SURVEY ON THE BUDGETING AND SPENDING

HABITS AMONG SENIOR HIGH SCHOOL STUDENTS

OF SAINT JOSEPH COLLEGE

Aguelo, John Peter Asis, Angel

Epiz, Hanz Glenn Cabero, Joyce Chloe
Sagarino, Reneboy Morano, Jaesser Anne
Salvino, Joye Alexis Vasques, Jenevey
Villa, Joan Stephanie
STATEMENT OF THE
PROBLEM
RATIONALE
CONCEPTUAL
FRAMEWORK
SCOPE AND
DELIMITATION
SIGNIFICANCE OF
THE STUDY
THEMES OF RRL
RESEARCH
METHODOLOGY
RESULTS
FINDINGS AND
CONCLUSION
OUTPUT
STATEMENT OF THE
PROBLEM
RATIONALE
Statement of
CONCEPTUAL
FRAMEWORK the Problem
SCOPE AND
DELIMITATION
SIGNIFICANCE OF 1. What are the budgeting habits of students?
THE STUDY
THEMES OF RRL 2. What are the spending habits of students?
RESEARCH
METHODOLOGY 3. What is the effect of spending habits on budgeting habits?
RESULTS
4.Is there a significant relationship betweeen the spending and
FINDINGS AND budgeting habits of students?
CONCLUSION
OUTPUT 5. What output can be generated from this study
STATEMENT OF THE
PROBLEM
RATIONALE
Rationale
CONCEPTUAL The effects brought by the pandemic lead us to conduct this study to help
FRAMEWORK Senior High School Students gain awareness of their budgeting and
spending habits. From budgeting the allowance to spending it, all has gone
SCOPE AND changed and it caused an impact to student’s behavior
DELIMITATION
SIGNIFICANCE OF
THE STUDY The researcher lost the control to his budgeting as he gets overwhelmed
with the new habits of spending, shopping a paying, in short, he
THEMES OF RRL developed the new habit of spending too much money for his
RESEARCH uncontrollable desires and needs.
METHODOLOGY
According to (Messinger, 2018), every parent approaches their student’s
RESULTS
financial responsibilities differently, with the amount of allowance their
FINDINGS AND parents giv directly proportional to the way they manage and spend their
CONCLUSION finances. It has been established that if a student receives a lower
allowance, hr or she is aware that there is less money to spend
OUTPUT
STATEMENT OF THE
PROBLEM
RATIONALE
Conceptual
CONCEPTUAL
FRAMEWOR Framework
SCOPE AND
DELIMITATION
Jeevitha, Priya2, 2019 Tanwar (2012)
SIGNIFICANCE OF
THE STUDY
THEMES OF RRL SPENDING BUDGETING
HABITS HABITS
RESEARCH
MEETHODOLOGY
RESULTS Financial
Satisfaction
FINDINGS AND
CONCLUSION
OUTPUT Intervention
Program
STATEMENT OF THE
PROBLEM
RATIONALE
Scope and
Delimitation
CONCEPTUAL
FRAMEWORK
SCOPE AND
DELIMITATION
SIGNIFICANCE OF This research aims to survey the spending and budgeting habits
THE STUDY of Senior High School Students. The respondents of this study
are the Senior High School Students, it may not be represent the
THEMES OF RRL specific setting of the study, thus resulting in a reliability and
RESEARCH accuracy concern. The time frame.
METHODOLOGY
Searching, analyzing and interpreting the experiences of the
RESULTS participants take up much time that is compelling for us to
FINDINGS AND accomplish in the allotted time.
CONCLUSION
OUTPUT
STATEMENT OF THE
PROBLEM
RATIONALE
CONCEPTUAL Significance of the Study
FRAMEWORK
SCOPE AND
DELIMITATION
This study will provide recommendations for the students to spend their money
SIGNIFICANCE OF wisely, thus improving their spending behavior. School administrators will become
THE STUDY more aware of their student’s budgeting and spending habits. This research will
THEMES OF RRL assist teachers in instilling budgeting and spending habits in their students. They
have the ability to provide advice and raise awareness for all the students. This will
RESEARCH benefit the parents as they gain a better understanding of their children’s budgeting
METHODOLOGY and spending habits. Through this study, future researchers who pursue to
RESULTS understand the spending and budgeting behavior of students will have prior
knowledge of the results, which will help them in formulating better and more
FINDINGS AND consolidated research.
CONCLUSION
OUTPUT
STATEMENT OF THE
PROBLEM Themes of RRL
RATIONALE
CONCEPTUAL
FRAMEWORK
SCOPE AND
DELIMITATION Spending Habits
SIGNIFICANCE OF (Journal of Economic Info, 2018)
(Japanese Psychological Research, 1982)
THE STUDY
THEMES OF RRL Budgeting Habits
(Bona, 2018)
RESEARCH
(Tanwar, 2012)
METHODOLOGY (Ganti, 2021)
RESULTS
FINDINGS AND
CONCLUSIONS
OUTPUT
STATEMENT OF THE
PROBLEM Research
RATIONALE
CONCEPTUAL
FRAMEWORK
Methodology
SCOPE AND • Research Design
DELIMITATION - Descriptive Research
• Research Environment
SIGNIFICANCE OF - Saint Joseph College SHS Department
THE STUDY • Research Respondents
THEMES OF RRL - 100 Grade 12 students
• Research Instrument
RESEARCH - Questionnaire
METHODOLODY • Data Collection Procedure
RESULTS - Permission Letter to Dr. Jhoanne L. Costillas, Sir Jayson Orais and to the
respondents of the study
FINDINGS AND
• Data Analysis/Statistical Treatment
CONLUSION 1. Weighted Mean
OUTPUT 2. Spearman Rank Correlation
3. Regression
STATEMENT OF THE
PROBLEM
RATIONALE
Results
CONCEPTUAL
TABLE 1:
FRAMEWORK ADEQUACY OF SAMPLE
SCOPE AND
DELIMITATION
SIGNIFICANCE OF
THE STUDY
THEMES OF RRL
RESEARCH
METHODOLOGY
RESULTS
FINDINGS AND
CONCLUSION
OUTPUT
 TABLE 2:
RELIABILITY STATISTICS

VARIABLES VARIABLES No.No.

Ofitems Cronbach's Alpha
Ofitems Cronbach's
Alpha
SPENDIING HABITS 9 .815 RELIABLE
BUDGETING 9 .752 RELIABLE

SPENDIING HABITS 9 .815 RELIABLE

BUDGETING 9 .752 RELIABLE

TABLE 3:
THE LEVEL OF SPENDING HABITS AMONG SHS STUDENT
Indicator n WMR Std. Deviation DER

100 4.07 1.018 M

1.Buying basic necessities or school supplies.

100 2.80 1.146 S

2.I spend more for convenience.
100 2.17 1.288 R
3.My money is spent on online games.
100 3.70 1.142 M
4.I spend a lot of money on foods.

5.I usually buy trendy clothes. 100 2.94 1.081 S

100 3.10 1.142 S

6.Eating out with my friends.
100 2.41 1.181 R
7.I find it more satisfying to spend money than save it.

100 2.85 1.226 S

8.I usually spend money for leisure and entertainment.

100 3.05 1.209 S

9.I used a lot of money for shopping/online shopping.

OVERALL WMR 3.01 S

TABLE 4:
THE LEVEL OF BUDGETING HABITS AMONG SHS STUDENT
Indicator n WMR Std. Deviation DER

100 2.51 1.235 S

1.I have a weekly or monthly budget that I follow.

2.I budget the money intended for food. 100 2.95 1.242 S
100 3.37 1.195 S
3.I seldom ride transportation for to save money.

100 3.17 1.120 S

4.I choose to attend replay but free events than spending money just to

-attend live.

5.I have my own savings account. 100 3.44 1.175 S

6.I only invest important things. 100 3.34 1.312 S

7.Keeping my coins in piggy banks. 100 3.64 1.259 M

8.I build credit and avoid debt. 100 3.92 1.152 M

100 3.67 1.101 M
9.I use discount coupons to spend less and save money.

OVERALL WMR 3.33 S

TABLE 5:
PROFILE OF SIGNIFICANT RELATIONSHIPS OF THE LEVEL OF
SPENDING HABITS

Hypothesis Relationship r P-value Sig. Decision

level

Ha Spending Habit Budgeting .309 .002 ** Supported

STATEMENT OF THE

FINDINGS
PROBLEM
RATIONALE
CONCEPTUAL
FRAMEWORK
SCOPE AND 1. The study’s findings revealed that the association is significant at the 0.01 level,
DELIMITATION allowing the null hypothesis to be rejected and the hypothesis of a substantial
relationship between two constructs to be accepted.
THEMES OF RRL 2. The amount of agreement among the sample respondents on their spending habits
(WMR=3.11) is typically described as ‘sometimes’ meaning that the majority of
RESEARCH them occasionally spend their money on non-essential products, notably
METHODOLOGY unnecessary items. Respondents generally budget on a sporadic basis (WMR=3.33).
RESULTS 3. Practicality and rationale are on respondents’ minds. They occasionally keep to
a budget because they refer to save most of the time.
FINDINGS AND
CONCLUSION
OUTPUT
STATEMENT OF THE
PROBLEM CONCLUSION
RATIONALE
CONCEPTUAL The percentage of agreement among the sample respondents on
FRAMEWORK their budgeting and spending habits is normally ‘Sometimes,
indicating that the majority of them spend and budget their
SCOPE AND money on both required and unneeded products on a regular
DELIMITATION basis.
THEMES OF RRL
The majority of students have no experience with budgeting,
RESEARCH but they are aware of how and where they save their money.
METHODOLOGY
The findings show that spending and budgeting practices of
RESULTS Senior High School students at Saint Joseph College have a
significant relationship.
FINDINGS AND
CONCLUSION
OUTPUT
OUTPUT A symposium for budgeting techniques among Senior High School
students is recommended in order for them to create a good budgeting
pan that they can follow.

The symposium will be discussing about the importance of budgeting

and the different techniques and strategies. In the symposium, we will
select some participants and ask them questions on how they budget
their money. In the symposium, student will enable to clearly understand
what budgeting is and how to apply it in real life. It will also let the
students to learn how to budget wisely and make their own budgeting
plan that they can follow every time.