malutas, dili man karon, pero
maybe sa future makayahan na nimo.”

(My advice to those who have experienced a

broken family situation, like me, is to keep going in
life. Even though we may face financial issues, it's
not a problem or issue that will burden us forever.
It's something we can resolve, maybe not
immediately, but possibly in the future.)

Having a positive outlook on the situation offers solace, implying that

the parents’ separation might bring peace to other people surrounding you.

This is exemplified by Miss Indigo below:

“Everything happens for a reason”, mao gyud na

akong natun-an. Maybe mao jud ni ang rason ni
God nga nag-separate sila para maka-peace of
mind akoang mama.”

(Everything happens for a reason," and that's what

I truly learned. Maybe this is God's reason for
separating them so that my mother can find peace
of mind.)

Shifting Perspective on Family

After analyzing the interviews, a recurring theme emerged regarding

participants' shifting perspectives on the concept of family due to parental

separation. The experiences of young adults in navigating their parents'

separation have led to a transformation in how they perceive and understand

the meaning of family. This shift in perspective is a direct result of their

personal encounters and challenges related to parental separation.

On the core ideas of desire to avoid similar experience of their parents,

Miss Purple mentioned:

“Akong na-learned ani is dili nako i-experience

puhon kung ako man ang magkapamilya, ang na
experience nako karon kay kabalo jud ko sa ma-
70
 feel kung unsa ka lisod as a student, as a person
nga dili complete ang family.”

(What I have learned from this is that I don't want

to experience the same thing in the future, when I
have my own family, as I have already
experienced now, because I know how difficult it
feels as a student and as a person when the family
is not complete.)

Also, Miss Yellow highlighted the importance of avoiding rushed

connections and taking time to build meaningful relationships. Miss Yellow

commented that:

“Na-negative gyud siya kay mahuna hunaan nako

ba nga sila mama ug papa kay dali ra kayo
nagkaila mao nang dali ra pud sila nagbulag. Mao
nang dili gyud dapat madali-on.”

(It became negative because I'm starting to think

that my parents, Mama and Papa, got to know
each other so quickly, maybe that is why they got
separated quickly. That's why it really shouldn't be
rushed.)

Additionally, Miss Indigo expressed that her personal encounter with

parental separation has led to a shift in her perspective towards a more

negative outlook on life. This is her words:

“Nabag-o gyud akoang view sa world ato nga time

like makaingon ko nga dili gyud tanan laki kay
maayu ug intensyon ug responsible, kay akong
papa is spoiled siya kay kinamanghuran gud ug
naa may kaya before ang side sa akong papa.
Unya didto gyud ko nakaingon nga irresponsible
kaayu siya and dili ko gusto nga makakita ko ug
laki or maka-family ko nga parehas sa akong
papa.”

(My view of the world really changed during that

time. I realized that not all men have good
intentions and are responsible because my father,
in particular, is spoiled. He is the youngest and
came from a well-off side of the family. That's
when I concluded that he is irresponsible, and I

71
 don't want to see myself or my future family turn
out like my father.)

A participant expressed that parental separation changes beliefs about

family and occasionally triggers feelings of jealousy towards others. Miss Pink

specified that:

“Naay instances nga mubag-o gyud siya kay wala

na ko gatuo about sa family, wala na koy thoughts
about sa happy na family mulahi na gyud siya
(Miss Pink).”

(There are instances that it will really change

because I didn't really believe in having a family,
it's like I no longer have thoughts about a happy
family. It really changes, but sometimes I just feel
jealous of others.)

The analysis of codes and themes derived from the previous thematic

analysis serves the purpose of this research project effectively. It provides

clarity and highlights the actual words and verbatim statements gathered from

the in-depth interviews (IDI) and focus group discussions (FGD). This enables

the researcher to conduct a meticulous analysis and interpretation in the

subsequent section.

72
 Chapter 5

DISCUSSION

In this chapter, the study delves into the investigation carried out within

the phenomenological tradition. It examines the emerging themes that have

surfaced and their correspondence with existing literature. Additionally, it

examines the consequences of parental separation, proposes suggestions for

future research, and delivers concluding remarks.

Experiences of Young Adults Regarding Financial

Problems Caused by Parental Separation

Upon reviewing the feedback provided by the participants regarding the

experiences of young adults with separated parents, several key themes

surfaced. These themes encompassed: (1) financial hardship, (2) stable

financial despite separation, (3) parental absence, (4) shift in relationship

dynamics, (5) seeking parent’s love and attention.

Financial hardship

Young adults who have gone through parental separation face financial

challenges following their parents' separation. When parents separate, it often

has significant financial implications for the entire family, including young

adults. It was difficult for the young adults in this scenario to meet their

financial obligations, maintain their desired level of life, and pay for essential

expenses. According to the participants, these financial difficulties led to

higher stress levels as well as difficulty meeting fundamental necessities and

financial goals.

Children in Australia who experience the divorce or separation of their

parents during childhood accumulate 46% less net wealth on average

compared to those whose parents stay together (Lersch & Baxter, 2020). This
 can be attributed to various factors such as reduced economic

resources for the family and less consistent parenting, which can disrupt

education. Additionally, a recent study found that families with separated

parents tend to provide less financial and emotional support to their adult

children, except when it comes to material support for mothers where no

significant difference was observed between children from separated and

intact families (Manzoni & Vidal, 2023).

According to a study conducted by Chauke and Obadire in 2019,

economic hardship was found to be a significant challenge for the majority of

the participants. This financial difficulty negatively affected their academic

performance, with many facing obstacles such as being unable to afford

school trips, proper uniforms, or balanced meals due to poverty. On the other

hand, It is commonly believed that younger children experience more trauma

and distress from their parent's separation, while adolescents are seen as

more resilient. However, this assumption is incorrect, as adolescents also

encounter hardships as a result of divorce, despite their increasing

independence during their teenage years (D’Onofrio & Emery, 2019).

Stable financial despite separation

Despite experiencing parental separation, some young adults reported

remarkable stability in their financial lives. This stability was attributed to

several factors, such as having a consistent source of support from a single

parent, being the only child in the family, the mother working abroad and

sending financial support, or both separated parents continuing to provide

financial assistance. These circumstances played a significant role in ensuring

that these young adults had a relatively stable financial situation, mitigating

74
the potential challenges that often arise from parental separation.

There are various interpretations of financial stability, but many of them

share the idea that it refers to the absence of widespread instances where the

financial system ceases to operate effectively (crises). Additionally, financial

stability involves the ability of financial systems to withstand and recover from

stressful conditions (Gleißner et al., 2022). Based on our research findings,

we have discovered that there are young adults who do not encounter

financial difficulties for various reasons. Financial stability of both parents

indicates that if both parents have stable and satisfactory incomes, they have

the ability to offer financial assistance to their young adult children even after

going through a separation (Stack & Meredith, 2019).

In addition, young adults whose parents undergo a separation might

qualify for educational scholarships, grants, or financial aid, which can lessen

the financial strain they experience. Moreover, some young adults may have

achieved financial independence through their personal employment or

savings, reducing their dependence on parental assistance (Johnson, 2019).

These factors collectively contribute to the potential absence of financial

challenges for young adults whose parents have separated.

Parental absence

The presence of a parent is crucial throughout a child's life, even during

their transition into young adulthood. When a parent is absent, it creates a

significant void that deeply impacts the emotional well-being, personal growth,

and overall dynamics of a young adult's life (Mao et al., 2020). This absence

may result in emptiness, a lack of direction, and a sense of loss. Beyond the

short-term separation phase, its impacts continue to affect the young adult's

75
relationships, self-worth, and sense of identity as a whole. Recognizing the

importance of parental involvement and presence is crucial since parents

continue to mold and impact young people's lives during this crucial stage of

their development.

According to a research study entitled Consequences of Divorce-

Based Father Absence During Childhood for Young Adult Well-Being and

Romantic Relationships, it is stated here that young adults who experienced

partial or complete father absence showed distinct psychological differences

compared to those in the control group (Reuven-Krispin et al., 2020). The

partial father-absence group reported higher psychopathology, maternal

overprotection, and lower maternal care, romantic intimacy, commitment, and

passion. The complete father-absence group reported higher self-criticism

and maternal overprotection, as well as lower maternal care. Additionally, the

partial father-absence group reported lower dyadic adjustment and a less

consolidated sense of identity when maternal care was high.

Another study found that living in households without mothers was

associated with poorer test scores and more depressive symptoms among

adolescents. In contrast, living in households without fathers did not

consistently show negative outcomes. The differences in child development

between mother-absent and father-absent households were partially

explained by variations in parenting practices (Xu et al., 2019).

Shift in relationship dynamics

Young adults have experienced a shift in the relationship between

them and their parents as a result of the separation. According to the

participants these significant changes resulted in reduced communication and

76
financial support, and the prolonged absence of one or both parents has

further impacted the parent-child relationship.

The literature indicates a variety of factors that contribute to adolescent

well-being: among these, the parent–adolescent relationship has a key role

(Tafà et al., 2022). Following parental separation, the relationship dynamics

between young adults and their parents undergo a shift. Factors such as

changes in living arrangements, altered communication patterns, emotional

challenges, and adjustments in parental roles contribute to these changes

(Byansi et al., 2022). Czyżowska and Gurba (2022) found that a supportive

home environment is associated with children experiencing feelings of love,

importance, and affirmation. This type of environment is crucial for

adolescents to develop a sense of purpose and meaning in life, which is

reflected in their sense of belonging at school, engagement in community

service, willingness to contribute, and application of personal character

strengths.

Seeking parents’ love and attention

Young adults whose parents are separated expressed a deep yearning

for emotional support, validation, and nurturing relationships with their parents.

They longed for moments of affection, understanding, and quality time

together. This includes handling finances, creating a budget, getting help if

needed, and making calculated choices to make sure they can continue their

education and fulfill their financial obligations. To maintain stability in both

parts of their lives, it takes careful preparation, organization, and the capacity

to adjust to changing situations.

77
 People today have a bigger responsibility for managing their personal

finances over the course of their lives. The separation of parents can disrupt

the family dynamic, leaving young adults longing for reassurance and care

from their parents (Thomas et al., 2020). Children require nurturing and

protection to facilitate their growth, well-being, and safeguard them from harm,

including physical and sexual abuse (Timasheva, 2018). Recent research

indicates that different aspects of parenting, including warmth, empathy,

encouragement, and overall parental involvement, have a positive correlation

with the well-being of adolescents. However, in the context of parental divorce,

parental alienation can create an unfavorable environment that disrupts

adolescents' ability to adapt and thrive in their daily lives (Wanjao, J. N.,

Njoroge, M. W., & Kamau, E. 2023).

Coping Mechanisms of Young Adults Regarding Financial Problems

Caused by Parental Separation

The participants discussed their coping mechanisms in dealing with

challenges arising from parental separation as initiated here in Tagum City.

Upon analysis, the interviews generated four (4) themes: (1) diverse support

system, (2) balancing educational and financial concerns, (3) self-care and

personal growth, and (4) adaptive financial strategies.

Diverse support system

This theme expressed the need for support beyond the immediate

family. Young adults recognized that seeking help from various sources can

be beneficial as it offers different perspectives, experiences, and forms of

support. This includes turning to family members who may provide a sense of

belonging and understanding, friends who offer empathy and companionship,

and other individuals or resources that can offer guidance and assistance.
78
This theme emphasizes the importance of diverse support networks for young

adults facing parental separation. It highlights the need to seek assistance

from multiple sources to gain different perspectives and forms of support.

Different people have different ideas about what a family is. While

some individuals strongly believe that having both a father and mother in a

family is essential for a child's well-being and happiness, others prioritize the

quality of time spent with family members rather than the quantity of time

spent together in a day (Utami, 2023). According to (Van Gasse &

Mortelmans, 2020) families are flexible systems that undergo transformations

and adjust in response to crises and changes. Research examining children

of divorced parents has highlighted the importance of social support in their

adjustment and overall well-being (Sorek, 2020). Lower anxiety, fewer

negative thoughts about divorce, and fewer behavioral and social issues were

all seen in children who reported higher levels of social support.

Additionally, several research has demonstrated that social support

functions as a mediator between parental conflict and outcomes related to

children's well-being. These results offer more information and are pertinent to

the current investigation. For instance, (Marcus, 2019) found a positive

correlation between children's perceived overall social support and their life

satisfaction, even in the face of challenging life circumstances.

Balancing educational and financial concerns

The concept of juggling education and finances among young adults

refers to their ability to effectively manage and balance the demands of their

academic pursuits while also handling their financial responsibilities in the

aftermath of their parent's separation. It involves finding a way to prioritize

79
their education while also addressing their financial needs and obligations.

This include handling finances, creating a budget, getting help if needed, and

making calculated choices to make sure they can continue their education

and fulfill their financial obligations. To maintain stability in both parts of their

lives, it takes careful preparation, organization, and the capacity to adjust to

changing situations.

People today have a bigger responsibility for managing their personal

finances over the course of their lives. Factors such as increasing life

expectancies and pressures on pension and social welfare systems contribute

to this shift (Lusardi, 2019). The decisions individuals and families make

during their postsecondary education journey play a crucial role in shaping

their financial future. These decisions encompass selecting the right institution

and degree, effectively managing finances during studies, planning for the

completion of education, and effectively managing student debt after

graduation (Torres-Soto et al., 2022). Balancing education and financial

concerns is crucial for young adults experiencing parental separation as it

sets them on a path towards financial stability, provides stability and focus

during challenging times, fosters independence and self-reliance, and

establishes a strong foundation for their future (LeBaron et al., 2020).

Self-care and personal growth

Young adults who prioritize their well-being and actively partake in

activities that advance their personal development are said to be embracing

self-care and personal growth. It entails making conscious efforts to look after

one's physical, mental, and emotional needs. Young adults are aware that

80
taking care of their wellbeing is essential to overcoming the obstacles they

encounter, especially in the setting of parental separation.

Students who study social work regularly engage in intensive learning

activities that may be harmful to their physical and mental health as well as

their ability to conduct social work. Globally, social work curriculum is

increasingly including mindfulness practices to address these issues. The

integration of mindfulness aims to promote student self-care, while also

enhancing essential social work practice skills and values (Maddock et al.,

2021). Young adults who face financial instability as a result of their parents'

separation have the chance to improve their sense of connection and alleviate

social isolation and loneliness by engaging in meaningful discussions and

adopting self-care practices (Stack & Meredith, 2019). Humans need close

connections because they give them opportunities for self-control, a sense of

security, innovative problem-solving, and overall fulfillment. When these

connections are lacking or disrupted, individuals may experience a loss of

these essential elements, impacting their well-being and overall quality of life

(Jordan, 2023).

Adaptive financial strategies

During the experience of parental separation, young adults

emphasized the significance of modifying financial approaches and decision-

making processes to align with the evolving dynamics of family situations.

Young adults acknowledged the necessity of adjusting their strategies to cope

with the financial constraints that arose from the separation. Additionally, they

highlighted the importance of navigating through economic fluctuations and

81
understanding that financial stability could be affected by various external

factors.

Financial literacy is essential for individuals to prevent financial

difficulties, as individuals frequently encounter situations where they must

make trade-offs and prioritize certain interests over others (Weixiang et al.,

2022). By having a strong understanding of financial concepts and skills,

individuals can make informed decisions and effectively manage their

finances, reducing the likelihood of facing financial problems (Al-Shehhi et al.,

2019). To improve financial literacy and manage finances effectively, young

adults practice budgeting, stay informed, engage in financial discussions, set

clear goals, regularly assess progress, and make mindful decisions. These

strategies promote financial well-being and help avoid impulsive behaviors

(Birkenmaier & Fu, 2020).

Insights of Young Adults Regarding Financial

Problems Caused by Parental Separation

Emergent themes were extracted by analyzing the interviews on the

insights of Young adults regarding their financial problems from parental

separation. The core ideas and verbatim statements are also presented.

Specifically, these themes include the following: (1) independence and self-

reliance, (2) financial education and management, (3) positive mindset

approach, and (4) shifting perspective on family.

Independence and self-reliance

Even in the face of parental separation, young adults exhibit resilience

and self-sufficiency as they prioritize their well-being and take charge of

meeting their own needs. Embrace independence and self-reliance, refusing

to rely heavily on others for support. Instead, actively seek ways to navigate
82
the challenges they encounter, finding strength within themselves to

overcome obstacles and grow personally.

Even as children experience adversity, they can become resilient

adults, in large part due to their social support as emerging adults (Leung et

al., 2020). Resilience is the capacity and degree to which one can withstand

the negative effects of adversity and recover from adversity to return to an

acceptable state, despite experiencing psychopathology (Sisto et al., 2019).

Research on resilience suggests that the capacity to recover from challenges

is not solely influenced by personality traits or cognitive flexibility, although

these factors do play a role in an individual's ability to adapt (Cohen et al.,

2019). Despite experiencing financial instability as a result of their parent's

separation, certain young adults manage to navigate this situation by

embracing independence and self-reliance. These individuals find ways to

cope with the challenges they face, taking responsibility for their financial well-

being and seeking opportunities to become self-sufficient.

Financial education and management

Financial education and management are the abilities and strategies

that young adults acquire to manage their personal or organizational finances

effectively. It includes gaining knowledge to make informed financial decisions

and take charge of their financial well-being. Financial management

encompasses skills such as budgeting, tracking expenses, optimizing income

and expenditures, and making prudent financial choices aligned with one's

goals and priorities. Through financial education and management, young

adults can enhance their financial literacy and confidently navigate their

financial journey after their parent's separation.

83
 In contemporary times, individuals have greater personal financial

responsibilities compared to previous generations (Lusardi, 2019). The

importance of financial skills has increased, resulting in wage disparities

between individuals with higher education levels, such as a college degree,

and those with lower levels of education. Financial education and

management are crucial for young adults experiencing financial instability due

to parental separation (Mortelmans, 2020). By acquiring financial knowledge

and skills, they can gain control over their financial situation, achieve stability,

plan for their future, cope with transitions, and ultimately break the cycle of

financial instability (Goyal & Kumar, 2020).

Positive mindset approach

In the face of parental separation, young adults need to cultivate an

optimistic mindset when confronting life's trials and situations. This mindset

encourages them to maintain a hopeful perspective, focusing on opportunities

for growth and personal development, rather than dwelling on the difficulties

caused by the separation. By adopting a positive outlook, young adults can

navigate challenges more effectively, fostering resilience and adaptability.

Contemporary society requires individuals who possess the ability to

continuously grow and develop throughout their entire lifespan (Sisto et al.,

2019). A positive mindset approach involves adopting a mental perspective

that emphasizes optimism, resilience, and a proactive attitude. It entails

developing positive thoughts, beliefs, and attitudes to effectively handle

challenges, surpass obstacles, and attain personal growth and success (Skali,

2022). Young adults who have undergone parental separation have the

opportunity to cultivate a positive mindset, particularly a financial positive

84
mindset, which plays a vital role in effectively navigating and conquering the

financial hurdles they may face. By adopting a positive mindset, they can

overcome obstacles, make wise financial decisions, and work towards

achieving long-term financial well-being (Sabri et al., 2020).

Shifting perspective on family

The experiences of parental separation can spark a significant shift in

young adults' perspectives on the concept of family. Through their journeys

navigating their parents' separation, they can undergo a profound

transformation in how they perceive and comprehend the meaning of family.

This shift in perspective stems directly from the personal encounters and

challenges they have faced as a result of their parent's separation. It

encompasses a broad range of emotions, reflections, and realizations that

have reshaped their understanding of what family means to them. The

process of navigating the complexities of parental separation has given these

young adults a unique vantage point from which they now view the dynamics,

roles, and significance of family in their lives.

The shifting perspective on family resulting from parental separation

involves young adults redefining their understanding of family, adjusting roles

and dynamics, and developing a broader comprehension of different family

structures. This shift is essential for the emotional well-being of young adults

experiencing financial instability due to parental separation (Clark, 2020). By

embracing these changes, they can adapt and cope with challenges, moving

beyond traditional notions of a "broken" family and embracing diversity and

resilience (Leung et al., 2020).

85
Implications of the study

The results and findings of this study have delved into the experiences,

coping mechanisms, and insights of Young adults in their financial problems

from parental separation. Young adults have experienced challenges as

parental separation had a toll on their development. On this note, plausible

implications of this study are drawn. Firstly, it highlights the need to raise

awareness about these challenges and provide support systems to address

the unique financial circumstances faced by young adults from separated

families. Secondly, there is a clear need for financial education and planning

resources specifically tailored to this population, equipping them with the

necessary knowledge and skills to effectively manage their finances and

make informed decisions.

Legal and policy considerations should also take into account the

financial implications of parental separation while recognizing the importance

of emotional and mental health support alongside financial assistance

programs. Long-term financial planning for both parents and young adults

should be encouraged to ensure stability and responsible decision-making.

The study suggests future research directions, such as examining the long-

term effects of financial challenges on young adults' educational and career

trajectories, exploring the role of extended family networks in providing

financial support and evaluating the effectiveness of interventions aimed at

addressing financial problems after parental separation.

By considering these implications, policymakers, practitioners, and

researchers can develop targeted strategies to alleviate financial struggles

86
and improve the overall well-being of young adults affected by parental

separation.

Recommendations for Future Researchers

The objective of this research was successfully achieved by gaining a

comprehensive understanding of the experiences, coping strategies, and

perspectives of young adults who have faced parental separation along with

financial challenges. The study findings demonstrate that the identified

themes related to this phenomenon adequately addressed the research

inquiry.

However, it is important to note that this research should not be

regarded as the definitive answer to all inquiries on the topic. Instead, there is

a need for additional investigations to fully comprehend the experiences of

young adults facing financial difficulties due to parental separation. As

researchers, we acknowledge that the results obtained from this study are not

universal generalizations but rather descriptions specific to the particular

context in which the study was conducted.

We propose that further research should involve a larger number of

participants and employ a mixed methods study design. This approach will

provide more comprehensive and significant information to contribute to the

existing knowledge in this area. Additionally, it would be valuable to explore

this inquiry in different contexts to determine if similar findings emerge. Future

researchers may also choose to investigate this topic with different focuses,

scopes, and specialized areas of study.

87
Concluding Remarks

As a result of parental separation, our study provides insight into the

experiences of young adults who face financial insecurity. We have looked at

some of the difficulties they face managing their money during this time of

transition. It is clear that when parents’ divorce, it affects the children's

emotional health as well as the course of their lives as a whole. However, our

findings also highlight how resourceful and tenacious these young adults were

in overcoming their financial difficulties.

It is critical to recognize the value of offering young adults in this

scenario support and direction. We may design specialized interventions and

programs that help them overcome financial obstacles, improve their financial

literacy, and advance their general well-being by comprehending their

particular experiences and requirements. Additionally, supporting healthy

coping mechanisms, encouraging a growth mindset, and stressing the value

of self-care and self-reliance will greatly help these young adults on their path

to financial stability and personal development.

88
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 APPENDIX A

Informed Consent

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 APPENDIX B

Validation Form

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 INTERVIEW GUIDE VALIDATION FORM

Title of the Study : A Phenomenological Approach Into The Experiences of

Young Adults Whose Parents are Separated
Researchers : Avril Leigh Cahanap, Abegail Landanganon, Niña
Bridget Manasan, Leo Angelo Cajes
Date : July 2023

To: Arnick T. Tampoy

Good day!

In connection with our requirement for the Practical Research 1, we

would like to ask you to evaluate our research guide questionnaire to assure
its validity in relation to the purpose of the study. Attached herewith are the
relevant parts of the Chapter I in our study. Three areas will be examined
namely Introduction Key Components, Questions, and Closing Key
Components. The question items must be evaluated according to its clarity,
suitability, and ability to elicit personal narratives, comments, opinions, and
insights from the participants. Please check the corresponding rating and
write the necessary remarks.

Thank you so much! God bless you.

SECTIONS ITEMS EVALUATIONS

YES NO REMARKS

1.Is there an opening

statement expressing
gratitude to the research
participant for his/her
willingness to participate
in the study?
2. Does this section of
the questionnaire reveal
the name of the
researcher (i.e. the
researcher introducing
himself/herself)
3. Is the purpose
explicitly stated?

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 4. Is the duration of the
session clearly
stipulated?

5. Is there a statement
assuring the research
participant of the
Introduction Key confidentiality of his/her
Components response?
6. Does this section
explain how the in-depth
interview or focus group
discussion be
conducted?
7. Does this section
include a statement
assuring the research
proceeding to intended
activity?
8. Does this section
provide spaces for the
signature of the research
participant?

9. Does it require a
witness sign?

10. Does this section the

need for a legal guardian
to sign as in the case of a
research participant
under 18 years of age?
11. Are there no more
than 15 questions(i.e. no
more than 3 research
questions with no more
than 3 research
questions with no more
than 5 probing questions
each)?
12. Are factual questions
asked first before the
probing question?

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 13. Are there questions
requiring the participant
to describe his/her
experiences?

14.Are there questions

Questions requiring the participant
to explain the meaning of
his/her shared
experiences?
15.Are the vocabulary
level and language
structure of the questions
appropriate to the age
and capability of the
research participant?
16. Are the questions
clear and
understandable?

17. Do the questions

process the ability to elicit
qualitative data relevant
to the attainment of the
objectives of the study?
18.Does this section
guarantee the participant
of his/her chance to give
additional comments?

19. Does the section

inform the research
participant of the
researcher's plan
Closing Key regarding the data being
Components collected, its analysis,
and the corresponding
report and what the
researcher would do
next?
20. Does this section of
the questionnaire express
gratitude to the research
participant?

127
 ARNICK T. TAMPOY
Validator’s Signature Over Printed Name

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APPENDIX C

Transcription

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 In-depth Interview Transcript

Name of Interviewer : Abegail Landanganon

Date : June 9,2023
Name of Interviewee : Miss Indigo

Interviewer: Good morning po

Miss Indigo: Good morning
Interviewer: Kamusta man po ta te, karon?
Miss Indigo: Wala koy matubag kay murag stress ra kay ko
Interviewer: So, ready na po ba ta na mainterview po, karon po?
Miss Indigo: Yeah
Interviewer: Kami po na mga researcher kay gusto po namo matubag ang
question na experiences po sa young adults regarding financial problems
caused by parental separation. So, naa po bay point sa imong life po na
naga-struggle ka financially because of your parents’ separation po?
Miss Indigo: Naa pero dili kaayo siya ingon na struggle na. Like wala gyud mi
ma kuan nga finances para sa among everyday na panginahanglan, naa lay
uban times na for example, naga eskwela man gyud ko and samtang
gaeskwela ko is daghan man mi’g amotan they are times gyud nga like dugay
ko makaamot kay lagi akong parents man gud kay akong mama lang
gasupport sa amoa while akoang papa is murag mas OK iingon nga
giambandona mi niya. Wala siya gahatag sa amoa ug support financially,
morally or mentally wala jud siya ana.
Interviewer: So, imong papa po wala po ga-support sa inyoha then nagpuyo
ka karon sa imong mama po?
Miss Indigo: Sa side sa akong mama sa akong lola kay akoang mama is
nag-abroad man sya ba para masurpotahan niya among needs
Interviewer: So, aside po ba sa having financial problems po, unsa po ba ang
lain challenges na imong na encounter after your parents separated po?
Miss Indigo: Pag-separate sa akong mama is kato nga time wala gyud ko
kabalo na separated sila then akoa nalang gi-assume nga katong time nga
namalhin mi diri kay sa una nagpuyo man mi sa farm ba katong namalhin mi
diri sa city kay didto jud nako na-assume nga basin kato nga time nag bulag
na gyud sila then na hibal-an na ko is like 10 years old na ko, then kato nga
time is, ako man gud ang type na person nga hilomon nga akong mga
problema nako kay ako rang gina-solo, mao na apektuhan gyud aside sa
financial aspect sa akong kinabuhi naapketuhan jud akong mental aspect, like
maglisod ko’g manage sa akong emotion, dali rako mairita and naka-try
napud ko ug rebelde tungod ana.
Interviewer: So, how was your relationship with your parents po ba changed
since their separation and how has this affected your financial support? Like
katong pagbulag saimong parents nagbag-o po ba ang relationship ninyo sa
ilaha ug naka-affect bani sa pag-support nila sa imoha financially?
Miss Indigo: Sa side sakong mama walay nagbag-o kay close man ko sa
akong mama gyud pero mas close ko sa akong papa, katung nagbulag sila is
naglahi man mi ug balay. Akong papa is dili na kaayu nako siya makit-an kay
dili napud siya gabisita sa amoa, katu nga time is didto nausab ang
relationship namo kay nag-start ko’g ka distant sa iyaha, like pagmubisita ko

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sa iyaha dili na kaayu ko gatabi sa iyaha unlike before galambing man gyud
ko sa iyaha, karun wala na. Dawat na nako na nagbag-o jud ang tanan sukad
nagbulag sila.
Interviewer: So did your experience po ba of parental separation during
childhood still affect you until now po?
Miss Indigo: Dili na kaayu kay samtang ga dako man gud ko is akoa pud
gina-try ug pa-realize sa akong sarili nga ang tanan gyud nahitabo nga naay
rason and na-experience gyud nako na siya, mao to gi-try nalang nako ug
sabot nga nagbulag sila tungod ana pero wa’ gud ko kabalo unsa gyud tinuod
nga rason, ako nalang girasonan akong sarili para madawat nako.
Interviewer: So ang next po na gusto namo matubag is how young adults
cope after the separation of their parents. So, mga what kind of support po ba
or resources na imong na-access po as a child or young adult to help you
influence your financial outcomes po?
Miss Indigo: Katung nagpuyo ko sa farm, member man ko ug 4ps, kami sa
akong duha ka igsoon, so naa gyud mi suporta gikan sa government, but
katung nagbulag akong mama ug papa, kay akong mama is wala na siya ga-
focus sa among 4ps. So, gi-take over siya sa akoang papa, katu nga time is
ang mga makuha niya nga financial aid gikan sa government is dili niya
ginagasto sa amoa, sa iyaha niya ginagasto, and katu nga time is
naapektuhan gyud amoang financial nga panginahanglan namo.
Interviewer: So who or what helped you cope of having to grow up with
separated parents? And in what way did they/it help you po?
Miss Indigo: Firstly, ang maingon nako kay akoang self ra gyud pero naa
man pud akong family, like gina-guide pud ko nila, ginapasabot sad nila sa
akoa nganong naay mga ingana,so nakatabang pud to sa pag-cope and
above all is akong self gyud kay dili man gud kaayo ko gadawat ug rason
gikan sa uban, so kinahanglan jud nako masabtan ang rason, kung dili man
kay ginarasonan pud nako akoang self para makasabot pud ko.
Interviewer: So how did you balance the financial stresses of your parents’
separation with other aspect of your life po pareha anang relationship,
education and career po?
Miss Indigo: Actually dili kaayo nako ginahuna-huna ang separation sa
akong parents pati ang financial needs namo kay ang income sa akong mama
kay gina-budget na namo daan ba. So, wala na kaayo ko’y problema ana, sa
education sad kay ga-focus ra jud ko sa education nako, if before is hilig
kaayu ko mag-cutting tungod ana, like half sa akong school year tung grade 5
ko kay ga-cutting gyud ko, unya katung time nga na-realize nako nga dili gyud
to siya maayu nag-focus gyud ko sa akong education, since grade 7 is
gisanay gyud nako akoang self nga makakuha ug grades nga makarga sa
honors.
Interviewer: So, next po na gusto namo matubag is the insights of young
adults have gained from their experience of parental separation. So, can you
share po ba some specific insights po na imong nakuha saimong experience
po about anang financial problems caused by your parents’ separation po?
Miss Indigo: Firstly gyud ang pinaka importante na akong natun-an during
ato nga time, sikat man gyud na nga saying na “everything happens for a
reason”, mao gyud na akong natun-an, katung time na wala gyud ko kabalo
nga nagbulag sila is parehas gyud kong nasuko sailang duha, na-feel nako
nga wala diay mi nila huna-hunaa, tapos katung time na nag-start ko ug ka

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mature didto nako na realize nga dugay na diay ga antos akong mama
sakong papa so, much better diay nga magbulag sila, and before akong gina-
wish kay God nga magbalik sila kay usahay naa man gud times na makasuya
ang uban classmate before kay samot na kanang naay mga meeting-meeting,
party-party unya kompleto ilang family, mao to gina-wish jud nako nga
makompleto mi, pero katung time na na-realize nako nga dugay na kaayo
naga-antos akong mama is didto na gyud ko ga-stop ug ingon nga mabuo mi
kay kabalo ko pagmabuo mi is mubalik napud sa dati, mag antos napud
akong mama, so much better nga mao ni ang nahitabo, maybe mao jud ni
ang rason ni God nga nag-separate sila para makakuan ug peace of mind
akoang mama.
Interviewer: So, how was your experience po ba anang parental separation
nakapabag-o sa panan-aw sa imong kinabuhi ug unsa pud nga lesson imong
na-learn about anang imong experience po?
Miss Indigo: Nabag-o gyud akoang view sa world ato nga time like halos
tanan siguro nga laki kay ingana, then before man gud is, kita nga bata nu
kay pag naay mag inom kay makaingon ta nga “hala ka cool ana”, unya ako
nga bata ato nga time is naka ingon ko nga ka-cool diay ana uy, tapos katung
na-experience na nako siya, like nakainom naman ko ug nakasigarilyo nako
before, so katung na-experience na nako siya maka-addict gyud siya pero
maygani wala nako gidayon, unya pagma-addict biya ka sa usa ka butang is
dugay kaayo siya mawala, and mao toy nahitabo sa akoang papa, na-addict
siya sa iyang bisyo. Didto gyud naguba akong view sa world, makaingon ko
nga dili gyud tanan laki kay maayu ug intensyon ug responsible, kay kato man
gud akong papa is spoiled kay siya kay kinamanghuran gud ug naa may kaya
before ang side sa akong papa, unya didto gyud ko nakaingon nga
irresponsible kaayu siya and dili ko gusto nga makakita ko ug laki or maka-
family ko nga parehas sa akong papa.
Interviewer: So in what ways po ba naka-shape sa imohang perspective
kung unsa ka important ang financial education and planning, especially in the
context of separation or divorce?
Miss Indigo: Makaingon gyud ko nga importante jud kaayu ang kabalo ka
mu-manage sa imong kwarta, pero sa akoang situation, akoang lola ang ga-
manage sa amoang kwarta pero mao gani nag ABM ko kay para maka-
manage ko sa amoang kwarta kay tiguwang na pud biya akong lola.
Importante gyud kaayu siya kay pag-once man gud dili nimo ma-manage
imong kwarta, like wala ka kabalo aha na sila maadto naay tendency nga
maka-overspend ka, unya kay ginatudluan gyud mi sa akoang lola, sa akong
mga tita, tito ug akong mama nga magtigom gyud, mao to nakakuan mi ug
account sa COOP. Nag-start gyud mi ug tigom kay dili nako gusto maka-
experience atong time nga like nasobraan gyud mi ug ka pobre, nga naay
times nga dili nami makakaon three times a day. Nakaingon gyud ko nga
importante kaayu nga naa gyud mi savings kay para in times of emergency,
naa mi kuhaan ug kwarta.
Interviewer: So, last question na po ni, looking back on you experience, what
advice po ang pwede nimo mahatag sa ubang young adults na who maybe
dealing with financial issues because of parental separation?
Miss Indigo: Akong ma-advice ra gyud is dili sa unahon ang emotion, kabalo
ko lisod kaayu nga imohang parents, kay naa man gud uban gina-look up nila
ilang parents, dili nila ipagtigbabaw ilahang feelings ba, like masuko sila sa

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ilang mama or papa kay nagbulag sila, dapat ilaha sad huna-hunaon ang
likod atong ilang pagbulag unsay rason, basin dako diay kaayu kung
magpadayon pa tu siya kay dili lang ikaw ang maapektuhan kundi tibuok na
pamilya nimo, so dapat sabton gyud niya ang duha ka point of view, and
iyahang, magtuon pud ug financial management kay lisod man gud kaayu if
separated imong parents unya ikaw gastador paka, unsaon pag-manage sa
imong kwarta.
Interviewer: So, mao rana po inyong ma-advice sa ilaha?
Miss Indigo: Mao rajud and mag-believe jud sila kay God kay si God lang jud
ang naay control sa tanan.
Interviewer: Thank you po, salamat po sa cooperation po.
Miss Indigo: Your welcome, unta maka tabang.

Abegail Landanganon
Researcher

133
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh J. Cahanap

Date : June 17,2023
Name of Interviewee : Mr. Beige

Interviewer: Good morning, kamusta naman ka po?

Mr. Beige: OK raman
Interviewer: Aw goods, so OK ra po mag-start ta ug interview po?
Mr. Beige: OK
Interviewer: So, kami mga researchers ang gusto namo matubag na
pangutana is what are the experiences of young adults regarding financial
problem caused by parental separation. So, naa bay point sa imong kinabuhi
nga nag-struggle ka financially tungod sa pagbulag sa imong parents?
Mr. Beige: Since that time nag-separate akong parents katong 8 years old ko,
naa juy time nga nag-struggle ko financially. Syempre that time wala akong
father like gi-abandona mi so naglisod jud mi kay akoa ramang mother ang
naa para mag-support sa akoa, then naa puy time nga ibilin ko sa akong
mother sa balay sa akong lola kay since bata paman ko di paman nako kaya
ma-handle akong sarili so, maglisod jud ko.
Interviewer: Kanang naa bay point sa imong life specific nga nag-struggle ka
financially?
Mr. Beige: That time katung wala pa ka abroad akong mama, naa jud time
nga maglisod ko financially like sa school, mga kailangan nga school supplies,
naa pud usahay mga daily needs namo ma-short mi sa kwarta, like kailangan
pa jud ni mama mangita ug other jobs kay since minimum ra man iyang
sweldo ato nga time kay wala pa man siya ka graduate sa iyang course, so
doble jud kaayo ang kayod ni mama para sa amoa, so then mao rato siya.
Interviewer: OK po, next question po is, how has your experience growing up
in a household where your parents were separated impacted your karun nga
financial situation nimo, and what specific challenges have you faced as a
young adult?
Mr Beige: So katung bulag na akong parents syempre naglisod jud mi unya
sige rag trabaho akong mama, pero karun nga nakahuman man si mama ug
skwela, dili na kaayo ko ga-struggle sa akong financial since kay kaya naman
nako ma-handle akong sarili, nagpasalig naman si mama na ako ra isa
magpuyo sa among balay then si mama mutrabaho lang pud siya, so kung
naa man koy needs muduol lang ko saiyaha then mu-support dayun na siya
sa akoa, kung unsa paman ang mga gastuhunon, so dili na jud kaayu ko
naglisod sa karun.
Interviewer: So, next question is aside from having financial problem, what
other challenge you encountered after your parents separated?
Mr. Beige: Syempre since nag-separate man akong parents nakasulay ko ug
mingawon sa akong father, kay natural raman sa isa ka anak nga mag-need
ug parents nga mag-support sa imoha financially man or emotionally, then
naa pud time like event sa school like family day or mga meeting meeting na
need nimo i-gather imong mga parents pero unsaon naman nga wala naman
sila, separate naman sila, so wala jud tay mabuhat, imong mother busy kaayu,

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imong father wala ka kabalo nga asa unya dili ka ka-communicate sa iya
since murag gi-block imong number, so wala jud tay mabuhat ana.
Interviewer: So naa ka poy emotional problems po?
Mr. Beige: Naa puy like naa koy makit-another families nga enjoy kaayu sila
sa ilang life, unya ako wala nalang jud koy mabuhat, mag-envy nalang jud ko
sa ila since nganong happy kaayu sila, nganong lucky kaayo sila kay in-ana
ilang family, miskan unsaon nimo’g paningkamot igo ra jud ka mag-wish nga
unta mahitabo sad na sa imoha, mao ra to.
Interviewer: So did your experience of parental separation during childhood
still affect you until now? How so?
Mr. Beige: Para sa akoa, dili na kaayo siya ga-affect sa akoa kay kailangan
man nako mag-focus into other things like sa akong sarili, sa akong goals,
careers. Dili na jud kaayo nako need mag-focus about ana nga butang kay
maskin unsaon man nako ug huna huna ana nga butang, wala najud koy
mabuhat kay since nahitabo naman, naa man ta sa realidad unsaon man nato.
Interviewer: So wala na nimo gina-mind?
Mr. Beige: Wala na nako siya gina-mind like gina-ignore na lang nako.
Interviewer: OK po so, how has your relationship with your parents changed
since your parents’ separation and how has this affected your financial
support po?
Mr. Beige: Since nag-separate naman akong parents dili na kaayo mi-close
sa akong father but naa pud time nga maka-communicate mi pero in a way
like ako pay mismo mu-approach or adto sa ilang balay. Magtigom ko
para ako ang mismo muadto aron maka-communicate lang ko sa iyaha pero
naa pud time nga muadto ko unya atikon ko sa kauban sa akong father na
wala lagi daw busy, so akong effort kay ma-waste.
Interviewer: Sa imong mother, close ka po sa imong mother?
Mr. Beige: Close kaayu mi sa akong mother sa maskin asa man nga aspect.
Interviewer: Sa imong father, dili na kaayo mo close pero naga-support siya
saimo financially?
Mr. Beige: That time katung 4 years ago, ningbalik siya ug support sa ako
hinay hinay pero last year naa may tragedy nahitabo mao to siya pero karun
impossible na jud siya nga mahitabo.
Interviewer: OK po, ang next na gusto namo mga researchers mahibal-an is
how do young adults cope. So unsa pud nga supporta or resources did you
have access to as a child or young adult to help you influence your financial
outcome?
Mr. Beige: Aside sa akong mother nga ga-support sa akoa, naa man pud
akong mga relatives nga ga-support sa akoa financially, maong dili kaayo ko
maglisod sa akong mga gastuhonon or mga daily needs.
Interviewer: So sailaha ka po mo ano-
Mr. Beige: Oo, like sa akoang older brother, muduol jud ko saiya like need
kaayo nako’g kwarta labi nag since busy si mama dili siya maka-reply sa ako
kay busy man siya saiyang duty, so kang kuya ko muduol.
Interviewer: So next po is, who or what helped you cope with the difficulties
of having to grow up with separated parents and in what way did they or it
helped you po?
Mr. Beige: Naa pud time na gina-cheer nako akong sarili kung mag-struggle
ko sa mga nahitabo, sometimes sad ginatabangan sad ko or gina-comfort sad

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ko sa akong mga friend’s para makalimtan ang mga family problems, this way
gina-enjoy sa nako akong day para makalimtan tung past nga nahitabo.
Interviewer: So imo, self-support ug friends support?
Mr. Beige: Yes, mao man pud ang reason nganong dili kaayo ko stress sa
mga financial, sa mga trabahuon.
Interviewer: Next question is how do you balance the financial stresses from
your parents’ separation from other aspects of your life such as relationships,
education and career goals?
Mr. Beige: Naa pud fact na gina-ignore nalang nako ang nahitabo sa akong
parents’ aron maka-focus ko sa akong mga studies and goals, ug karun i-
solve sa nako unsaon nako pag-manage sa akong financial.
Interviewer: So next po is what are the insights of young adults have gained
from their experience of financial problems caused by parental separation. So,
pwede ba nimo ma-share ang mga specific insights or mga na-learn nimo
from your experience of financial problems caused by parental separation po?
Mr. Beige: Ang na-gain nako sa akong experience or na-learn about financial
problems kay dapat kabalo jud ka unsaon pag manage sa imong kwarta, kung
unsaon nimo paggasto, dapat kabalo ka mutipid, or dapat mangita kag other
way nga dili mag salig sa imong parents aron dili jud ka maglisod sa mga
gastuhonon.
Interviewer: So mao na imong na-learn po?
Mr. Beige: For me, mao ra akong na-learn.
Interviewer: Next is how has your experience of dealing financial problems
caused by your parents’ separation shaped your outlook on life, giunsa pag
pabag-o sa imong experience ang imohang outlook or perspective sa life?
Mr. Beige: Para sa akoa wala gihapon siya nausab since pareha raman ta
tao pero lahi lahi man ta ug dagan sa kinabuhi, so pareha ra gihapon akong
panan-aw like same ra gihapon, pero naa puy time nga magselos jud ko sa
ilaha kay complete man sila unya kami kay igo rami mag-wish, kutob ra sa
wish na makauban namo amoang parents pero since nag separate na sila
wala natay mabuhat.
Interviewer: So next question po is, in what ways has changed your
perspective on the importance of financial education and planning especially
in the context of separation or divorce?
Mr. Beige: About sa importance sa financial education and planning, since
wala pa kay plano about anang magpamilya, dapat magplano sa jud ka daan
na magtigom ka, like magbuhat ka’g mga bank accounts, like mga Coop,
need jud kaayo nimo magtigom, tapos magplano ka unsa imong buhaton kay
just in case nga pamilyado naka dili na kaayo ka maglisod sa financial, so
mao to kailangan nimo magtigom aron dili lang pud sa imoha mahitabo ana
kay since naa man pud uban gud na isa sa reason nganong mag-separate
ang parents kay tungod sa financial like sige sila’g lalis nganong daghan
kaayo’g bayrunon ana.
Interviewer: Next question po is, how has your experience influence your
understanding of the impact of divorce or separation on family finances and
stability? Giunsa pag bag-o sa imohang understanding sa impact sa divorce
sainyuhang financial stability po?
Mr. Beige: Before wala pa nag-separate akong parents’ kay OK ra jud kaayu
mi, tanan gusto nako kay mahatag sa akong mga parents like sa school, OK
ra, sa mga daily needs namo, OK ra pero after that since nag-separate sila

136
naglisod jud mi sa akong mother, kato pa jud nga time na bata pa kay ko ato
like wala pa jud koy mabuhat ato. Karun for now, since naa namay tarong nga
trabaho akong mama ug karun kaya naman nako ma-handle akong self dili na
jud kaayo ko maglisod sa financial, pero dili gihapon kaayu siya stable. Grabe
pud kaayo ang impact sa pagbulag sa akong mama ug sa akong papa kay
lisod jud kaayu ug need jud biya nimo ang family nu.
Interviewer: OK po, so last question po, looking back on your experience
unsay advice ang imong mahatag to other young adults who maybe dealing
with financial issues stemming from parental separation po?
Mr. Beige: Akong maingon lang kay laban lang, pero kung naka-deal mo ana
na situation or nag-deal jud mo anang situation karun, akong maingon lang
kay need jud nimo ug mangitag support, kung dili jud kaya mu-support imong
parents, mangita jud kag part time jobs, then I-manage nimo imong financial.
Then, sa time nga magbuhat naka’g family dapat kailangan jud nimo mag-
prepare anang financial.
Interviewer: Dapat financially stable?
Mr. Beige: Yes dapat maging financially stable ka bago ka musulod anang
butanga.
Interviewer: OK po, so mao ra po tu no, thank you kaayo sa cooperation.
Mr. Beige: Thank you pud sa opportunity nga I-interview ani nga study.

Avril Leigh J. Cahanap

Researcher

137
 In-depth Interview Transcript

Name of Interviewer : Abegail Landanganon

Date : June 8, 2023
Name of Interviewee : Miss Pink

Interviewer: Hi po, good morning. Kamusta man po ta ‘te?

Miss Pink: OK ra man stress pero okay lang.
Interviewer: OK ra po, ready na po ba nga mainterviewhon mo karon?
Miss Pink: Yes OK
Interviewer: OK, first question po na mo is naa po bay point sa inyong life na
nag-struggle ka financially because of your parent’s separation po?
Miss Pink: Yes bag-o pa lang gyud nagsugod, nag-separate sila kay nag-
struggle gyud ‘mi ato financially pero pag-abroad sa akong mama kay na OK
OK na pud siya, nga si mama na lang naga-support financially sa amoa.
Interviewer: Karon po na young adult na ka po, still po ba ga problema
gihapon ka anang financially?
Miss Pink: Dili na kaayo kay si mama na lang may naga hatag ug financial
support sa ako, unya ako lang man isa ba. So, makaya-kaya lang sa akong
mama ug maghatag gud siya financial support sa ako.
Interviewer: Aside po ba sa financial problems unsa pa man po ang laing
challenges na na-encounter nimo after sa parent’s separated or separation?
Miss Pink: Pareha sa school naay meeting wala koy madala nga parents’ kay
wala man koy parents. Tapos, usahay kay ang akong guardian nga
nagbantay sa akoa kay wala pud kay naga trabaho pud siya ba. So, wala jud
koy maduolan nga parents kung ing-ani ing-ana pareha aning karon
graduating na ko wala poy mu-escourt sa ako kay wala man koy parents’ kay
akong mama nasa abroad, akong papa kay naa na sa iyahang laing pamilya.
Interviewer: And, what about sa imong papa po, naga-support po ba dya pun
siya?
Miss Pink: Wala na pero naga hatag siya pagmangayo ko.
Interviewer: Ah OK
Miss Pink: Mangayo ko muhatag siya pero usahay dili kaayo ko naga
pangayo sa iyaha kay naa naman pud gud siya laing pamilya ba, ana po.
Interviewer: So, did your experience of parental separation po ba during
childhood still affect you until now po?
Miss Pink: Usahay, pareha anang kaning inga-ana gani mga meeting kay
maka affect jud siya sa ako pero usahay ginabaliwala na lang na ko. Wala
naman koy mahimo so gina pasagdan nalang nako siya.
Interviewer: What kind of support po ba or mga resources na imong nakuha
po or access katong child or karon na young adults na ka naka-influenced po
sa imoha sa financial outcomes po?
Miss Pink: Wala, wala man besides sa akong mama lang, akong mama lang
jud naga-support sa ako.
Interviewer: Who or what help you cope with the difficulties of having to grow
up with separated parents po? And, in what way did they or it help you?
Miss Pink: To me, akoa lang sarili ug friends pud kay kuntahay maglisod na
ko, kuntahay mag-overthink na ko mga about sa parents’ kay muduol lang ko
sa ila pero dili ko naga ingon sa ilaha kay murag ginakimkim lang nako ba kay

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gina-ano lang na ko akong utok na ing-ani ing-ana dapat musabot nalang kay
nabuhat naman wala na koy mahimo. So, mao ra to akong sarili lang jud unya
naga kuha lang ko’g moral support sa akong mga amigo,
Interviewer: Friends
Miss Pink: Friends tapos sa akong mama pud.
Interviewer: OK po. So, giunsa pud ninyo pag-balance ang financial stresses
of your parents’ separation po with your aspects of life such as relationships,
education, and career goals po?
Miss Pink: Balance unsa man, naga-maintain nalang ko sa mindset nga
postive lang gani. Gina-balance nalang na ko nga dili na ko gina pa-affect ang
separates sa akong parents sa akong education,
Interviewer: Acads
Miss Pink: Yes, sa friends pud na ko dili nalang na ko siya murag gina-left
behind nalang gani na ko siya or dili nalang ko naga problema nga wala na or
sa separation nila, murag madaot man gud akong mindset kung akoa pa
siyang palabihon ba. So, gina pasagdan nalang na ko, unya kung unsa
nalang na it is what it is nalang jud ko permente.
Interviewer: OK po. Can you share some specific insights you gained from
your experience of financial problems caused by your parents’ separation po?
Miss Pink: Insights unsa man?
Interviewer: Like, mga lessons na na-learned?
Miss Pink: Lesson na pwede I-share, akong lesson lang about sa parental
separation ug sa financial dili ka dapat mag salig, dili ka dapat maging
dependent lang sa imohang parents’ kay naa man jud instances nga mag-
separate tapos maapektohan imong financial status. Ang akoa nalang ma-
learn ani kay ma-learned ko’g to be practical about sa mga gasto-gastohunon
kay para makatabang nalang pud sa akong mama tapos palabihon nalang na
ko akong needs kaysa sa wants kay maglisod man pud gud akong mama kay
maskin pag ako nalang isa kay mag daghan pud baya na siya’g about sa, sa
school labaw na karon mag-college na mahal gyud kaayo tapos sa pagkaon
pa na ko kung unsa akong mga gusto pud, mao lang to.
Interviewer: So, napa bag-o po ba ang perspective nimo po sa panan-aw sa
imong life after anang parental separation po?
Miss Pink: Yes, naay instances nga mubag-o gyud siya kay pareha dati dili
na kaayo ko nagatuo na gud anang about sa family family. Maglisod na gud
ko sa pag pareha anan kung kumpleto inyong pamilya kay maglisod na ko’g
like ginahuna-huna na nako nga ay basig kani sila nga family kay naa pud ni
silay kanang,
Interviewer: Problem
Miss Pink: O, problem murag dili na ko wala na koy thoughts about sa happy
na family, mulahi na gyud siya pero usahay pud masuya nalang pud ko sa
uban pero okay ra man pud kay murag gitanom nalang pud nako sa akoang
sarili ba nga, nabuhat naman unsa man akong makuan. So, pasagdan nalang
na ko.
Interviewer: So looking back to your experience po, what advice would you
give to other young adults who maybe dealing with financial issues po
stemming from parental separation?
Miss Pink: Ako lang ma-advice guro kay mag-work hard kay para
makatabang, kuntahay sa mama or sa papa, makatabang siya sa ilaha unya

139
ano nalang jud be practical and don’t sigeg gasto gasto gani sa mga bagay
nga dili man need or dili man nimo needed jud.
Interviewer: So in what ways has your experience shaped your perspective
on the importance of financial education and planning po especially in the
context of parental separation or divorce?
Miss Pink: Like unsa?
Interviewer: Like, paano na-shape imong perspective sa unsa ka-importance
sa financial po, financial education and planning.
Miss Pink: Importante jud kay ang sa akong huna huna, ang financial needed
jud siya, naa man guy pareha sa perspective aning sa akong mama ug papa,
nagbulag man gud sila kay akong mama ni-abroad kay wala lagi mi financial
ug unya akong papa wala kay siya’y trabaho gani mangita pa siya’g lain, unya
mao to nag-drift apart mi tungod sa in ana gani nga rason, mao ng na-attach
na sa akong mind na dapat kung mag, kuntahay mag asawa man or unsa ba,
dapat financially stable na jud kay naa jud mga instances nga ang financial
jud ang maka guba gani sa isa ka relasyon sa mga tao, ana.
Interviewer: Thank you po.
Miss Pink: Thank you.
Interviewer: Thank you po sa cooperation.
Miss Pink: Sige, sige.

Abegail Landanganon
Researcher

140
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh Cahanap

Date : June 09, 2023
Name of Interviewee : Miss Brown

Interviewer: Good morning po. Kamusta naman po?

Miss Brown: Good morning, totally fine.
Interviewer: Totally fine. Sige po, okay na po ba mag-start ta’g questionpo?
Miss Brown: OK, game.
Interviewer: Kaming mga researchers ang gusto namo like matubag nga
pangutana is what are the experiences of young adults regarding financial
problems caused by parental separation? So, naa bay point sa imohang life
nga naka-experience ka ug financial problem tungod atong nagbulag imong
parents?
Miss Brown: Yes, naka-experience ko ana since bata pa ko and then actually
‘tong wala pa nag-separate ang akoang mama ug papa is spoiled jud kaayo
mi. So, naa mi yaya, in other term katabang. So, mapalit ang amoang gusto
and then. Then next ‘tong nag-separate si mama ug si papa. So, didtoa ang
financial ning boom.
Interviewer: So, katong bata pa ka unsa po imohang experience of growing
up in a household were your parents are separated? Giunsa siya pag-impact
sa imohang current financial situation karon po?
Miss Brown: Labi na sa graduating na pud ko karon. So, mas ning actually
ning-matured man ang akoang self. Mas nagproblema gihapon ko karon
bisan ug duha na gani ang mag-support sa akoa sa akoang financial but wala
didto akoang papa. So, ang akoa lang magtabang is akong mama but akoang
mama man gud kay naa siyay family. So, bisan pag duha sila mag-support
maglisod gihapon ko ug
Interviewer: Reach out?
Miss Brown: Oum
Interviewer: OK po. So, aside from having financial problems unsa pay lain
problema nga na-faced or na-encounter nimo tungod atong pagbulag sa
imong parents po?
Miss Brown: Yes mao na jud na ang pinaka, pag-separate man gud ni mama
ug ni papa dili mi dali gud maapi. So, pag-separate ni mama ug ni papa is
didto na ang akoang nagka-anxiety ko. Una depress next is anxiety and then
murag gani tan-aw sa mga tao sa akoa is ginamaliit nalang ko ba kay tungod
kay wala na siyay mama ug papa unya mao nang nag-faced ko karon sa
bullying.
Interviewer: OK po. So, how has your relationship with your parents changed
since their separation and unya giunsa pud ni pagapekto sa imohang financial
support po?
Miss Brown: Actually karon close jud kaayo mi sa akoang papa then dili man
gud kaayo mi close sa akoang mama kay two months’ nag-abroad na si
mama, pagka-five na ko ninguli na si mama. So, wala ko kaila sa iyaha ug
mama ba na ko siya and then si papa murag ang tinagdanay nalang namo is
mura gani’g friend nalang, casual friend pero si papa wala jud siya nag-
support bisag gamay.

141
Interviewer: OK po. So, did your experience of parental separation during
childhood still affect you until now?
Miss Brown: Sometimes, maapektohan gihapon ko labi na sa wala kay
maingnan sa imohang problem. Mao jud na pinaka una is diba sa tanan, sa
tanang problems sa imoha diba bisan pag naa kay friend or best friend dinhaa
pero ang una baya jud ang mu kana ganing maminaw or dili kanang OA-han
sa imoha bisan pag mag-reach out ka sa iyaha or unsa ang family gyud
gihapon.
Interviewer: Moving on po, diri ta sa how do young adults cope. So, unsa nga
supporta or mga resources nga naka access ka katong bata paka or karun
young adults naka to help you influence your financial outcomes po?
Miss Brown: Actually, kami na mag igsoon is naa mi talent to mag-sing.
Kana siya is nagdungag siya sa amoa sa financial labi na akong ate is brand
winner siya, karon is naga-couch siya sa mga bata sa sing and then ako is
naga-couch pud ko sa sing and nag-secretary pud ko sa studio. So, kana is
mas nag-enhance ko mas more nga makadagdag mi sa financial bisan wala
mi mama’g papa.
Interviewer: Ah OK po. So, who or what helped you cope up with the
difficulties of having to grow up with separated parents? And in what way did
they or it help you? Like, kinsa nakatabang nimo makaya or maka-cope atong
pagbulag sa imong parents?
Miss Brown: Pagbulag ni mama ug ni papa is didtoa jud mi nagpuyo ay
nagdako sa akoang lolo ug lola. Which is akoang lolo wala gud siyay
permanent works. Ang trabaho sa akong lolo is nagatambal siya sa mga sakit
ing-ana labi na sa mga pasmo ing-ana. Kana siya nga way is mas ay pero
wala nagkulang si lolo nga naa mi mama or wala mi mama ug papa kanang
kulag na mi support. So, mas kang lolo man gud mas gibuhos man gud niya
iyahang,
Interviewer: Love
Miss Brown: Iyahang love.
Interviewer: So, siya nakatabang sa imo cope up po?
Miss Brown: Oo, and then sa kanang maka-inspired. Hantod karon bisag
wala na akong lolo siya gihapon akong inspiration why kanang naga eskwela
ko karon.
Interviewer: So, how do you balance the financial stresses of your parents’
separation with other aspects of your life, such as relationship, education, and
career goals?
Miss Brown: Nagpuyo man ko sa akong lolo ‘no? Diba naa man jud mga
estorya ang mga tigulang. So, hantod karon is since birth ko walay uyab and
then naga-focus ko karon sa...
Inteviewer: Sa inyong education studies?
Miss Brown: O, education studies kay sa amoa man gud mag igsoon is ang
amoa jud goal is mu-graduate sa mi bago mi musulod sa ing-ana nga
relationship and also pag-balance sa, labi na’g sa stress sa eskwelahan and
sa financial. Kami na mag igsoon is open up man gud mi tanan, mag open
forum mi unsa pay mga laing problema ing-ana para masolusyonan dayun
siya.
Interviewer: Ah OK po. So, move on na ta sa mga insights na na-gained
nimo po. So, can you share some specific insights or lessons nga na-learned

142
nimo from your experience of financial problem caused by parental separation
po?
Miss Brown: Ang ma-learned na ko sa pag-separate sa akong family.
Actually dili jud siya sayon, dili jud siya sayon nga wala kay mama ug papa sa
imong kiliran labi na’g maingnan nimo problem mao jud nang pinaka una jud
na, second is financial and then ang na-learned na ko didto ay kay ‘no kay.
Actually, sometimes makaingon ko sa kang lord kana ganing like ang uban
parents magtinarong pero ilang anak is dili. So, ang anak ang magtarong ang
parents ang dili. Diha ko naka-learned nga dili muhatag ug problem si god ug
dili nimo kaya. Mao na akoang na-learned.
Interviewer: So, how has your experience of dealing with financial problem
caused by your parent separation shaped your outlook on life? And what
lesson have you learned from that experience?
Miss Brown: Actually, gina padako jud mi na dili jud gina-waste ang money
pag abot sa walay mga pulos na mga butang and then sa amoa nga mag
igsoon ug sa akoa is naga gasto lang ko’g kwarta if kailangan na siya pero if
dili siya need dili na ko ginapalit. So, gina-keep lang na ko ang kwarta maong
usahay pag naa nay baryunon dili na ko mangayo sa akoang nag-support sa
akoa, mabayran na ko siya.
Interviewer: Next question po is how has your experience influenced your
understanding about the impact of divorce or separation on family finances
and stability?
Miss Brown: Dako jud siya’g impact labi na’g ang family is mag-divorce,
mag-separate kay nay uban anak bisan asa na mag,
Interviewer: Mag-stay?
Miss Brown: Mali ang landas and then bisan kami ug wala gihapon, wala mi
nagdako sa akong mama ug papa kay nag-divorce sila. So, naa gihapon mi
sa right pathway nga nadak-an jud mi nga na’y respect and then labi na sa
number one (1) jud ang pageskwela ing-ana murag daghan mi natun-an ba
pagabot sa akoang lolo. Wala man siya nag kulang sa amoa padako. So,
daghan mi natun-an.
Interviewer: In what way was your experienced shaped your perspective on
the importance of financial education and planning, especially in the context of
separation or divorce? Diba nagbulag man po imong parents po? Katong
experience ninyo giunsa siya pagbag-o sa imong huna-huna about sa unsa
diay kaimportante ang financial education and planning?
Miss Brown: Pagabot sa ing-ana nagbulag man ang akong mama and papa.
So, naa lang jud na sa mga tao if kana ganing mag-matured sila, mu-faced
sila sa reality and in that way importante jud ang financial education and
planning kay sa akoa man gud nga perspective kay that’s why karon NBSB ko,
gina-mind na ko sa akoang self nga naa man gud koy trust issues about sa
akong papa nga naa nay family. So, ma-faced na ko siya sa akoang self ba
na if maguyab uyab ko ing-ani gihapon. So, mas giuna na ko ang education
kay bisan pa’g naa kay trabaho maka-graduate ka naa kay trabaho mas
maka–goal ka tapos plano nimo sa imong kinabuhi. Bisan pag bya-an ka sa
imohang bana naa kay financial.
Interviewer: Stable ka?
Miss Brown: O, stable imong financial. Actually maglisod gud ka pero dili
totally ba nga wala kay piso, dili ka magsalig sa imohang bana.

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Interviewer: OK po. So, last question po. Looking back on your experience,
unsay advice nimo ang imohang mahatag sa other young adults nga who may
be dealing with financial issues gikan sa parental separation po?
Miss Brown: Ang akoang ma-advice sa mga labi na sa nagproblema sa
financial
Interviewer: Financial problem
Miss Brown: O, financial problem is mag-set sila sa ilahang self nga para
man gud sa akoa kay actually wala man gud na ko na kabalo nga singer diay
ko. So, didto lang na ko nagamit siya nga need na gani siya wala ko kabalo
nga naa diay koy talent ing-ana. So, nay other way nga sa isa katao nga wala
sa akoa. Like for example, sa akoa naa koy talent pero wala koy sports,
dinhaa sila mangita’g labi na sa job?
Interviewer: Hmm
Miss Brown: O, mag-job ing-ana. Mangita sila’g way nga makapasok sila and
hiyang sila dinhaa nga work and then sa ilaha pud mga kaparintihan need
nila basin mangayo support ug dili muhatag its OK as long as nag ingon, nag-
ask ka sa ilaha pero ikaw raman gud ang makatabang sa imohang self kung
unsa imong kakayahan para masulbadan nimo ang financial kay bisan pa’g
complete family mag problema gihapon sa financial.
Interviewer: Oo so mao to imong ma-advice po?
Miss Brown: Ang ma-advice na ko sa ilaha is dili sila mawad-an ug pag-asa
gani kay naa may plan, naa may plan ang tanan. Ang very important jud is dili
lang siya mutan-aw sa iyahang weaknesses kundi mutan-aw pud sa iyahang
strength.
Interviewer: OK po. Sige po, thank you po. Mao ra to question po.
Miss Brown: OK
Interviewer: Thank you kaayo.

Avril Leigh Cahanap

Researcher

144
 In-depth Interview Transcript

Name of Interviewer : Abegail Landanganon

Date : June 8, 2023
Name of Interviewee : Miss Orange

Interviewer: Good afternoon po, kamusta man ta po?

Miss Orange: OK lang man.
Interviewer: Aw maayo. Ready na po ba ta ma-interview?
Miss Orange: *Nodded*
Interviewer: So, gusto lang po namo matubag ang experiences of young
adults from financial problems caused by parental separation po. So, naabot
ba sa point sa inyong life na nag-struggle ka financially because of parental
separation po?
Miss Orange: O, naabot jud ko sa point na pag-separate palang sakong
parents, didto na jud nag start na pila ka adlaw ana, nag-start na jud ang
financial struggles namo.
Interviewer: Like, unsa man pud na specific na financial struggles na
imohang na experience po?
Miss Orange: Like, sa eskwela gastosunon, gastosunon pud sa everyday life
namo, for example mga pagkaon ug hygiene products, or sarili namong
panlimpyo sa katawan.
Interviewer: Then ang both parents po ba ang still ga-support sa imo or ang
isa lang po sa imong parents?
Miss Orange: Ga-support man sila pero lisod sila i-reach out kay naa naman
sila’y sariling pamilya ba.
Interviewer: Asa diay ka ga-stay karon?
Miss Orange: Sa akong papa
Interviewer: Sa imong papa. So, imong mama ga-support ba or gahatag ba
gihapon?
Miss Orange: Gahatag man.
Interviewer: Ah OK, aside po sa financial problems what are other challenges
you encounter after your parent’s separated po?
Miss Orange: Naglisod ko sa kana gung mga meetings, labi nag bata pa man
ko atong nagbulag sila, meetings or any gatherings sa eskwelahan na needed
ang parents, maulaw ko kay mangutana mana sila “asa imong mama diay?”
ana, sunod ana maulaw ko kay wala koy matubag ga-lie nalang ko like “ay
OFW man to siya” ana.
Interviewer: How has your relationship po sa imong mga parents nag-change
po after your parent’s separation unya naka-affect ba jud ni sa imoha
financially po?
Miss Orange: O, ang relationship sa akong mama ug ako labi nag sa akong
papa, nagbag-o jud to the point na dili nako mag-need sa ilang help, usahay
kung naay time kung madugayan ko, mangita nako’g diskarte nako ana
instead magsalig nalang sailaha
Interviewer: Mangayo ug kwarta?
Miss Orange: Mangayo.
Interviewer: So, did your experience of parental separation po ba during
childhood still affect you until now?

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Miss Orange: O, naka-affect syempre siya kay pagdako nako nag-long ko
like what if wala diay nagbulag akong parents or what if naa pa syempre, ug
unsa jud ang feel sa buo ang pamilya.
Interviewer: So, next po gusto po namo mahibal-an is how young adults cope
with their financial problems after the separation of their parents. So, what
kind of support po or sources imong na-access po as a child or young adult to
help you influence po sa financial outcomes nimo po karun?
Miss Orange: Wala kay ko kasabot.
Interviewer: Mga what kind po of support or mga resources ang imong
nakuha po as a young adult to help you influence your financial outcomes po
like karun, unsa man imong mga, katung bata paka, naunsa na-open imong
mind about anang financial, like giunsa pag-open after anang parental
separation po?
Miss Orange: Katong pagbulag palang, syempre pagbulag palang didto nako
dayun naka-realize nga in ani diay. So, didto nagtigom-tigom nako, unya naay
ginahatag akong lola ug lolo or ante nako, gina tigom nako permente dili ko,
naa koy gina-set na budget for everyday like dili ko mu-go beyond, beyond 20
or 50 (pesos) mga ana sauna, and then miskan muhatag akong mama ug
papa, dili nako ginagasto kay lisod jud mahutdan ug kwarta labi na estudyante
pako.
Interviewer: So, who or what help you po to cope with the difficulties of
having to grow up with separated parents po, and in what way did they or it
helped you? Like kinsay gatabang sa imoha para ma-overcome ng parents
separated na na-experience nimo po?
Miss Orange: Sa akoa, akong mga ante, mga miga nako ug stepmother ug
stepfather nako, since gabalhin-balhin man ko ug balay, ga-cope up jud sila
sa akoa like, wala man sila gaingon na “naa ko diri karun, ako na imong
mama/papa” instead, gina-help ko nila ma-get over, pero hantud karun
syempre wala pako ka-get over.
Interviewer: So, giunsa nimo pagbalanse po ang imong financial stresses sa
parents’ separation po sa ubang aspects saimong life such as relationships,
education and career goals?
Miss Orange: Sa akoa ginatan-aw jud nako like asa pwede maangay akong
budget, didto ko mu-go sa mas cheaper siguro, kung asa nako afford, then
wala koy plano mag relationship sa kay ang focus jud nako ang career nako
ug ang education nako.
Interviewer: OK po. Can you share some specific insights po you gain from
your experience of financial problems caused by your parent’s separation?
Like unsay mga na-learn nimo sa imong mga experience anang financial
problems caused by parents separation po?
Miss Orange: Ang na-learn nako since nagbulag man akong parents, na-
learn nako sa nahitabo sa ako karun importante jud ang magtigom kay kung
dili ko kabalo magtigom, naa sa akong utok ba nakatatak, kung dili ko kabalo
mutigom sa akong kwarta or mag-control, wala ko, wala koy mapala. Like it’s
either di’ ko makaadto og eskwelahan, or magutom ko or mag road to death
nalang ko mao to akong na-learn.
Interviewer: So, naka pa-change sa imohang perspective sa life ang parents’
separation po? Like nabag-o ba imong panan-aw anang ano family ana, kay
tungod aning parents’ separation po?

146
Miss Orange: O nabag-o jud, like didto lang jud nagbag-o akong panan-aw
sa kinabuhi. Sa point sa akong life naka-feel ko ug unfair kaayu ang kinabuhi
kay ang other buo pa kaayo ang mga parents, OK pa, like miskan naglisod
wala gihapon sila nagbulag, nganong kami nga kaya kaya man nganong
nagbulag man? Naka-feel ko ato, then after ato murag naglain pud akong
panan-aw sa mga relationships, like dili ko musulod ana unless stable na
kaayu ko.
Interviewer: So, looking back on your experience po, what advice would you
give to other young adults who maybe dealing with financial issues stemming
from parental separation?
Miss Orange: Ang mahatag nako na-advice is, dili isisi tanan sa imong
parents, since kay nagbulag naman imong parents, naa paman pud sila pero,
you’re on your own na. Like it’s either naa silay chance na mag asawa ug
balik or magkapamilya. So, literally ikaw nalang jud isa need nimo self-
discipline ug maturity.
Interviewer: Thank you po, thank you kaayu sa imong cooperation po.
Miss Orange: Thank you.

Abegail Landanganon
Researcher

147
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh Cahanap

Date : June 09, 2023
Name of Interviewee : Miss Black

Interviewer: Good morning po. Kamusta naman po?

Miss Black: OK lang po
Interviewer: So, pwede na po ba ta mag-start ug interview?
Miss Black: Pwede po
Interviewer: Sige. Kaming mga researchers ang gusto namo like matubag
nga pangutana is what are the experiences of young adults regarding
financial problem caused by parental separation? So, naa bay point sa
inyohang life po nga nag-struggle ka financially because of nagbulag imong
parent?
Miss Black: Naa po dati
Interviewer: Dati?
Miss Black: Opo
Interviewer: Like ano?
Miss Black: Katong pandemic po kay naa man gud small business akong
mama po tapos hinay jud ang business ato. Wala nag-open kay ano restricted
tapos mao to amoang papa po is murag wala jud siyay pakialam, wala siya
naga-contact sa amoa. So, bali gikaya lang po to sa akong mama hantod sa
nabalik na po tong na-over na po tong covid po. Mao to ningbalik na ang
business. So, na-stable na pud mi financially.
Interviewer: Imohang mama lang naga-support sa imoha?
Miss Black: Yes po
Interviewer: Sige, aside of having financial problems po, what other
challenges have you encountered after your parents separated?
Miss Black: Like sa school gina-bully ko usahay because walay papa po pero
karon okay naman po since na anad na.
Interviewer: Then, how has your relationship with your parents changed
since their separation? And how has this affected your financial support?
Miss Black: Sa kay mama po is OK lang man pero sa akong papa po is
murag nalayo jud po akong loob. Like pangutan-on po ko if asa akong papa
muingon ra pud ko na wala na. Ginaisip lang na ko po na wala na jud siya
since wala na pud siyay pakialam sa amoa bisag mu-contact kay wala na po.
Interviewer: Ah OK po. So, did your experience of parental separation during
childhood still affect you until now?
Miss Black: Wala na po
Interviewer: Ay wala na?
Miss Black: Wala na
Interviewer: How so po? Nganong makaingon man ka na wala na po?
Miss Black: Nadawat na po namo kay since gamay pami kay si mama na po
ang naga-support sa amoa. Wala jud siya sa amoang tapad.
Interviewer: So, next question is how do young adults cope po with financial
problems after their parents’ separation? So, sa imoha po what kind of
support or resources did you have access to as a child or young adult to help
you influenced your financial outcomes? Like kinsa ang nag tabang nimo or

148
naga-supporta nimo or asa or kinsa ka nakakuha’g mga access sa resources
para maka –influenced sa imohang financial outcomes?
Miss Black: Sa akoa po is sa financial is kay mama
Interviewer: Kay siya ra ang naga?
Miss Black: Siya lang po ang naa lang po sa amoang tapad permente, siya
po ang naga-support sa akoa sa akoang mga igsoon apil po.
Interviewer: Ah OK po. So, who or what helped you cope with the difficulties
of having to grow up with separated parents po? And what way did they or it
helped you?
Miss Black: Sa akoa po is akoa lang sarili, gina-mind lang po na ko unsa
iyahang mga gipanghimo sa amoa like nganong wala na siya. So, bali
nadawat nalang po namo nga wala na jud siya di na jud wala na jud siyay
pakialam sa amoa po.
Interviewer: Dili na nimo gina-mind?
Miss Black: Dili na po, bisag mubalik siya kay murag wala na po
Interviewer: Ah OK po. So, how do you balance the financial stresses of your
parents’ separation with other aspects of your life, such as relationship,
education, and career?
Miss Black: So, ano po?
Interviewer: Giunsa nimo pag-balance imong diba naa man moy financial
stresses imong parents giunsa nimo pag-balance imong education like sa
imong studies or sa imong relationship kung baga?
Miss Black: First, gina una si mama man gud pud pag nay financial problem
is dili pud siya muingon sa amoa so bali wala pud mi kabalo po ana pero sa
education po murag wala man kaayo siya naka-affect po kay ginauna man
gud po na ko ang akong education sa uban ano po para mapulihan po ang
kahago ni mama.
Interviewer: Like giing-ana nimo pag-balance?
Miss Black: Yes po
Interviewer: So, next is mga insights ninyo po. So, can you share some
specific insights you gained from your experience of financial problems
caused by your parents’ separation? Like insights mga na-learned nimo sa
imong experience.
Miss Black: Financially po?
Interviewer: Opo or katong sa pagbulag po sa imong parents naa ba kay like
na-learned about ato?
Miss Black: Wala po kaayo kay since gamay pa po jud ko ato murag wala
pay buot po ana.
Interviewer: Karon na ningdako na ka like young adult na ka like unsay
imohang na-learned atong pag-separate sa imong parent unya naka
experience ka atong mga financial problems?
Miss Black: Kato po is dapat kay maning kamot lang jud po kung asa ka na
for example is, sa mama man ko na side. Tabangan lang po na ko akoang
mama para magka, para mas mulago po among business aron magpadayun
po among business para dili na po mi ma mangayo ug tabang sa amo papa.
So, bali tabangan lang jud namo amoang, akoang mama para
Interviewer: Like unsa natabang po like di’ ka mangayo sa imong mama?
Like tabangan nimo siya sa mga gastuhonon?
Miss Black: Magtabang lang po sa balay since ang kakapoy po ni mama.
Kapoy na po kayo iyang lawas murag dili na po siya katrabaho sa balay po

149
ana. So, bali ang ang uban na natrabaho-on kay ako nalang ang musalo po
para makapahuway siya.
Interviewer: Ah OK po. So, in what way has your experience ay wait lang. So,
how has your experience of dealing with financial problem caused by parental
separation shaped your outlook on life? And what lesson have you learned
from that experience? Like, basi sa imong experience unsay naka pa-
changed ba siya sa imong perspective about like sa family, like complete
family ana po.
Miss Black: Yes po, since separated akong parent like dili man po. Maka ano
po ko nga dili need ug like duha po ka-parents’ para mabuhi ana kay enough
naman po akoang mama para mag-support sa amoa.
Interviewer: OK po. So, in what ways has your experience shaped your
perspective on the importance of financial education and planning, especially
in the context of separation or divorce? Like diba nagbulag man po imong
parents po then katong na ano inyong business po
Miss Black: Yes po
Interviewer: Like, unya wala nagtabang imohang papa
Miss Black: Opo
Interviewer: Giunsay, unsa na-learned nimo like unsa ka-importance about
sa unsa ka-important ang financial education and planning po? Para sa imoha
Miss Black: Importante jud siya po kay parehas atong covid if wala nag
financial planning si mama murag mo dili jud seguro ko mo po ko kaeskwela
karon kay since kay bag-o paman jud na-lift ang restriction sa covid.
Interviewer: Balikon nalang na ko po. In what ways has your experience
shaped your perspective on the importance of financial education and
planning, especially in the contact context of separation or divorce? Like, like
base sa imong experience nganong makaingon man ka nga importante ang
financial education ug planning as a young adult?
Miss Black: Importante jud po siya kay sa una ‘tong naguban pa po sila
mama ug papa is murag spoiled po kayo mi sa akong mga manghud igsoon
ing-ana tapos karon po is murag gina-limit na po ni mama ang gastuhonon
kay ang sa balay na mga gasto po ing-ana tapos ako po na-realize din po na
ko na mas unahon jud po ang needs kaysa sa wants kay in case of
emergency is like naa pud kay natago na kwarta po like magipon in case of
emergency naa kay magawas na kwarta po.
Interviewer: OK po. So, last question po. Looking back on your experience
what advice would you give to other young adults who may be dealing with
financial issues stemming from parental separation?
Miss Black: Akong mahatag lang po na advice is dapat i-manage jud nila
ilahang kwarta labaw na po if gikan pa sa parents like magipon jud po sila.
Unahon ang needs kaysa sa wants kay murag sa panahon po karon kay lisod
jud po baya kay murag mahal na po ang mga palitunon ana. So, mao ra po to.
Interviewer: Thank you po, thank you kaayo.

Avril Leigh Cahanap

Researcher

150
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh Cahanap

Date : June 11, 2023
Name of Interviewee : Mr. Red

Interviewer: Good morning po. Kamusta naman po?

Mr. Red: OK ra
Interviewer: OK na ba mag-start na ta’g question po or interview po?
Mr. Red: Opo
Interviewer: Sige. So, kami mga researchers ang gusto namo matubag nga
pangutana is what are the experiences of your adults regarding financial
problem caused by parental separation? So, naa bay point sa inyong life po
nga naglisod mo financially tungod kay nagbulag inyong parents po?
Mr. Red: Wala man kaayo koy problema sa akoang financial kay bisa’g, ay
sorry po. Wala man koy kanang problema sa financial kay bisag separate sila
nangita man sila’g way na ma-sustained ko nila.
Interviewer: OK po. So, how has your experience of growing up with a
household where your parents were separated impact your current financial
situation karon?
Mr. Red: Unsa po na siya?
Interviewer: Like, sa na-experience nimo katong pagdako nimo nga nagbulag
imohang parents naka-impact ba sa imong current financial situation karon?
Karon po na student ka, naglisod ba ka sa financial karon nga student ka po?
Mr. Red: Dili po kay pareha atong akong gi-ingon sa number one (1) nga
pareha ko nila, naa silay nangita sila’g way nga unsaon ko nila pag-sustained.
Interviewer: Ah hantod karon po?
Mr. Red: Opo kay akoang both parents man na ko kay OFW kanang abroad
man na sila po.
Interviewer: So, asa ka po karon nag-stay?
Mr. Red: Sa akong guardian po na ko.
Interviewer: Aside from ay aside sa wala man kay financial problems po. So,
aside po ana po na kuan what are the other challenges or like basin naa kay
like laing problems tungod atong nagbulag imong parents po? Emotionally?
Mentally? Ana po
Mr. Red: Aside po atong, sukad atong gipanganak ko kay wala pa man sila
kanang unmarried sila ba wala sila gikasal kay naguban raman to sila mama
ug papa. Since katong bata pa ko ato ba ta’s pagkadugayan kay katong
nagbalik na to akong papa sa abroad ato, akong papa pa man ang una ato
ning-abroad hantod karon kay wala pa siya ningbalik. Para sa akoa murag
sakit kaayo sa akoa ba nga dili parehas, sila akong mama makauban.
Interviewer: Like, nagproblema ka po emotionally?
Mr. Red: Yes po, sa emotional ko naka problema kay dili kay sila, dili kaayo
ko buo sa ilaha po or dili kaayo na ko sila makauban.
Interviewer: So, how has your relationship with your parents changed since
their separation? Close pa po ba kamo karon sa both parents po or isa ra ka-
parents po?
Mr. Red: Pareha ra sila kay akong papa kay ginahatag man niya ang love sa
akoa, love man pud kaayo na ko akong parents pud mao pud sila

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Interviewer: So, wala po nag-changed since nagbulag po sila? Close pa po
mo karon po? Wala ninglayo imong buot po?
Mr. Red: Sa akong parents?
Interviewer: Yes po.
Mr. Red: Wala po, close gihapon mi.
Interviewer: So, did your experience of parental separation during childhood
still affect you until now?
Mr. Red: Aside atong gitubag na ko sa number three (3) one point three (1.3).
Sa una pa man kay katong gipanganak ko, nakaingon ko nga aside atong
gipanganak ko ato nga wala sila gikasal kay naguban pa man to sila sa una
buo pa mi ato sa una katong bata pa ko. Gina-sustained pa man ko nila ba
silay naga-sustained sa akoa sa una.
Interviewer: So, karon po kanang bulag na sila karon na nagdako na ka
nakaapekto ba gihapon na karon sa imoha?
Mr. Red: Ahh wala man pud naapekto sa akoa
Interviewer: Like, wala na ka apekto ilahang pagbulag sa imoha emotionally
or financially?
Mr. Red: Sa kung emotional lang jud na dili na ko sila ma
Inteviewer: Makauban?
Mr. Red: Opo
Interviewer: So, next na mo nga question na gusto namo ma makabalo is
how do young adults cope with financial problems after the separation of their
parents? So, unsa na mga supporta or kinsa ang nag-support sa imo or mga
resources nga naa kay access too as a child or as a young adult to help you
influenced your financial outcomes po?
Mr. Red: Since akong papa man kay last niya nakauban nako kay katung
kinder 2 pako ato, katung sa private paman ko ningeskwela ato, hantod karun
kay wala pa siya ni return sa akoa, pila na mi ka years na wala na nagkita or
wala siya ni bisita sa amoa, naa paman pud akong mama pero akong mama
man gud kay ni abroad man pud tu siya. Sa akong guardian lang ko ningpuyo
sa. Sauna pa katung bata pako ato since diha patu nisugod ug abroad akong
mama, sa akong lola pako ato unya si lola ang gaatiman sa amoa tapos karun
akong stepfather nasad kay akong mama mao pa toy pagkasal niya sa akong
stepfather, aside ana wala puy kasal ang both biological parents nako pero
naga-sustain paman pud sila sa ako.
Interviewer: So, imong parents’ pa gihapon ang naga-support?
Mr. Red: Oo naga-sustain pa gihapon sila, pero majority akong mama lang
jud kay sa side man ni mama ang permi tapos wala pa man kaayo ko kaila sa
side sa akong papa.
Interviewer: So, katung sa pagbulag saimong mama ug papa like who or
what helped you cope up with the difficulties of having to grow up with
separated parents po? Like kinsay nakatabang saimoha na ma-overcome or
makaya ang mga difficulties sa pagbulag sa imong parents po, kinsay naga-
advice sai moha or nagatabang sa imoha?
Mr. Red: Gina-share man tu ni lola sa akoa about sa relationship sa akong
parents tapos gina-reflect lang pud nako sa akong sarili.
Interviewer: Imong lola po ang nagatabang sa imoha na ma-overcome na?
Mr Red: Oo
Interviewer: Then next po is, what are the insights or mga lessons na imong
nahibal-an as young adult naka have gained from your experience, so pwede

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ka po ba mag-share like specific insight or kung unsa imong na-learn sa
pagbulag sa imohang parents po?
Mr. Red: Since separate akong parents pero nagatrabaho pa gihapon sila
para naa silay ma ika-sustain sa akoa, aside sa ilaha po nga nangita ug way
para ma-sustain ko, gina-sustain pud nako akong sarili, mangita nalang pud
kog way para ma-sustain pud nako sila or matabangan pud nako sila.
Interviewer: So unsa man pud nga tabang imong na hatag saila?
Mr. Red: Like maningkamot ko mahuman ug eskwela, para pud ma-achieve
nako ang maayo nga future ba, tapos matabangan nalang pud nako akong
parents pud.
Interviewer: So next po is, in what ways has your experience nakapabag-o
sa imohang perspective about the importance of financial education and
planning, kung importante jud ba ang financial education and planning
especially nagbulag imong parents po?
Mr. Red: Importante jud ang magtipid or mag-budget, as karun senior high
naman ko, akong papa ginahatagan ko niya ug allowance para sa unsay need
nako like projects, pamasahe or any needs nako.
Interviewer: Ginatipid na nimo po?
Mr. Red: Usahay po, depende sa kung unsa nga mga needs ang ma-spend
nako pero once man pud mahurot akong allowance po, gina-inform po nako
daan akong parents na hapit na mahurot akong allowance kay ginagasto
nako sa mga needs nako para sa akong eskwela.
Interviewer: So importante jud ang financial education, or ang pagtipid?
Mr. Red: Opo
Interviewer: Next question is, how has your experience of dealing with
parental separation shape or makapabag-o sa outlook sa imohang life po, and
what lessons have you learned from that experience? So, diba nagmention
man ka na wala kaayo kay problema sa financial, pero katung sa pagbulag sa
imohang parents, unsay nakapabag-o sa imohang outlook or perspective of
life po?
Mr. Red: As karun po, diba naka-mention man ko nga naay giingon si lola sa
akoa, kanang diha na nako nahibal-an nga sakit kaayu sa akong buot nga
akong mama kay dili jud siya ang first nga asawa, naa pa diay mas una nga
naminyo si papa, naa pa siya’y mas una na family pero wala pako kaila kinsay
side sa akoang papa.
Interviewer: So nakapa-change po na saimohang panan-aw sa kinabuhi?
Unsay nakapabag-o sa panan-aw nimo sa kinabuhi po katung sa pagbulag
saimong parents?
Mr. Red: Lisod pud nako ma-imagine kung naa bay possible na magbalik ba
mi as complete family or dili. As I said earlier na nagminyo natu ug lahi akong
mama, dili na jud kaayu, naa paman koy plano nga magkita mi sa akong
biological jud nga parents, magkita mi as kanang mabuo sad gani among
biological na family.
Interviewer: So last question po, looking back on your experience, unsay ma-
advice nimo to other young adults who maybe dealing with financial issues
stemming from parental separation? Or unsay ma-advice nimo sa other young
adults nga nakaagi ug parental separation?
Mr. Red: Base lang sa akong huna-huna, kung kaya ba nimo or gusto ba
nimo magtrabaho ka, para man pud sa imong future, basin naay possible pud

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na matabangan nimo inyong parents gani kung naa ba silay difficulties sa
ilang financial problems tabangan nimo.
Interviewer: Mao rato imong ma-advice na mutabang ra sila if kung naa silay
financial problems?
Mr. Red: Ug unsa pa, kung kaya pud nimo nga maka paningkamot na
makahuman sa imong skwela, pag-eskwela.
Interviewer: Mao ra to po, thank you kaayo, thank you sa cooperation po.

Avril Leigh J, Cahanap

Researcher

154
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh J. Cahanap

Date : June 17,2023
Name of Interviewee : Miss Grey

Interviewer: Good evening po, kamusta naman po ka po?

Miss Grey: OK lang lumalaban.
Interviewer: Goods po, so pwede na po ba ta mag-start ug question po ?
Miss Grey: Oo
Interviewer: Sige po, kami mga researchers ang gusto namo matubag na
pangutana kay unsa ang mga experiences ninyo mga young adults regarding
financial problem caused by parental separation. So naa bay point sa imong
kinabuhi where you struggled financially tungod atong sa pagbulag sa imong
parents?
Miss Grey: Opo, naa jud mga experience po or point sa akong life nga nag-
struggle mi financially especially sa akoa nga naka-experience ko ug broken
family separation, which naglibog ko kung asa ko mag-rely, it’s either sa
akong mama or sa akong papa na mag-support especially sa akong
education if ingana kay we’re not that close naman.
Interviewer: OK po, so naa bakay specific scenario or event katung nag-
struggle ka po?
Miss Grey: Opo like education bases if asa ko makapangayo ug financial
support to support my education needs.
Interviewer: So next question po is, how has your experience growing up in a
household where your parents were separated impacted your current financial
situation karun po?
Miss Grey: Akong experience na nagbulag-ang impact sa akong na-
experience sa karun na financial sit uation is that lisod maka-experience
anang broken family situation kay wala ka kabalo kung kay kinsa ka mag-rely,
mao to akong giingon gaina kung asa mag-rely, then ano, nakaapekto ang
katu nga bases ang pagbulag sa akong mama ug papa sa akong current
financial situation karun, kay karun nga time nag-stop ko ug skwela because
of some financial issues samot na kay naakoy ginahambing nga sakit, yes
naa jud siyay impact sa akoa ang pagbulag sa akong family.
Interviewer: Aside from having financial problems po, what other challenges
have you encountered after your parents separation?
Miss Grey: If we’re not going to talk about financial problem, daghan pud ug
challengena naabot sa akong life katung nagbulag akong mama ug papa, like
if being alone, wala ko kabalo asa ko mag-rely, asa ko mukuha ug energy to
fight everyday especially nag dako ko sa akong lola, which is daghan pud mi
ig-agaw then more on sa mentally, maka-experience ka ug mga issue sa
imong life na wala ka kabalo jud kung unsaon nimo pag-overcome na wala
kay masaligan miskan asa sa ilaha.
Interviewer: Next question po is, how has your relationship with your parents
changed since their separation and how has this affected your financial
support po? Like karun po ba, close pa ba mo ron sa imong mama po?
Miss Grey: Since gibiyaan ko sa akong parents, didto palang na part, didto
palang na scenario kung atong huna hunaon karon kay dili mi close, kay bata

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pako gibiyaan, wala ko kaila sailaha ay kaila gud pero dili mi close, wala ko
kabalo sailang batasan kay usahay rami magkita, usahay rami mag-encounter,
so dili jud mi close. Gina ila lang nako sila as mama ug papa pero wala ko
kabalo unsa ilahang attitude or kinaiya then nakaapekto pud siya sa akoa
financially pud kay wala ko kabalo if either mangayo ko saila, wala ko kabalo
unsay iingon sailaha, maulaw gihapon ko kay dili mi close, separated sila,
maulaw ko sailaha even though anak ko nila.
Interviewer: So dili sila ang naga-financial support saimo po?
Miss Grey: Usahay, usahay if mangayo ko, if kailangan najud nako.
Interviewer: So next po is, does your experience of parental separation
during childhood still affect you until now po?
Miss Grey: Opo, mao to akong ginaingon nga lisod magdako ka or maka-
experience ka ug broken family, samot na saamoa na bata pami naka-
experience ug broken family then ginadala dala namo pagdako then mag-
seek mi ug attention from our parents, and then nakaapekto pa gihapon siya
sa amoa, nakaapekto siya hantud karun nga young adult na especially ingani
nga pang edaron kay naa ka sa punto sa imong life nga looking for attention
mga inana nga huna huna po.
Interviewer: So ang next is ang gusto namo makabalo, how do young adults
cope. So what kind of support or resources did you have access to as a child
or young adult to help you influence your financial outcomes po?
Miss Grey: Ako nagdako ko sa lola ang then napasa ko sa akong tita karun
which is naa sa Davao, and then karun nagsalig ko ug nag-rely ko sa akong
mga tita para mapaskwela ko soon ug balik, para matabangan ko sa akong
daily nga needs, akong maintenance, naga-rely ko sa akong tita sa akong
financial problem.
Interviewer: So next po is, who or what helped you with the difficulties of
having to grow up with separated parents and giunsa nila pagtabang saimoha
po?
Miss Grey: Mao to, sa akong nanay ko nag dako, si nanay ang nagtabang sa
akoa, si nanay ug tatay ang nagsilbing parents, then giunsa nila pagtabang sa
akoa like sila ang tanan, sila ang nagpadako, didtoa nga part dako na kaayo
na ug tabang sa akoa.
Interviewer: So next question po is, how do you balance the financial
stresses from your parents separation from other aspects of your life po, like
relationship, education and career goals po?
Miss Grey: Mao to, karun mag first year college na unta ko pero naay mga
things na wala ta kahibalo especially gipit mo sa kwarta, ang igasto para sa
college kay igamit sa imong maintenance. Makaapekto siya sa akoang life
kay instead na muskwela ko, especially sa akoang education bases kay
imbes na muskwela ko, ang gina-support nila mama karun kay sa akong sakit
nalang sa, gina-focus nalang sa lahi na butang instead sa lahi.
Interviewer: So giinana nimo pag-balance po,gi-set aside sa nimo ang-
Miss Grey: Ang skwela, gi-set aside sa nako akong skwela kay giuna nako
akong health issue.
Interviewer: So next question po is, sa mga insights po sa young adults.
What young adults have gained from their experiences of financial problems.
So pwede ba nimo I-share ang mga specific insights or mga imong na-learn
po from your experience of financial problems caused by your parent’s
separation po?

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Miss Grey: Akong mga na-learn? Siguro ano kailangan nako maging
independent, independent means dili lang sa isa kabutang but mag-
independent ko to balance like maghuna huna ko dili lang karun, naa pay
ugma so kailangan ko mag-budget ug kwarta, ipon, ipon para naay ma-save
para ugma, para sa next mga upcomings, ana.
Interviewer: So mao na imong na-learn po?
Miss Grey: Opo
Interviewer: Then next po is, how has your experience of dealing with
financial problem caused by parental separation shaped your outlook on life
po, giunsa pagbag-o sa parental separation ang view nimo sa kinabuhi po?
Miss Grey: Dako kaayu ug pagbag-o ang pagtan-aw nako sa family,even sa
akoang kaugalingon dili nako ma-picture out na magka-family soon, ingana
like focus sa ko sa akong kaugalingon. Then specially pag magbulag imong
family naa man jud mga financial issues na maabot so, dapat maghuna huna
jud ka ug taman before ka musulod kay lisod man gud musulod ka ug family
unya wala ka kabalo kung unsa nga financial issues imong ma-face in the
future, maybe mao na ang cause na magbulag imong family, so mao jud na
ang huna hunaon.
Interviewer: OK po, so next question po is, katu po imong na banggit po nga
maghuna huna sa first, so in what ways has your experience shaped your
perspective on the importance of financial education and planning especially
in the context of separation po?
Miss Grey: So para jud sa akoa, importante jud ang financial planning bago
ka musulod ug mga family things, kay lisod kaayu na diha pa ninyo planuhon
or musulod ka diretso sa family na wala kay huna huna or idea kung unsa ka
lisod ang family, then mudiretso raka. Maybe mao pa na ang cause nganong
magbulag mo, magkatibulaag mo kay about sa financial issues. Di mo
magkasinabtanay because utang diri, utang didto ka. Mas naa kay laing
priority than your family, ingana gani nga mga part.
Interviewer: ok po, so next question po is, how was your experience
influence your understanding of the impact of separation on family finances
and stability po?
Miss Grey: Sa akong experience, ang impact sa divorce on family situation
for me, experiencing a broken family situation doesn’t mean that youre going
to lose everything you have, pero maybe advantage pud to siya, dili lang
tanan disadvantage kay nagbulag or nag separate imong family. Maybe naa
pud gamay nga mga advantage ato na part. Para mas mugaan or mas ma
okay ang atmosphere sa inyong family, para dili na sila mag stay sa ingato
nga mga kasamok. Para maybe mag focus sila sa lain nga butang. Maybe
mag move on sila or mag move forward sa lain na butang, sa lain na way na
kanang sila na ang mag handle, sila na ang mag huna huna pero dapat gina
huna huna gihapon nila ilang anak. Even though nagbulag sila dapat gina
huna huna gihapon nila ang financial support sa ilang mga anak. Dili lang kay
nagbulag sila ila napud kalimtan ang tanan
Interviewer: So, ikaw po, naka experience na ba ka nga unstable inyong
family sa financial tungod sa impact sa separation.
Miss Grey: Opo, kapila na nga beses naka experience kog ingana pero go
with the flow lang kay di man to siya pasabot na mawala tanan sa akoa kung
Nawala pud ang family sa akoa. Kind of advantage, for me.

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Interviewer: OK po, last question po is, looking back on your experience po,
what advice would you give to other young adults who may be dealing with
financial issues stemming from parental separation po?
Miss Grey: Siguro akong advice nga mahatag sa pareha sa akoa nga naka
experience ug broken family situation is that, go lang lang sa life, sa akong gi
ingon ganina nga experiencing a broken family situation doesn’t mean that
youre going to lose everything you have. So maybe naay advantage, nay
disadvantage pero dapat dili lang ta mag focus sa disadvantage. Even though
maka experience tag financial issues pero dili na siya problema or issue nga
hantod sa hantod nimo dalhon. Which is pwede nimo malutas, dili man karon,
pero maybe sa upcoming, sa future makayahan na nimo. Kung di ka paboran
sa panahon karon, maybe ugma ikaw napud.
Interviewer: Thank you kayo sa cooperation po.

Avril Leigh J. Cahanap

Researcher

158
 In-depth Interview Transcript

Name of Interviewer : Avril Leigh J. Cahanap

Date : June 19,2023
Name of Interviewee : Miss Sky Blue

Interviewer: So Good Afternoon po

Miss Skyblue: Good afternoon sad
Interviewer: Kamusta naman po ka?
Miss Skyblue: OK lang, so far. Doing good.
Interviewer: OK na po ba mag start ta ug interview?
Miss Skyblue: Yes, OK kayo na mag start na ta ug interview.
Interviewer: Sige po, so kami mga researchers ang gusto namo matubag na
pangutana is what are the experiences of young adults regarding financial
problem caused by parental separation. So naa bay point sa imohang life nga
struggled financially tungod atong nagseparate imong parents.
Miss Skyblue:Yes, naa juy point na nag struggle mi financially kay tungod
nag bulag akong parents. Daghan kaayog gastohunon tapos wala mi kabalo
aha mi magkuha ug kwarta kay naay usahay nga di maka provide both akong
parents ana.
Interviewer: So naa kay specific event or scenario sa imohang life nga
naglisod jud ka ug pangitag kwarta
Miss Skyblue: Sa kanang pag skwela, need man jud ta naay balon ana tas
sudan. Naabot nami sa point nga ginatipid na nako akong sarili kay family of
two mi, duha mi ka mag igsoon. So as ate kay need nako iprovide jud akong
manghud. Dili nalang ko Usahay mukaon para daghan makaon akong
manghud. Tungod pud sa nag struggle mi financially, usahay dili pud ko
makabalon,dili pud ko mahatagan sa among mama ug balon kay nag struggle
pud siya. Unya among papa kay di pud maka provide ug money.
Interviewer: So asa po ka nagpuyo po karon?
Miss Skyblue: Sa akong grand parents
Interviewer: So imong mama nag support sa imoha financially, ug imong
grandparents?
Miss Skyblue: Yes, akong mama ug grand parents
Interviewer: OK po, so next question is how has your experience growing up
in a household where your parents were separated impacted your current
financial situation karun po? Hantud karon po naglisod ba gihapon ka as
young adult, financially. Giunsa pag impact ang pag bulag sa imong parents
sa imong financial situation karon
Miss Skyblue: Yes, naglisod gihapon ko kay adlaw adlaw man jud naay
gasto labaw na sa kuryenti, tubig, so gina prioritize man jud na. gamay ko
hantod sa nagdako, mao ra gihapon ang sitwasyon na ginatipid nako akong
kaon, akong gasto usahay kay tungod akong mama dili maka provide tas
akong grandparents kay gamay rapud nga kwarta ilang ginahatag sa amoa
kay tigulang naman gud sila.
Interviewer: So next po is, aside from having financial problems po, what
other challenges nga naka encounter ka after sa pagbulag sa imong parents?
Miss Skyblue: Kana bitaw need nimo ug attention ug love. Sa akoa, okay ra.
Sa akong manghud, kay makonsensya man gud ko sa iyaha. Pero naay times

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nako a feel ang love sakong ginikanan. Kay masuya man gud ko naa pud koy
insecurity sa uban students, fellow teenagers na kompleto ilang pamilya, naa
ilang papa. So masuya ko ana na situation. Mao na akong challenges na ma
encounter tung nagbulag akong mama ug papa
Interviewer: OK po, so karon po how has your relationship with your parents
changed since their separation and how has this affected your financial
support? Close pa ba mo sa imohang mother or father?
Miss Skyblue: Sa akong father, tung bata pa ko tung naa pa siya kay close
jud mi. matawag siya nga murag papa’s girl jud ko. After atong nag separate
sila ni mama so mas ni distance mi. di pud nako maingon nga close close mi
sakong mama pero…
Interviewer: Close pa ba mo sa imong papa hantod ron, dili na?
Miss Skyblue: Dili na mi close akong papa
Interviewer: So naka apekto ni sa iyang financial support sa imoha?
Miss Skyblue: Naka apekto jud siyag dako kay since akong mama nalang
jud ga provide samong financial, sauna tung naa oa akong papa kay ga
provide gud siya pero gamay lang jud. Pero karon nan ga wala na siya sa
household namo mas nisamot nga nag lisod mi tunngod kay akong mama
rajud ga trabaho
Interviewer: Okay po, so next question po is did your experience of parental
separation during childhood still affect you until now?
Miss Skyblue: Yes, ga apekto kay lisod man gud nang Wala kay mama ug
papa kay kanang maulaw ka sa imong lola ug lolo ba nga mangayo kay
tigulang na biya na sila no. maglisod jud kag pangayog kwarta sa ilaha kay
makonsensya ka. Ga apekto gihapon siya sa akoa kay traumatic pud to na
bata pa ko kay naghiwalay na akong mama ug papa tapos labaw na ron na
pati ako magool na sa financial problems namo kay naluoy na pud ko sakong
mother kay siya ga provide sa amoa tas mag utang utang na siya kay para
lang jud maka hatag siya sa amoa. Among father kay di jud siya maka provide
sa amoa
Interviewer: OK po, so mao to imohang mg ana experience po
Miss Skyblue: Yes, mao to.
Interviewer: So ang next is, kami na researchers gusto namo mahibalan is,
how do young adults cope. So, what kind of support or resources did you
have access to as a child or karon nga young adult naka to help you influence
your financial outcomes?
Miss Skyblue: Akong source or support is mostly jud akong lola ug lolo pag
wala akong mother. As I said, akong mama lang jud gahatag ug akong lolo
and lola. Pero ginagmay lang ang ginahatagsa akong lolo ug lola
Interviewer: OK po, so next is who or what helped you coped with the
difficulties of having to grow up with separated parents and giunsa man pud
nila pag tabang sa imoha?
Miss Skyblue:Sa tao, kay akong igagaw. Kay ga help jud siya sa akoa kay
mag rant man ko about ana sa akong parents ba like “naglisod najud ko te sa
akong sitwasyon” so naa siya dira to comfort me. Usahay pud ginatabang pud
ko niya if wala koy kwarta. And if sa other things, gina immerse nako akong
self sa kpop para lang ma distract ko and naa koy kalipay. Little distraction
lang sa akong problema kay if di nako na buhaton, di ko magsulod ana na
hobbies or kagustuhan kay feel nako mas ma-stress na hinoon ko maghuna
huna kaysa naman sa wala koy distraction.

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Interviewer: OK po, so next po is, how did you cope with the new household
arrangement, coming from two parent household to one parent household?
Miss Skyblue: Lisod siya pero ginakaya lang nako para sakong manghud tas
naa mi nag puyo ron sa akong grandparents which is matawag na one
grandparent household, gina antos lang nako na ingato among sitwasyon kay
kapag mag sinelfish ko nga didto mi magpuyo sa among balay na kami lang
magpuyo sa igsuon kay akong mama kay layo man siyag gina trabahoan so
kami lang jud mabilin sakong igsoon. So didto nlang jud ko sa pikas balay
namo kay para naa pud mag provide sakong manghud if ever na kapoyon ko
sa school. So mao nang gina antos lang jud nako para sa akong igsoun
Interviewer: OK po, so next question is how do you balance the financial
stresses from your parents separation from other aspects of your life po,
pareha anang relationship, education and career goals?
Miss Skyblue: Lisod siya ibalance, actually. Kay naa man puy gastuhon sa
skwelahan ba ug sa balay. Dijud siya balance kay gina prioritize nako ang
gastuhunon sa balay instead na mangayo ko ug pera para maka gasto ko diri
sa skwelahan, di nalang ko mangayo kay tungod gina consider pud nako
akong lola ug lolo which is dira mi namuyo para di pud sila ma problema.
Gatigum pud mi kay para if ever kato maka help sap ag bayad sa skwelahan
such as miscellaneous or mga bayarunon diri sa classroom.
Interviewer: OK po, so next is mga insights sa young adults have gained
from their experiences of financial problems. So pwede ba nimo ma share
imong mga specific insights or mg ana learn from experience of financial
problems cause by your parents separation.
Miss Skyblue: Akong insight is lisod jud siya. Akong mga na experience tung
naglisod mi kay magtigum jud ka kay wala ka kabalo, for now kay stable pa
mo. For example, nahitabo namo, stable kaayo among financial atong time na
wala nag separate akong parents unya naa papud akong mommy, tung
mother sakong mama so wala mi kabalo, in a blink of an eye kay wala na diay,
unstable na among financial tungod ra sa Nawala na, namatay na pud akong
mommy tas akong parents kay nagbulag. So lisod jud siya, so dapat jud kay
mag learn jud ka nga mag tigum, mag save jud kag kwarta kay para in the
future bahalag di mag bulag imong parents or either magbulag kay naa na
kay naka andam na kwarta or naka save daan na kwarta in case of
emergency.
Interviewer:so mao na imong na learn po, magtigum?
Miss Skyblue: Yes
Interviewer: So, nagtigum ka po?
Miss Skyblue: Yes
Interviewer: So next question po is, how has your experience of dealing with
financial problem caused by parental separation shaped, nakapabago sa
imong outlook on life po, and what lessons have you learned from that
experience
Miss Skyblue: So just what I have said, before na tung experience nako,
naka tuon jud ko nga mag tigum so mas better jud diay na tung gina ignan ko
sauna na magtigum lagi tas dili mag seg gasto kay gastador man jud ko. So,
di jud nako ma pugngan, maypag kato na time kay naminaw jud ko sakong
parents ug grandparents na magtigum ato na time. If di man magtigum is mag
start nalang ug business kay para atleast maka kwarta ko kay uso man ang
online selling ron ang yet both ato wala jud nako nabuhat pero atleast, di jud

161
nako siya ma ingon na nag tigum jud ko kay naa jud tay point in life na
makagasto ta niya ang akong coping mechanism gud is mag gasto so akong
ma ingon lang jud is magtigum jud labong sayo pa ang oras.
Interviewer: OK po, so next question po is, in what ways has your experience
shaped your perspective on the importance of financial education ang
planning especially in the context of separation or divorce?
Miss Skyblue: So based sakong experience, na shape akong perspective
kay importante jud diay na magplano ka ug kwarta kay kana bitaw naan aka
sa point of life na unstable na ka financially kay maka ingon jud ka nga money
can buy happiness, kay if there is no money, how can you buy happiness.
Kay if wala kay kwarta then magkaproblema ka. Same sa akoa na nag
struggle jud ko financially tas di lang pud ako, akong mama pud, naguol pud
ko sakong mother na permi na mag provide sa amoa. So na shape jud
akoang perspective unya importante jud na magplano sa ka, if ever na
maadto ka sa point na maminyo kay magplano sa ta about sa dili lang atong
life kundi sa kwarta, kay mostly akong nabantayan if wala biitaw kay kwarta
na ma ipon or if ever wala kay na save kay magbulag jud. Same sa akoa kay
financially stable man mi sauna so okay pa ang progress sa relation sa
among mama ug papa pero after nagkadugay tung akong mama nalang ang
nag provide, akong papa kay ginagmay rag lihok when it comes to working
kay didto na nahugno na jud amoang family sa financial problems namo unya
nasamotan pa tung nag separate na among parents.
Interviewer: So, para sa imo, importante jud ang financial education and
planning?
Miss Skyblue: Yes, very important jud siya, labaw na sa atoang kabataan ron
Interviewer: OK po, so next is, how did your experience influence your
understanding of the impact of separation on family finances and stability?
Miss Skyblue: So based sakong experiences, na influence jud akong
understanding of the impact of divorce or separation sa akong parents kay
nag-struggle jud mi financially sa akong family, dili man karun- akong
manghud kay, since duha man mi nu maglisod jud akong mama ug provide
sa amo kay duha mi ka anak unless if only child rako, so sa akong
understanding is importante jud na magtigom jud ta tas aside from that kay
grabe jud ang impact sa akoa, not just sa akoa, sa akoang manghud, sa
akong mother kay since kay tungod ana magutang utang man jud na nu if
kanang financially unstable ka, since tungod anang utang mao na di kahatag
akong mother kay tungod kay ginabayaran pud niya iyang mga utang sa lain,
mao grabe jud kaayo ang impact sa amoa, not just financially but also our
mental health kay grabe jud siya maka-trauma.
Interviewer: So grabe jud ang impact sa pagbulag saimong parents sa
inyuhang financial stability?
Miss Skyblue: Yes, kay katung sauna tung naa pa sila kay OK OK raman,
pagbulag jud nila grabe jud siya kay akong mama nalang jud nag provide,
wala juy natabang akong papa sa amoa.
Interviewer: So financially unstable mo hantud karun?
Miss Skyblue: Dili nako siya maingon nga wala mi kwarta, pero naa gihapon
mi kwarta pero dili lang nako maingon nga as in na daghan daghan jud ug
kwarta na maka-buy mi ug gusto namo, ang mapalit lang jud kay mga
pagkaon ug mga needs namo.
Interviewer: So mga needs lang inyung kailangan paliton?

162
Miss Skyblue: Yes, kanang education, food kana lang jud among ma ano-
mao makaingon jud ko nga mao lang na among kaya na paliton ug financially
unstable jud mi
Kay mao ra among ma palit.
Interviewer: OK po, last question po is, looking back on your experience
unsa imong ma-advice na mahatag sa other young adults who maybe dealing
with financial problems stemming from parental separation?
Miss Skyblue: Sa akong ma-advice nako saila is, if maka-encounter mo
kuntahay separated na ilang parents diba, magsugod na jud mo ug tigom,
labaw na if ever bag-o bag-o ra nagbulag inyong parents, magtigom najud mo,
if ever man na gastador mo or something like that, kay either mag tigom mo
or mag-start namo ug business kay naa jud isa saimong parents na dili ka
provide sa inyung needs, like isa lang or in worse case scenario both saimong
parents dili maka provide sa inyung neesd, mas better na mag-start mo ug
business ug mag-learn to save your money para sa imong future needs ug
para sa imong kaugmaon kung gusto ka makahuman ka ug skwela para mas
ma-better imong kinabuhi.
Interviewer: Mao rana imong ma-advice po?
Miss Skyblue: Yes, mao ra.
Interviewer: Thank you po, mao rana among questions po, thank you sa
cooperation.
Miss Skyblue: Yes, thank you, and your welcome.

Avril Leigh J. Cahanap

Researcher

163
 Focus Group Discussion Transcript

Name of Interviewer : Avril Leigh Cahanap

Date : June 08, 2023
Name of Interviewee : Miss Yellow, Miss Green, Miss Purple, Miss
White, Miss Maroon, Mr. Blue and Mr. Magenta

Interviewer: Good morning po. Kamusta man po?

Miss Yellow: OK lang

Miss Green: OK lang

Mr. Blue: OK lang po

Miss Maroon: OK ra

Mr. Magenta: OK lang

Interviewer: Ikaw po Miss?

Miss Purple: Purple

Interviewer: Purple

Miss Purple: OK lang laban

Miss White: Yes, OK lang like stay strong lang sa life

Interviewer: So, ready na po ba ta ma-interview po karon?

Miss Yellow: Oo

Miss Green: O

Miss Purple: Yes

Miss White: Yes

Mr. Magenta: Sige, sige

Miss Maroon: Sige

Interviewer: So, kami po na mga researchers gusto po na mo matubag ang

what are the experiences of young adults regarding financial problems caused
by parental separation? So, naa po ba point sa inyohang life nga nag-struggle
mo financially because of your parent’s separation po?

164
Mr. Magenta: Sa akoa, syempre kay bata pa jud di’ man jud malikayan na
maglisud tungod sa pagbulag sa ginikanan. Maglisud jud mi sa financial if aha
mi mangita ug kwarta sapag kaon sad namo syempre bulag na lagi among
ginikanan.

Miss Maroon: Sa akoa kay wala man kay bisan naa si mama kay si papa ra
gihapon ang gatrabaho ba. Same ra gihapon sa karon nga nagbulag sila wala
gihapon nagbag-o.

Interviewer: Ikaw po nagproblema po ba ka financially tungod sa pagbulag

sa imong parents?

Miss Yellow: Oo naa. First, katong elementary ko nag-abroad akong ay

bulag na sila ato sa akong mama ug papa and then nag-abroad akong mama.
So, nabilin nalang ko sa akong papa unya ang trabaho sa akong papa is dili
gani stable like kanang business man gud ang trabaho sa akong papa. So,
ang business baya kay dili jud baya siya stable. So, mao to naay time nga
walay tarong nga or wala kaayo siya trabaho ato nga time mao to nga
naglisod mi ug bayad sa kuryente unya nageskwela pa jud ko ato. So, akong
pageskwela is naapektohan gyud kay naay mga assignments nga mga
kailangan buhatonon dili na ko mabuhat kay wala man mi kuryente ato that
time. Mao to nakaapekto jud siya sa amoa financial samot na pud sa akoang
mageskwela ko usahay kay dili ko matagaan ug baon sa akong papa kay
wala lagi ano kulang among unsa na financial.

Interviewer: Miss White

Miss White: Yes, naa jud like every day

Interviewer: Like unsa man to nga panghitabo

Miss White: Like dili maghatag si papa kay magtipid tipid jud for example,
naay mga requirementsnaa bitaw mga needs unya walay nag-provide both
parents kay struggle jud siya like need nimo maningkamot na ikaw lang.

Interviewer: How about you Miss Green?

Miss Green: Same lang kay Miss Yellow

Interviewer: Like ano po specific po na struggle sa financial po that caused

parental separation

Miss Green: Katong elementary pa ko unya ano bata pa ko then nagbulag na

sila mama grade three (3) pa man yata ko ato. Then, si mama ato kay wala
pa siyay trabaho ato then si papa lang kay tig construction worker lang then
kay papa ko nabilin ato didto sa apartment unya lisod kaayo kay wala pa man
mi motor ato then kuan ga-bus bus lang ba then sa rizal

Interviewer: OK ra po, OK ra.

165
Miss Green: Like nakahinumdom man gud ko kay papa gud

Interviewer: Sige lang po, OK lang po.

Miss Green: Ga-bus lang man mi ato ba unya then sa rizal man ko nag-
elementary ato unya ang iya lang sweldo kay igo ra sa akong pamiliti
padulong diria sa tagum then balon then iyaha pud balon pud. Maong wala
jud mabilin sa iyaha.

Interviewer: Ikaw po

Miss Purple: Yes, lisod gyud kaayo siya nga sa pag-separate is dili jud, sama
sa giingon ni Miss White na dili jud madali-dali ug hatag ang mga needs na
important gud especially sa studies then naa poy purpose nga sa pagbulag
nila nagundang because of financial problem so mao to dili jud pud siya lalim
struggle pud siya kaayo jud.

Mr. Blue: Ano lang still same lang gihapon kay ‘tong time nga wala pa sila
nag-separate akong papa man gihapon ang nagtrabaho ato the mao ra
gihapon same lang ang financial.

Interviewer: So, karon po kanang ikaw po Miss Yellow kinsa po ga-support

nimo? Like, asa ka po gapuyo or both parents po ba still ga-support sa imoha
po?

Miss Yellow: Ang ga-support lang sa akoa karon kay ang akong papa ug
akong tatay jud duha gyud sila pati akong tatay kay ang akong nanay is dili
man gud mi kanang OK sa akong mama gud. Mao to akong papa lang naga-
support sa akoa pero ang ga-support sa akong papa sa akoa is gamay lang
jud kaayo like dili pud siya kaabot ug bare minimum gud kay bukod sa
bisyoso pud akong papa. Mao to bisyoso akong papa then kung unsa
pangayo na ko dili na niya mahatag kay ginahatag naman niya sa iyahang
bisyo. Mao to nga ang ka-support lain sa akoa is akong tatay kay siya man
gud gikan ang maka-support jud kaayo sa akoa naa koy kailangan is
ginahatag niya biskin naglisod siya pero usahay kay naay times na kailangan
jud na ko magtrabaho aron naa koy pambaon sa akong eskwelahan.

Interviewer: So, ikaw po Miss Green? Kinsa po ga-support sa imo or asa ka

po gapuyo?

Miss Green: Kay mama pero ano lang man gud siya tindera lang sa palengke
ba. So, dili jud taga adlaw iyahang trabaho tawagan lang siya pag naay mu-
absent. Mao lang.

Interviewer: So, sa inyo po Miss White kinsa po ang naga-support po sa

imoha both parents po ba or ano

Miss White: No, like grandma

Interviewer: Grandma? So, gapuyo ka sa imong grandma po?

166
Miss White: Yes

Interviewer: Tapos ang duha po ka-parents nimo gapadala po ba gihapon?

Miss White: Akong father pero dili always like if needed lang jud kaayo ana

Interviewer: So, ikaw po Miss Purple?

Miss Purple: Akong papa lang. Since I’m seven (7) years old kay si papa
lang jud nag-support tanan sa amo like baskin piso wala jud mi nahatagan sa
akoang mama since nga nagbulag sila di bali mura siya’g kaning bula gud
nga nawala. Like wala gyud siya’g naka hatag ug maskin tres (3) pesos man
lang.

Interviewer: Ikaw po Mister Blue? Ang question is both parents po ba still ga-
support sa imoha?

Mr. Blue: Dili na akong father lang since nag-separate po sila since parehas
sa Miss Purple since nagbulag, ang father nalang pud ang nag-support. Akoa
mother wala pud siya nahatag bisag gamay hantod karon.

Interviewer: How about you Mr. Magenta and Miss Maroon?

Mr. Magenta: Sa akong lola ko naga-stay karon pero sa karon kay close ko
sa akong mama and then akong mama gyud ang naga-support sa akoa sa
pageskwela

Miss Maroon: Sa akong papa ko ga-stay then wala ga-support si mama, si

papa lang ang naga-support

Interviewer: So, how has your experience of growing up in a household

where your parents were separated po ba impacted your current financial
situation po? Like, karon po na young adults na mo then bulag po inyong
parents still ga-affect po ba gihapon karon sa inyong current financial?

Mr. Magenta: Sa karon kay batan-on naman jud naa naman jud tay sarili
natong panginahanglan ba syempre magpangita man jud ta ‘no kung unsa
atong panginahanglan mao tong maglisod gyud mi labaw na sa karon
pageskwela na ko.

Miss Maroon: Same ra sa iyaha maglisod ko karon sa financial labaw na sa

pageskwela, sa mga needs or mga kinahanglan na ko karon

Interviewer: Haw about po sa inyo?

Miss White: Like financially lang jud?

Interviewer: Yes po

167
Miss White: Labi na eskwela unya daghan kaayo ug bayronon kay lisod jud
siya pero kung ma-budget nimo kung kaya pa jud nimo siya ma-budget i-
budget nalang jud na apila imong patience ug budget.

Miss Purple: Ako? Same lang gihapon kay Miss White like sa karon man gud
is dili na pareha dati nga makaya-kaya ra ang mga gastuhon. Like, karon lisod
na jud kaayo siya pangitaon pamaagi labi na kaning sama sa giingon na
budget jud ang need jud basta separated imong parents’ kay syempre sa
tibuok family isa raman jud ang maglihok nga ing-ana. So, lisod jud siya.

Mr. Blue: Same lang pud mi ni Miss White ug ni Miss Purple. Ano mga
financial situation po karon diri sa school daghan kaayo mga amutan ug
bayrunon. Mao lang po na.

Interviewer: Ikaw po Miss Green and Miss Yellow? Like, still ga-affect ba
gihapon ni karon sa imoha financially?

Miss Yellow: Oo kay kung wala seguro nagbulag akong mama ug papa kay
naa man trabaho akong mama naa pud trabaho akong papa dili guro ko
maapekto. Ang reason man gud nga ngano bisyoso akong papa karon tungod
kay nagbulag sila sa akong mama. So, makaingon jud ko nga dako jud siya
nga effect ang pagbulag sa akong mama ug papa karon sa among current
nga financial situation kay mao ra gud naka-support sa akoa unya dili na
kaayo niya ma-cover akoang basic nga kinahanglan biskan nga basic nga
hygene dili niya mahatag tungod kay mao to tungod pud sa iyang sariling
problema nga dili niya mahatag sa akoa kay tungod ka dako pud ang epekto
sa iyaha sa pagbulag sa akong mama ba mao to.

Miss Green: Oo
Interviewer: Like, ngano po? Nganong makaingon man ka nga still ga-affect
gihapon sa imo?

Miss Green: Kay akong mama nalang man gud naga-support gihapon sa
akoa ba then naa gani usahay na naay bayaron sa eskwelahan dili dayun
mahatag kay wala naman gud siya tarong trabaho.

Interviewer: So, aside po ba sa problema sa financial, unsa pa po ba ang

mga laing challenges po na imong na-encountered after sa pagbulag po sa
inyong parents?

Miss Green: Paggusto ko muadto sa akong papa kay dili ko sugtan.

Nagatakas nalang gud ko para kay papa para makaadto sa iyaha.

Interviewer: Ikaw po Miss Yellow?

Miss Yellow: Other sa financial kay unsa pa man ha. Like, feel na ko kay
bukod sa financial kay naa ko sa akong papa ba pero feel na ko kay wala
gihapon sila. Daghan tao nakapalibot sa ako pero feel na ko wala gihapon sila
ing-ana gud. Focus ra kaayo sila sa ilang sarili wala na sila kabantay nga naa
pa diay silay anak.

168
Interviewer: So, murag naapekto ang imong murag emotional?

Miss Yellow: Opo

Miss Interviewer: Ikaw po?

Miss Magenta: Syempre mangita jud ka sa love bitaw sa imohang ginikanan.

Miss Maroon: Sa ako kay masuya gud ka sa lain nga bata gud na complete
sila ug family.

Interviewer: Sa inyo po?

Miss White: Ano, lack of parents’ support

Miss Purple: Yes

Miss White: Importante man jud na ‘no labaw na’g graduation unya like mu-
attend sa imohang recognition then walay present medyo sakit jud siya sa
buot, emotionally kay ako lang jud.

Miss Purple: Yes, maingon lagi nimo tanan ay

Interviewer: Ano po other like mental problems or…

Miss Purple: Maka-feel ka’g jealous sa uban like labi na’g especially sa
imong mga friends. Kaning mag-visit ka didtoa nga part then kompleto sila like
maka-feel jud ka’g ka inggit like hala unfair lagi kaayo sa ilaha ‘la unfair gyud
kaayo unfair gyud kaayo

Mr. Blue: Hala giingon na gud ninyo

Miss Purple: Mao na mao na siya

Miss White: Unfair lang siya

Interviewer: Ikaw po Mister Blue?

Mr. Blue: Na-ingon naman nila. OK lang man ‘no same lang

Interviewer: So, how has your relationship po ba sa imong parents changed

since their separation po? And how has this affected your financial support?
Like, ang relationship po sa inyong parents po ba giunsa po pag-changed
after anang separation? Close pa ba gihapon mo sa both parents or unsa ba?

Mr. Blue: Nag-change ang relationship sa akong side sa kong mother ug ano
side sa akong father since nag-separate akong parents

Interviewer: Like close pa ba mo gihapon karon po?

169
Mr. Blue: Dili na kaayo kay lahi man gud sa una tong wala pa nag-separate
akong parents close mi sa side sa akong mother then since nag-separate
silawala na kaayo mi conversation sa side sa akong mother.

Mr. Magenta: Sa akoa kay ang close ra gyud na ko kay akong mama ra gyud
then akong papa kay conflict bitaw ang relationship namo dili kayo mi,
pagmuadto gud siya sa balay kay dili kayo mi gatingog.

Interviewer: Pero ga-support po siya sa imo financially po?

Mr. Magenta: Usahay ra pagmangayo ko sa iyaha

Miss Maroon: Sa akoa kay dati bag-o sila nagbulag kay dili mi close sa
akoang mama tas karon kay dawat naman pud na ko so OK na gud pero dili
ga-support si mama sa akoa, akong papa ra gyud ang ga-support ba

Interviewer: Ikaw po Miss Purple?

Miss Purple: Ako kay dako kaayo pag bag-o jud like gubot kaayo di’ jud
mawala basta separated ang family like syempre pagkasado po ang imohang
mama ug papa like sa side sa akong mama kay akong mama man ang naay
ano tas lisod gyud kaayo siya kay naay until karon na dili jud wala jud ano ba
na magbati gud like dagko kaayo mga kalagot like lain basta samok gyud
kaayo ang family samok gyud kaayo mao lang to.

Miss White: Ano ang sa side sa akong mother kay dili na jud mi close since
bata pa ko kay ana man akong nawng daw kay naga-symbolize siya sa akong
father so hate jud daw kaayo niya akong nawng murag ing-ana. So, dili jud mi
close then ningsamot siya karon nga nag-separate sila and then sa akong
father pud ten (10) years na mi wala nagkita. So, medyo taas na jud gap ang
amoang kanang closeness bitaw pero hoping gihapon na mag-close bitaw mi
kay syempre father gihapon na ko siya and then father girl like ing-ana. So,
karon kay dili na pud jud mi totally close kay both sa ilaha naa na pud other
families.

Miss Yellow: Sa akong mama kay wala na jud sukad pud atong kanus-a gani
to ha last last year man yata to naga adto man gud siya sa amoa sa mangga
didto man ko nagpuyo sa akong papa. Then, naa pud akong manghud sa
manga so bali kami tanan naguban kay papa unya naga adto siya didtoa kay
naa man akong mga manghud. Unya pagkahuman ato kay medyo naa gud mi
away mao to naglahi sila sa akong manghud. So, mao to sukad pud ato wala
na pud wala na jud mi nag-communicate or mas ninglayo na pud akong loob
sa iyaha.

Interviewer: OK po. Ikaw po Miss Green?

Miss Green: Close naman na ko sila duha kay usahay kay ga-chat chat pa
man pud sila pero pag mangayo lang ug kwarta si papa mao lang.

170
Interviewer: Pero imoha pong relationship sa ilaha wala po nagbag-o sukad
atong nagbulag sila?

Miss Green: Oo

Interviewer: So, did your experience po ba of parental separation during

childhood still affect you until now po?

Miss Green: Oo

Miss Yellow: Oo

Interviewer: How po? How so po? Nganong makaingon man ka po? Ay ikaw
lang sa po Miss Yellow

Miss Yellow: Unsa gani tong question?

Interviewer: Like, karon po ba nakaapekto po ba gihapon ang parental

separation po sa imoha karon na young adult na ka?

Miss Yellow: Oo, makaingon jud ko kay naa man gud part sa akoa nga
makakita ta sa laing uban pamilya ba nga kompleto then imoha kay dili maka-
feel ko ug jealousy kay what if ing-ana diay akong pamilya? Makaingon jud ko
nga nganong ing-ani akong pamilya? Nganong nganong ako man ing-ana?
Nganong akong mama ug papa kay ing-ana? So, mao to makaapekto
gihapon siya sa akoa karon kay dili man gud kaayo siya lalim nga ikaw lang
dili siya lalim nga imong pamilya kay bulag, didto ka nagpuyo sa imohang
papa unya imong mama kay wala pero naa imong papa pero feel nimo kay
ikaw lang gihapon isa murag ing-ana gud makaapekto gyud kaayo siya.

Miss White: Yes, like naa jud times nga mag-breakdown ka ‘no ma-
breakdown ka kay need nimo ug kana bitawng murag maka-lean ka sa imong
problem ma-share nimo kay even though naa kay friends mangita baya
gihapon ka ug moral support sa imohang parents’ kay lahi ra jud pud baya
kung sa ilaha gikan. So, dako gihapon siya’g impact until now like sa akong
confidence ing-ana bitaw kung sa support ing-ana.

Miss Purple: Oh, tama ‘tong imong gi-ingon. Agree jud kaayo ko kay Miss
White kay syempre kung kay karon man gud is kaning labaw na karon sa
generation is more on overthink overthink na ang mga persons unya human
kay lisod kaayo ba nga labi na ako kay father ang nag naa sa ako na dili na
ko murag never na ko na-experience ang mag-share sa akong mama like
syempre pag babae ka makig-open baya jud ka sa mother. So, murag ano
kaayo siya dako gyud gihapon siya impact hantod karon labi na karon nga
daghan kaayo’g problema jud labi na’g babae ka unya maulaw man gud ka
mag-share sa imong papa kay lalaki dili ka gusto mag-open ba. Maong mas
lisod jud kaayo pag-separated.

171
Mr. Blue: O, karon naa gihapon siyay effect hantod sa akoa kay nay times
kada-gabie na mingawon ka kay lahi man gud ang kuan sa imong papa ang
mag-open ka sa imong mama ug sa imong papa. Then, mao lang to.

Interviewer: Kayo po? Ga-affect po ba kini gihapon hantod karon?

Miss Green: Oo, maka-affect gihapon makasuya lang sa uban ba kay what if
buo pud akong pamilya? Ing-ana pud seguro jud mi ka-happy ba. Mao nang
dili na lang jud ko magtan-aw sa uban nga naguban sila tanang pamilya kay
magselos ko.

Mr. Magenta: Karon kay oo syempre makaapekto gihapon siya kay

pagmuadto akong papa sa among balay kay dili gud gatingog akong mama
ug papa then makaapekto siya sa ako kay dili na gyud pareha sa una ba na
happy gud ana.

Interviewer: Ikaw po?

Miss Maroon: Sa akoa karon kay dili na siya maka-affect kay nadawat
naman gud na ko jud

Interviewer: So, next po is gusto po namo matubag is how do young adults

cope with financial problems after the separation of their parents? So, what
kind of support po ba or resources did you have access to as a child or as a
young adult help you influenced your financial outcomes? Like, kinsa po ang
ga-support, unsa po nga support or resources imohang na-access po na
maka-influenced po sa imoha sa financial outcomes?

Miss Yellow: Sa akoa karon is nagatrabaho gyud ko if walay klase sabado

dominggo pero busy man gud kaayo karon maong wala na ko nakatrabaho
unya halos mahutdan na gyud ko’g kwarta karon maong usahay pud kay
ginatawagan ko sa akong tita nga magbantay sa iyahang anak. Mao to
makakwarta pud ko mao jud na ang akong source of income karon nga
nagbulag akong mama ug papa.

Mr. Magenta: Sa karon kay sa akong mama ra gyud ko gasalig kay syempre
kami nga nageskwela pa maglisod pa mi’g pangita’g trabaho

Miss Maroon: Sa akoa kay akong papa ra sad ko gasalig kay wala man koy
work ana

Interviewer: Ikaw po?

Miss White: Like, akong grandma since eight (8) years old elementary
hantod ‘ron siya jud ang nag-support sa akong financial kanangneeded lang
jud na ko sa iyaha jud gikan.

Interviewer: Ikaw po Miss Purple?

172
Miss Purple: Ako syempre sa akong papa then sa mga relatives ni papa like
kung siya naga supporta sa akoa then wala pud nagpasagad ang iyahang
mga side gud, nag-support pud sila sa akoa.

Interviewer: Ikaw po Mister Blue?

Mr. Blue: Parehas mi ni Miss White sa grandmother naga pangayo pud ko’g
uban mga kinanghilanon na ko para sa syempre sa akong pageskwela. Then
naga tunga pud sila sa akong papa ug sa akong lola sa pag supporta sa akoa.

Interviewer: Ikaw po Miss Green?

Miss Green: Ano lang naa man gud koy sosyo dati ba then mao ra to akong
ginahulat unya karon kay wala na.

Interviewer: So like, gapangayo lang ka po sa imohang parents ay sa imong

mama po?

Miss Green: Oo

Interviewer: So, who or what helped you cope with the difficulties of having to
grow up with separated parents? Like kinsa po ang nakatabang po sa inyoha
na makaya ang mga difficulties anang pagdako sa parents ay separated na
parents and what way did they or it helped you po? Like, giunsa po nila
pagtabang?

Miss Yellow: Ang nakatabang lang jud sa akoa financially kay akoang lolo
lang gyud kay mao ra man gud siya ang naga hatag gyud sa akoa. Then ang
akong papa kay dili baya kaayo kahatag sa akoa mao lang jud siya ang
nakahatag sa akoa ug makaeskwela ko maka padayon ko ug eskwela. Akong
lolo lang jud.

Miss White: Ano, mostly like nag-help gyud sa akoa na macope up ang
parental separation kay ang akong grandmother then siya jud mostly ang
nakatabang sa ako emotional support then mentally like kung mag-breakdown
ko even though dili na ko i-share sa iyaha kabalo siya ngano. Unya like
advices ing-ana advices nga need ing-ani aron maka padayun gihapon bisan
pa sa ato nga situation.

Interviewer: Ikaw po Mister Blue?

Mr. Blue: Ano same, sa akong ano lang grandmother lang gihapon siya ang
naga-comfort sa ako kung sometimes naga-breakdown pud ko mao na.

Mr. Magenta: Sa akoa kay akong parents’ kay ginatabangan man gihapon ko
nila sa financial ga-support gihapon sila ba para sa akong pageskwela.

Interviewer: Like kinsa ang nakatabang ay aside po sa financial po kinsa ang

nakatabang sa imoha? Kuntahay imong iro po nakatabang po siya nga i-
comfort ka.

173
Mr. Magenta: Ay wala lang, gina-boost lang na ko akong kaugalingon sa
akong mga amigo labaw na sa akong mga barkada sa sports kay athlete man
gud ko ba then mao lang sa ila lang ko ay sa akong sports lang pud ko
kafocus nalang para mawala pud akong problema about sa pamilya.

Interviewer: Ikaw po?

Miss Maroon: Akoa kay friends, mga makauban na ko sa bike kay athlete
man pud ko ba pareha kay Mr. Magenta ana gud. So, nakatabang pud
akoang pagka-athlete para maovercome pud ang mga problema sa family.
Akoa pud mga ig-agaw ug mga relatives na ko.

Interviewer: Ikaw po Miss Purple?

Miss Purple: Sa akoa kay ang akoang papa gihapon kay happy ko kay diba
kasagaran baya karon is ang papa is murag dili kaayo close sa mga anak
pero pag akoang papa man gud is since gamay pa akong manghud pila gani
edad sa akong manghud ha wala pa jud siya nag one (1) years old gibya-an
na siya sa akong mama then ako seven (7) years old ko. So, nakaya siya sa
akong papa nga ay nakaya niya ang mga paglisod gud nga mao nang siya
gyud ang nagtabang sa ako ani kay sa gamay mi handtod karon kay wala jud
siya ning give up.

Interviewer: So, imong mga friends po ninyo po. Like naga tabang po ba sila
sa inyoha po?

Miss White: Yes

Miss Purple: Yes

Miss White: Like dako kaayo sila’g impact sa amoang confidence sa

socialization bitaw namo kay syempre pag gikan ka sa family na medyo lack
emotionally kay naa jud or dili ka ganahan makipag-talk sa uban.

Miss Purple: Yes

Miss White: Kana bitawng type na person na introvert lang na muhilom lang
sa kilid kay dili ka kasabay sa ilaha and ang friends nimo kay dili ka nila byaan
dinha-a na situation, dili sila musugot nga maghilom hilom lang ka unya nag-
enjoy sila like dako jud kaayo sila

Miss Purple: Like dili ka ma OP like dili pud sila mu-judged the way nga
separated ka. Actually, i-share pud na mo sa ilaha then muhatag sila’g advice
unya makagaan pud sa among na-feel na mga advices nila.

Mr. Blue: Mao ra to, naingon na pud nila

Interviewer: Ikaw po Miss Green? Like, kinsa po ang nakatabang po sa

imoha na makaya ang mga difficulties po? Like, friends ba or sarili ba?

174
Miss Green: Akong step sister lang sa side ni papa ginatambagan lang ko
nila na dili lang daw magpadala.

Interviewer: So, how do you balanced po ba ang financial stresses of your

parent’s separation po with other aspects of your life, such as relationship,
education, and career? Like, giunsa po ninyo pag-balanced ang financial
stresses sa lain pa po ninyo na mga aspects of life pareha anang education
po murag giunsa ninyo pag-balanced po ba. Ikaw po Mr. Blue?

Mr. Blue: Ano lang jud tipid tipid lang jud kay naa may sometimes nga walay
kwarta kay tungod pud lagi sa trabaho magundang undang imohang parents.
So, ano lang jud tipid lang.

Mr. Magenta: Sa akoa kay sa pageskwela like kulang ang ginahatag sa

akong mama, mangita nalang ko ug paraan para makaeskwela.

Interviewer: Like, giunsa po ninyo pagpangita ug mga paraan po?

Mr. Magenta: Mag-side line ko ug trabaho ing-ana

Miss Maroon: Sa akoa kay ambot lang bisag unsa man akong iingon kay
papa ba kay mahatag man gud dayon niya. Kuntahay sa eskwelahan kay
mahatag man gud dayon niya gud pareha anang mga project or bayrunon

Miss Purple: Ako is ang pag-balance is as a person is pag dili kaayo nimo
makuha imong gusto nga kaning gusto gyud kaayo nimo unya human lack of
financial ka like dili makaya ug provide sa imong parents. So, ang mabuhat
nalang jud is musabot nalang jud ka, mu-balance nalang jud ka unya muingon
lang ka’g “ah okay, sunod nalang naa pa may sunod”. Like tama to siya Mister
Blue nga tipid tipid lang jud.

Miss White: Yes, sa giingon ni Miss Purple na if daghan kaayo ka’g wants
noe ma-attract gyud baya ka sa mga gamit nga gusto gyud kaayo nimo pero
kay nagtipid ka kay daghan pa ka’g others supportahan nga mas importante
pa ato unya pugong-pugong nalang sa jud. Naa jud ta ana para na jud seguro
sa imoha so if dili pa karon like

Interviewer: So, needs ang unahon kaysa sa wants?

Miss Purple: Yes

Miss White: Yes, needs kaysa wants

Interviewer: Ikaw po?

Miss Yellow: Para sa akoa man gud naglisod jud ko’g balance kay akoa ay
kuan man gud ko unsa tawag ana ha dali raman gud ko maapektohan gyud.
So, para sa ako maglisod jud ko’g balance kay once man gud na masobrahan
na ko ug problema kay makahuna huna nalang man gud ko ug suicide ana.

175
So, akong bali ang akoang solusyon sa akong mga problema nalang gyud
kay suicide nalang jud. So, mao nalang jud na akong mahuna hunaan dili na
ko makaingon nga mabalanse pa na ko ang tanan na kong problema kay mao
ra man jud akong mahuna hunaan gud once na masobrahan jud ko sa akong
mga problema. So, mao to.

Interviewer: Ikaw po Miss Green?

Miss Green: Same lang kay Miss Yellow, sa kadaghan na ko’g problema ba
makahuna huna nalang pud ko ug suicide unya maghikog unya dili nalang
pud na ko dayunon kay naa pa man gud si mama.

Interviewer: So, next question po is mga insights po of young adults have

gained from their experience of financial problems caused by parental
separation? So, pwede po ba mo mag-share ug some specific insights or na-
learned po nimo from your experience of financial problem caused by your
parents’ separation po? Like, mga na-learned po nimo ana.

Miss Yellow: Ako lang masulti ay dili man gud pasabot nga naa ka sa imong
isa ka parent enough na ang financial support nila kailangan man jud ang
duha ka parents na mag-support sa imo pareha man gud sa akoa gud kay dili
mag-support ang mama sa akoa kay tungod daw kay naay trabaho akong
papa or responsibility jud daw sa akong papa nga mag-provide pero unsaon
man nga dili man enough iyahang pag-provide dapat kailangan sila jud duha
unya dili man siya mu-provide gud sa akoa. So, mao lang akong ma-share
nga kailangan bulag mo dapat kamo jud duha ang mag-support sa inyohang
anak dili kay ang isa lang gud unya isa pa kung naa moy problema dili ninyo
ipahungaw sa inyong anak kay makaapekto man gud sa ilaha gud kay
makahuna huna gud sila kung nganong ing-ana nganong naay problema si
papa nga ing-ana tungod man na sa akoa, tungod mana kay nganong tungod
mana nga tungod mana sa ako, tungod kay nageskwela ko tungod kay
pabigat ko, tungod kay wala pa koy trabaho wala pa koy matabang ing-ana ba.

Interviewer: So, mao po na imong na-learned po?

Miss Yellow: Oo

Interviewer: Ikaw po Miss Green? Na-learned po nimo sa imong experienced

po karon anang parental separation po?

Miss Green: Wala gyud koy na-learned.

Interviewer: Kayo po?

Mr. Magenta: Sa akoa kay ayaw kayo isalig permente sa imong mga
ginikanan kay syempre ikaw nga nageskwela kay kinahanglan gyud nimo
maningkamot na maka-earn gyud ka’g imohang kwarta.

Miss Maroon: Akoa kay same ra kay Mr. Magenta pero ang na-learned na ko
about sa ing-ana kay mu-fight lang gyud sa life bisag unsa kalisod sa imong
experience anang parental separation.

176
Interviewer: Ikaw po ba Miss White?

Miss White: Independent. I mean, ma-learned nimo nga ma-independent ka

kay nagdako ka nga wala kay ma-lean even though nay nag-support sa
imohang back pero dili always naa. So, kasagaran jud ana is self-support so
ikaw jud permente ang naga-strenght sa imohang self na OK rani na makaya
rani. So, ano na-learned jud na ko tong pag parental separation is ma-
independent like makaya nimo siya as long as dili pud nimo pasagdan ang
imohang sarili bitaw nga makaya ra jud nimo ma-up ka ayaw lang jud
pagpadala bisan sa kadaghan problema bitaw like karon lang sa na day ang
problemaha ayaw sa ang tomorrow.

Interviewer: Mao nang imohang na-learned po?

Miss White: Oo

Miss Purple: So, ang na-learned na ko sa sama sa gi-ingon ni Miss White na

independent women char. So, ang akoa is ano lang be strong na akoa jud na-
learned ani is kabalo man jud ta nga asa sa part sa separated parents or naa
jud mga kaselos nga kompleto ang pamilya labi na’g pag muadto’g gawas.
Like, madama jud nimo nga like ang akoa lang jud na-learned is sukad na
nag-separate nila is be strong lang jud pakatatag lang jud kay wala man naa
naman jud siya sa imoha dili naman jud na mawala. So, wala buhaton nalang
jud nimo is be strong then himuon nimo silang inspiration na sa sunod na ikaw
ang magkapamilya dili nimo parehason sa ilaha.

Mr. Blue: Sama lang pud sa gi-ingon ni Miss White nga self-support lang jud
kay na-learned na ko sa pag-separate sa akong parents’ kay dili tanan mag-
stay sa imoha.

Interviewer: So, naa pud ba moy in terms of finances naa pud ba moy ma-
learned unsaon pag manage like from your experience gud giunsa ninyo pag-
manage sa inyong financial giunsa ninyo pag-control sa inyong money like
nag tigom ba ka or something ana. Naa ba moy na-learned ana?

Miss White: Sa akong part ‘no kay one-day millionaire man jud ko bisan pag
wala nay kwarta bitaw like labi na’g deserve ko ni kay sa kahago na ko
deserve ko ni. Sa kadeserve na ko ani wala na koy kwarta mabilin. So,

Miss Purple: Ing-ana gyud, sa karon man gud kay murag matintal jud ka ba
like

Miss White: Yes, daghan kaayo ka’g mga wants na gusto jud nimo siya
makuha

Miss Purple: Like, labi na’g magtapok mo mag-friends like lain man gud nang
ikaw lang mabilin unya nagkaon-kaon na sila unsa mani. Mura ko’g buang ani

Miss White: Yes, naa kay friends na gastador pud kaayo

177
Miss Purple: O gani tapos ikaw murag unsa mani

Miss White: Pero interms nga naa kay kailangan jud kaayo bisan pag gusto
jud kaayo nimo nga want jud nimo kay pugong

Miss Purple: Pugong nalang jud

Interviewer: So, kanang experience po ninyo anang parental separation po

giunsa po pagbag-o sa inyohang panan-aw po sa kinabuhi like panan-aw po
sa family, nagbag-o po ba. Like, na-negative po ba ana.

Miss Yellow: Akong ma ano lang is naa siya kuan na-negative gyud siya kay
unsa na unta dili ay mahuna hunaan na ko ba nga unsa na sila mama man
gud kay kadali ra kaayo sila nagkaila unya nabuntis dayun si mama sa akoa.
So, unsa dati man gud nga dati sa mga tigulang ba once nga maguyab uyab
na is pakasal na dayun ana-ana kay may pa man karon nga naguyab uyab
nga maabot ug kanang two (2) years na mga ing-ana magdugay jud ba kay
makaila jud ninyo ang isa’t isa dili pareha sa unang panahon nga magkaila
lang gani ipakasal na ana-ana. Mao to baskin pa ug kuntahay baskin pag
mabuntis pa ang babae kung unsa gyud kung dili gani sila para sa isa’t isa
unya dili gyud nila gusto dili na ipugos nga ipakasal kay lain man gud kaayo
kay maka-caused man gud siya, maka-caused siya ug negative sa bata gyud
kung dili gyud sila para sa isa’t isa dili na gyud pugson kay lisod kaayo nga
ang bata maoy maapektohan sa ilahang sariling problema ing-ana.

Interviewer: So, mao po na ang nakapabag-o sa imong panan-aw dapat dili

madali-on?

Miss Yellow: Oo, dili dapat madali-on

Miss Purple: Ikaw?

Miss White: Ah kung sa ano sa pagbulag sa parents jud na ko kay na-

changed gyud akong panan-aw sa life kay happy baya mi first like happy
family and then one day kay mukalit ra siya ug maing-ana mausab siya. So,
mao to mausab akong panan-aw like every family naa jud problem or nay
time nga magbulag jud diay ang tanan like walay mag-stay? Ing-ana ba unya
pero as time goes by kay mabag-o imong panan-aw actually dili tanan ing-ana
depende siya sa nag-handle sa family ing-ana bitaw like kung isa ra mu-
support dili jud siya mag-work dapat both side jud ang mag-work. And then
ang na-learned na ko is if ever magka-family man ko soon kay dili na ko siya
i-same sa akong parents nga lack of communication kay like trust issues pa
jud ninyo unya walay assurance. So, dili jud ko sure kung kana bitawng
imohang pagsalig kay naa gihapon. So, importante kaayo nga sa family kay
both mo mag-support unya need gyud siya ug communication.

Interviewer: Ikaw po Miss Purple?

Miss Purple: Ayy unsa gani tong pangutana?

178
Interviewer: Like, how has your experience of dealing with financial problems
caused by parental separation shaped your outlook on life?

Miss Purple: Ay wala gihapon siya nagbag-o like as same sa kana ganing
‘tong pagbulag jud nila nga adlaw is ako man gud mismo is ay nag-separate
man gud sila is into ano lang walay closure ba like ano lang siya into phone
lang and then nabalitaan nalang na mo nga naa na diay ano si mama like
murag lain. So, murag akong panan-aw is dili pud jud magbag-o kung unsa
jud ang nasugdan is mao na jud na dili na jud dili na jud ko dili na jud mabag-
o akong panan-aw sa ilaha.

Miss White: Wala pa jud nimo na view gyud ilahang

Miss Purple: Yes, wala jud. So, akong na-learned ani is ang learned na ko
ana is sama sa tama tong gi-ingon ni Miss White na dili jud ay kaning dili na
ko i-experience puhon kung ako man ang magkapamilya ang na experience
na ko karon kay kabalo jud ko sa ma-feel kung unsa jud ang situation ba kung
unsa ka lisod ang as a student, as a person nga dili complete ang family. Mao
ra to.

Interviewer: Ikaw po Miss Green? Unsa po nakapabag-o po sa imohang

panan-aw sa kinabuhi anang parental separation po?

Miss Green: Wala man gihapon nag bag-o

Interviewer: Ikaw po Mister Blue?

Mr. Blue: Hala pareha raman mi uy. Ano pareha lang jud sa ano sa gi-ingon
ni Miss Purple kung ang sa on phone lang ang sa ano

Miss Purple: Ikaw?

Mr. Blue: Oum

Miss Purple: Lisod kung sa ano

Miss White: Dili pa ka sure kung asa ang tinuod

Miss Purple: Oo maglibog man gud ka kung kinsa jud ang sa tama ug sa
mali like ikaw nga tao ikaw nga person nga naa ka sa point or naa ka sa
punto sa imong papa. So, maisip nimo nga mali ang side ni mama pero sa
tinuod diay is naa pa jud diay mga lalom nga rason nganong ing-ana. So,
tama ‘tong giingon ni Miss White nga dapat jud naay

Mr. Blue: Communication

Miss Purple: Communication

Interviewer: Kamo po?

179
Mr. Magenta: Sa kana nga question kay wala koy matubag ana kay wala
man gud nagbag-o akong panan-aw sa akong ginikanan

Miss Maroon: Sa akoa kay wala, wala may changes gud sukad atong
nagbulag sila like positive man gihapon akong panan-aw sa life bisan ug
nagdako ko sa ing-ani nga situation.

Interviewer: So, in what ways po ba anang experience nimo shaped your

perspective po kung unsa kaimportante ang financial education ug planning
po? Like, sa inyong experience po ba unsay nakapa-shaped po sa inyohang
huna huna naimportante man diay ning financial education ug planning labon
na’g bulag akong parents ana.

Miss Yellow: Importante gyud siya dili lang sa katong naka-experienced ug

separation but also sa naka-experienced pa jud ug poverty kay ay especially
man gud kay inyong topic kay separation man importante siya kay tungod kay
wala man gud kay laing saligan. So, kailangan jud nimo mag-save para sa
imong kaugalingon miskin bata pa ka kailangan jud nimo mag-save sa imong
kaugalingon para sa imong future nga imong gastuhan aron dili ka ma-short
sa imong mga kailangan gud paliton especially student ka kailangan jud siya
mag-save kay kung naa gani kailangan. Kung naa gani pareha na ko pareha
sa ako na naka-experience ug kalisod sa kinabuhi kailangan gyud
magtrabaho kailangan gyud ko magtipid gyud as in para jud masigo jud siya
sa ano masigo gyud siya sa akong mga kailangan nga paliton.

Miss Purple: Ako, ako. Ano importante jud siya sa amoang ano like syempre
as a part sa separation ay ikaw nga students nga na unsay tawag ana gani

Interviewer: Na-experience?

Miss Purple: O naka-experience ana nga situation is siya dako siya’g ano sa
akoa kay dapat man gud ay nakalimot lagi ko sa akong iingon nahuna-hunaan
naman unta na ko to. Wait wait lang. Para lang man pud gud na sa imong
kaayuhan kung kay bali ikaw lang man gud ang maka kung wala kay karamay
nga inahan. So, it’s up to you nalang jud nga kayanon nimo ang tanan. So,
naa ra jud sa imoha nga magtipid ka naa ra sa imoha nga dili nimo or dili ka
mag about sa finances unsa ni kaning

Miss White: About sa imohang planning

Miss Purple: O sa planning nimo sa imong kinabuhi like ikaw lang jud ang
mag naa ra sa imohang decisions na. So, para sa akoa kay sa pag bulag sa
akoang mama ug papa permente ko ga-mind nga mudesisyon ko sa tama kay
syempre lisod kaayo nga dili mi kompleto nga ako lang gud ang mag-decide
like gusto pud na ko ba nga i-share na ko sa akoang papa pero syempre kay
wala koy mama maulaw jud ko musulti kay papa ambot uy since ano pa jud
ah since ano pa jud bata pa ko kay never jud ko nag-share kay papa about sa
problems tungod ana isa pud na sa dahilan nga na maglisod ko. So, sa
pagtipid tipid jud ka pero karon kay

180
Miss White: Pero gusto gihapon

Miss Purple: Makagasto man gud gihapon ka kay grabe na’g gastuhon sa
pageskwela amutan palang daan sa PR pa kay dili pud kaayo gasto. So, wala
jud kay mabilin sa imong self so dili jud pag kana ang hisgutan kay syempre
maguna ka sa studies kay para mas matustusan nimo ang paghago sa
imohang parents.

Interviewer: Sige. Ikaw po Mister Blue? Like importante po ba kaayo ang

financial education and planning para sa imoha? Like sa naka-experience
tungod atong sa na-experience nimo?

Mr. Blue: Importante gyud ang pagipon or pag-control sa imong mga

gastuhon kay syempre wala man ta kabalo kung sa atong mga gastuhonon sa
mga butang nga maabot pa nga adlaw. So, importante gyud ang pagplano sa
atong financial kay lahi raman gud kung ang imong isa ka-parent ang mu-
support sa imoha murag kulang gihapon siya ug magipon jud ka importante
jud na kay ang financial education para sa akoa.

Miss White: Sa akoa kay sa perspective of the importance of financial

education and planning kay importante kaayo siya kay imong future gud na
nimo imong education ‘di ba? Like bisan pag dili ang education ang cases sa
finances kay diha gihapon ka maapil gihapon ka sa education kay syempre
unsa paman diay ang imong i-educate nimo imong self first unya sa planning
kay mausab gyud imong plano lang if taas kaayo ka’g pangarap sa imohang
self and then walay support na parents especially kay financial kay dako man
gyud na’g bayrunon like if naa kay plan for future sa imohang course kwaon
naa man jud nay mga gastuhonon jud kaayo. So, mausab gyud imohang
planning ma-change inyohang perspective like gusto kaayo na ko ni gusto na
ko maabot kaya sa imohang talent pero dili kaya sa imohang financial. So,
mausab gyud siya like mausab jud imohang perspective ana pero even
though nga kung makaya nimo’g support like sa working student kaya nimo
mu-support imohang financial education kay financially jud need sa education
kay even if kaya lagi sa imohang talent dili kaya sa imohang financial. So, dili
gihapon nimo siya kayang abton pero hinuon naay scholarship so kaya ra na
abton. So, sa context of separation or divorce unya financially education and
planning naay mga changes jud na mahitabo especially kung ikaw ray nag-
support sa imong self.

Interviewer: So, ikaw po Miss Green? Like, para sa imo po unsa po

kaimportante ang financial education po and planning?

Miss Green: Same lang man po sa kay Miss Yellow

Interviewer: Same lang po sa iyaha na kailangan magtipid?

Miss Green: Oo

Interviewer: Kayo po Mr. Magenta and Miss Maroon?

181
Mr. Magenta: Sa akoa kay kinahanglan jud siya na magplano sa ay
importante man gyud nang financial education and planning labaw na
pagmusulod ka or magkafamily ka in the future kay lain man gud kayo na
musulod ka ana nga butang unya wala diay kay kwarta na ikagasto maong
karon na bata pa ka dapat gyud na maka-learn na ka about sa financial and
planning kay para dilli ka mapareha sa imong parents ba nga nagbulag lang
kay tungod dili pa stable sa financial.

Miss Maroon: Same ra kay Mr. Magenta

Interviewer: So, looking back on your experience po what advice po ba

pwede ninyo mahatag sa uban nga young adults naka-experienced pud
pareha sa inyohang na-experienced karon? Like nakaproblema pud sa
financial issue tungod kay bulag ang parents? Ikaw po?

Mr. Magenta: Wait lang maghuna-huna sa ko.

Interviewer: Ikaw po?

Miss Maroon: Sa akoa kay akong ma-advice lang kay dili sila magpaapekto
sa ilang situation karon sa parental separation dapat ipakita niya nga bisan ug
dili complete iyang parents’ kay kaya gihapon niya like mulaban gihapon siya.

Mr. Magenta: Ay sa akoa kay laban lang sa kinabuhi ug akong maingon kay
bisan ug bulag imong ginikanan kay naa gihapon ang kanang ginoo bitaw na
mubantay sa imoha ana.

Miss Yellow: Akong ma-advice lang kay kapoy siya pero padayun lang
gihapon kay unsa-on taman wala naman tay mabuhat kay sala mana nila, dili
mana na to sala nga ing-ana sila. So, wala tay mabuhat magpadayon nalang
ka ug ayaw i-mind kung unsa ang mga swerte sa ubang tao ana unya
kayanon lang jud maskin lisod.

Interviewer: Ikaw po Miss White?

Miss White: Sige. So, akong ma-advice lang base sa akong experience ‘no
kay nga kung naa kay pangarap jud is abta jud na if bisan pa ug ma unsa na
uy ma-delay bitaw ma-delay kay makaharang gyud na labi na’g financial as
long as makaya nimo’g padayon padayuna kung naay mga ways ayaw lang
nang mga ways nga wala na pud na mao ha, mga ways nga kaya jud nimo
abton nga pangarap nimo is abta jud as in. As long as makaya nimo kay wala
man gud ay pwede mana nimo mausab imohang plans pero kung kato jud
stick sa plans ka focus ka sa goal bisan pa’g dili naman gud na nimo makit-an
ang imohang mga makababag sa imohang plans kung focus kaayo ka sa
imohang goal like fr paningkamuti na makuha imong goal. Be strong lang sa
imoha like giingon ni Miss Purple kaganina nga as long as strong ka unya
kaya nimo abton without the help of your parents both I mean need man gyud
nimo na pero kung both sila need kay medyo lisod jud na labaw na kay
parental separation is kayanon nimo, kaya lagi nimo na.

182
Miss Purple: So, akong ma-advice ‘no kay syempre sa as a na part sa ani na
situation is ano lang jud ayaw jud ayaw i-look back imohang mga past nga
unsa ang mga nakuan nimo unsa imohang na unsa ni

Miss White: Sa imong present

Miss Purple: O, sa imong focus ka sa present kay as ikaw nga na advice

lang na ko kay pag once nga separated ka is maglisod ka ug decide sa imong
mga goals kay kulang ka ug support sa parents mao jud na siya ang pinaka
una. So, akoa lang ma-advice is be strong and ayaw i-mind ang mga past
nimo nga nahitabo sa una just mind yourself nga kaya nimo abuton tanan nga
ug makaya nimo ma mapanindigan nimo ma-prove nimo sa imong self ba nga
kaya ra, kaya ra diay nga wala koy parents, or kulang akong parents isa ra
nga parent ang nag-support sa akoa kaya raman diay. So, ang ako lang ma-
advice is be strong lang jud then pray lang kay loard nga maabot jud na
permente imong mga goals sa life.

Mr. Blue: Ako dili man jud kaayo ko good sa mga advice advice sa mga tao.
Akong ma-ingon lang jud is i-support lang jud imong sarili ‘tong parehas sa gi-
ingon ni Miss Purple be strong lang and fight and keep following your goals
nga hantod maabot nimo na siya. Then, mao ra pud to kung unsa imong past
dili na pud nimo siya i-mind ang imong focus lang imong present ug mga
maabutay pa na days.

Interviewer: Ikaw po? Like gamay lang gyud nga advice po like unsa po
inyong pwede ma-advice?

Miss Green: Ano lang paningkamot, maningkamot jud ka’g imo

Interviewer: Sige mao lang po tong questions po. Thank you po kaayo sa
cooperation.

Miss Maroon: Sige, thank you pud

Mr. Magenta: Thank you sad

Miss Yellow: Salamat

Miss Green: Salamat

Miss Purple: Thank you

Miss White: Thank you

Mr. Blue: Thank you

Avril Leigh Cahanap

Researcher

183
 APPENDIX D

Participants Certification

184
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Annika Remilda
Laisa Lumaan, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Annika Remilda Laisa Lumaan 06-05-23

Participant Signature Date

185
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held last 06-
16-23 at Tagum City National High School regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Eddie Juan A.
Arcega, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Eddie Juan A. Arcega 06-16-23

Participant Signature Date

186
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Joey Lane
Herbito, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Joey Lane Herbito 06-05-23

Participant Signature Date

187
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Jorelyn C.
Martinez, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Jorelyn C. Martinez 06-05-23

Participant Signature Date

188
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Levine Morales,
I hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Levine Morales 06-05-23

Participant Signature Date

189
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Angel M.
Polenio, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Angel M. Polenio 06-05-23

Participant Signature Date

190
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Manilyn D.
Grancho, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Manilyn D. Grancho 06-05-23

Participant Signature Date

191
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Jaison Vinnie
Maniling, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Jaison Vinnie Maniling 06-05-23

Participant Signature Date

192
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Aldrey Pond, I
hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Aldrey Pond 06-05-23

Participant Signature Date

193
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Alessandra
Trisha Quijada, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Alessandra Trisha Quijada 06-05-23

Participant Signature Date

194
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Brillian Lizbeth
Abella, I hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Brillian Lizbeth Abella 06-05-23

Participant Signature Date

195
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Christian Neil
Elipian, I hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Christian Neil Elipian 06-05-23

Participant Signature Date

196
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-16-23 at Prk 6- Gemini Village Apokon regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Jocy Ann B.
Arsolon, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Jocy Ann B. Arsolon 06-16-23

Participant Signature Date

197
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-17-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Stella Merisa
Balidio, I hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Stella Merisa Balidio 06-17-23

Participant Signature Date

198
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (IDI) held
last 06-05-23 at Arriesgado Visayan Highway regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated" conducted by the investigator herself, Marla M. Caton,
I hereby attest to the truthfulness and accuracy of the data. I therefore
categorically declare it as the same information that I have provided during
the audio-recorded interview and that those words are the exact same words I
uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Marla M. Caton 06-05-23

Participant Signature Date

199
 PARTICIPANT'S CERTIFICATION

After carefully reading and checking the transcription of the (FGD) held last
06-05-23 at Arriesgado Visayan Village regarding my concept of "A
Phenomenological Approach Into The Experiences of Young Adults Whose
Parents are Separated)" conducted by the investigator herself, Eliyah Faith
Labastida, I hereby attest to the truthfulness and accuracy of the data. I
therefore categorically declare it as the same information that I have provided
during the audio-recorded interview and that those words are the exact same
words I uttered in response to the investigator’s queries.

Among other things, the investigator has also correctly described the
circumstances surrounding the said interview, named the time and the place
of the meeting has kept his/her word that he/she will provide an opportunity to
verify the information I have given during the interview.

Eliyah Faith Labastida 06-05-23

Participant Signature Date

200
APPENDIX E

Audit Trail

201
 AUDIT TRAIL

THEMES ARCHIVAL #
1. What are the experiences of young adults regarding financial problems
caused by parental separation?

Miss Yellow
Miss Brown
Mr. Blue
Financial Hardship
Miss Sky blue
Miss Green
Miss Grey
Miss Purple
Mr. Blue
Miss Pink
Stable Financial Despite Separation
Mr.Red
Mr. Beige
Miss Indigo
Mr. Magenta
Parental Absence
Miss White
Miss Yellow
Miss White
Miss Sky blue
Shift in Relationship Dynamics
Miss Yellow
Mr. Blue
Miss Grey
Seeking Parents’ Love and Attention Miss Sky blue
Miss Green
2. How do they cope with financial problems as young adults who
experience parental separation? ?

Miss White
Miss Brown
Miss Purple
Diverse Support System Miss Black
Miss Sky blue
Mr. Beige
Miss Indigo

Miss Sky blue

Miss Black
Balancing Educational and Financial Miss Indigo
Concerns Miss Brown
Mr. Beige

Miss Pink
Miss Sky blue
Self-Care and Personal Growth Miss Indigo
Mr. Beige

202
 Miss Brown
Adaptive Financial Strategies Miss Yellow
Miss Orange
3. What are the insights young adults have gained from their experience of
financial problems caused by parental separation?
Miss Orange
Miss Pink
Miss White
Independence and Self-reliance
Mr. Beige
Miss Black
Miss Sky blue
Miss Black
Miss Pink
Miss Orange
Financial Education and Management Miss Brown
Miss Grey
Miss Brown
Miss Indigo
Mr. Magenta
Miss Brown
Positive Mindset Approach Miss Purple
Miss Grey
Miss Indigo
Miss Purple
Miss Yellow
Shifting Perspective on Family
Miss Indigo
Miss Pink

203
 APPENDIX F

Editor’s Certification

204
 EDITOR’S CERTIFICATE

This is to certify that I have reviewed and checked the manuscript titled “A
PHENOMENOLOGICAL APPROACH INTO THE LIVES OF YOUNG
ADULTS WHOSE PARENTS ARE SEPARATED”, for the second semester
of S.Y. 2022-2023.

______________________
Editor

205
CURRICULUM VITAE

206
 CURRICULUM VITAE

Avril Leigh J. Cahanap

09501242624
avrilcahanap06@gmail.com

EDUCATIONAL BACKGROUND

Secondary : Tagum City National High School

Mangga,Visayan Village, Tagum City
Senior High
S.Y. 2022 - Present

Secondary : NDC Tagum Foundation, Inc.

Apokon, Tagum City
Junior High
S.Y. 2018-2022

Elementary : Apokon Elementary School

Apokon Road, Tagum City
S.Y. 2012-2018

207
 CURRICULUM VITAE

Leo Angelo Cajes

09317344646
cajes30leoangelo@gmail.com

EDUCATIONAL BACKGROUND

Secondary : Tagum City National High School

Mangga,Visayan Village, Tagum City
Senior High
S.Y. 2022 - Present

Secondary : Elizalde National High School

Elizalde, Maco, Davao de Oro
Junior High
S.Y. 2018-2022

Elementary : Elizalde Elementary School

Elizalde, Maco, Davao de Oro
S.Y. 2012-2018

208
 CURRICULUM VITAE

Niña Bridget M.Manasan

09603492366
manasannina068@gmail.com

EDUCATIONAL BACKGROUND

Secondary : Tagum City National High School

Mangga,Visayan Village, Tagum City
Senior High
S.Y. 2022 - Present

Secondary : University of Cebu

Cebu City
Junior High
S.Y. 2018-2022

Elementary : Daanbantayan Elementary School

Daanbantayan, Cebu
S.Y. 2012-2018

209
 CURRICULUM VITAE

Abegail Landanganon
09301238404
landanganonabegail@gmail.com

EDUCATIONAL BACKGROUND

Secondary : Tagum City National High School

Mangga,Visayan Village, Tagum City
Senior High
S.Y. 2022 - Present

Secondary : Tagum City National High School

Mangga,Visayan Village, Tagum City
Junior High
S.Y. 2018-2022

Elementary : Mangga Elementary School

Mangga,Visayan Village, Tagum City
S.Y. 2012-2018

210