Research Final

Saint Marys University
SENIOR HIGH SCHOOL
CHAPTER I
THE PROBLEM AND BACKGROUND OF THE STUDY
INTRODUCTION
We cant deny the fact that anywhere in the world, money is involved. It is one of
the major factors needed for our primary needs such as foods, clothes, shelter, and
medical needs. Most of us know that budgeting our money is not that easy. In the
perspective of a student, we are going to school everyday not just to study but also to
learn on the practices being manifested as a human. This means that budgeting our daily
allowance or in the other way, weekly, is also a part of our practices being manifested.
We are responsible in allotting our money for basic needs and for school-related things.
Furthermore, when in times of encountering such problems towards savings, we are
usually unaware of the attitudes we possessed.
Each of us has the capacity to save a part of our allowance. We cant
judge others the way they object their money. Rogers of 1995, states that we view human
as basically rational, oriented towards social world and motivated to seek self-
actualization. Primarily, we need to have free will, i.e. the skill to make decisions freely
about ones attitude and life. Its in our will if we will make decisions that will offend
others just because of their way of budgeting. Thus, we must be knowledgeable that there
are different perspectives when dealing with ones way of budgeting. Therefore, we must
know and be aware of the attitudes being manifested by individuals such as students and
what kind of problems are being encountered toward savings (Little, 2013).
PRACTICAL RESEARCH 1 ABM A

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Although it is too risky to handle money, it is still indeed important that you are
knowledgeable on how proper financial management can be done (Espiritu et al., 2011).
Financial management is a little bit hard at first, but when you already know how
important every peso is, you will eventually learn how saving money process is done
(Hamm, 2015).
Every student in Saint Marys University, particularly in the department of senior
high school undergo problems in which money is being involved. Thus, problem is a
matter or situation regarded as unwelcome or harmful and needing to be dealt with and
overcome.
Every problem you encounter when saving money must be solved immediately to
lessen the negative effects of it (Little, 2013). On the other hand, as an individual, when
you cant overcome it changes in attitudes may occur unexpectedly. You will eventually
regret that you didnt put some effort in solving your problems involving saving of
money. Students in the 11th grade already have different experiences encountering such
problems like lack of money. In school, we cant deny the truth that school-related things
expenses lead to shortage in allowance. Saving some amount of money from the previous
days means that you were able to budget your money, is a big help for encountering
unexpected expenses like paying for photocopies, buying art materials, purchasing
different things for projects, and many other instances (Davis et al., 1995).
As we grow up, the experiences that we encounter toward saving is a big help.
Roberts (1998), said that the life experienced by individuals as they grow up affects their
way of spending, saving and budgeting. It is indeed true that experience is the best
teacher. These experiences came from either formal or informal education. Mathematics

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is a subject wherein it will help you in allotting to save money easily and chronologically.
The knowledge about saving is one form of formal knowledge because a professional
teacher is the one who teaches you about this. Furthermore, the way your mother says
that buying what you only need is one form of informal education because you let your
environment affects you as you grow up (Barth, 2014). This manner is just being
practical. You need to buy what is important and avoid buying excessive things that
doesnt have importance.
Todays generation is already technology-based. We are being exposed to different
kinds of temptations in buying something that is not even important (Yap et al., 2012).
And as a student, many are being too materialistic that affects their way of proper saving
of money. In the perspective of saving, students are more influence in allotting their
money to fill their goal towards saving. In saving, when we encounter that simple word
we react because it is arduous to do or to apply it in our own life. Also, in saving, attitude
is one of the most practice in all practices in life that we need to give sensible so that we
can gain a good result in saving (Schuman et al., 1976). Even though, we may stumble in
some desires like our wants, we must still be conscious about what matters the most (Yap
et al., 2012).
According, to Asuncion et al. (2010), attitudes are an estimate of ones individual
through belief, incident, place, or a thing. Maybe they are positive nor negative prospect
of an attitude object. People also have ambivalent feelings towards saving, this means
that it is simultaneously to cause positive or negative attitudes. At the same time, attitudes
maybe implicit otherwise it is explicit in the response of people when they asked their
opinion on something. The connection between these two kinds of attitudes is complex

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and not clearly understood. In short, attitudes are generally understood or not. Social
psychologist studied some aspects of attitudes and their inter-relationships and develop
that attitudes is the central concept in comprehending and explaining ones identity. In
fact, attitudes are relatively stable yet they may change at the same time when theres a
problem to rise (Asuncion et al., 2010).
We all know how great it feels when we can save some amount from the allotted
money for our allowance as an individual. Saving money will give you many benefits to
be appreciated as an individual. Saving whole-heartedly will help you easily gain
experiences that will teach you the value of every peso. You can have many peso as you
can, but you cant have many strategies on how to save well. Thrifty spending, budgeting
and emerging regular savings are behaviors that cant be handle easily by young groups
because they seldom practice basic financial skills (Carlo et al., 2010). Saving will let
them know the difference between allotting their money for emergencies and allotting
their money to increase their knowledge on how to lessen their debts as an individual.
Saving for the future needs and purposes can help you to grow behavioral factors in
saving money (Romana, 2014). As an individual, managing their allowance in terms of
controlling finances is a great help in saving.
There are definite reasons why saving is good for an individual. Being rational in
saving allowance must be manifested by every individual. Saving early as a student will
help to save more for the future. Awareness towards efficient saving will also help
individuals to enhance knowledge in spending and budgeting (Romana, 2014). Students
have different ways on how to save. Many students who are used in saving their money
acquires their strategies through natural knowledge (Davis et al., 1995). It is sometimes

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based on what they have observed as they grow up, in other words, their knowledge is
from informal education. Culture saving can be rarely seen for early age so theres a
critical need for them to begin such kind of behavior (Rhine, 2000).
On the other hand, problems being encountered when saving has the capacity to
change the way on how to save the allotted money or allowance for an individual. Being
able to know the difference from needs and wants will serves as a basis on spending not
too much and budgeting effectively (Yap et al., 2012). Either the attitude of an individual
or the personal problems hinders him/her from saving money. Students who are vigorous
to save and they have proper attitude that is manifested towards saving (Boyce et al.,
1998). An individual undergoes different experiences just to know how to save efficiently
and effectively. The most common barriers towards saving relate to insufficient funds,
specifically a lack of affordability and existing debts. Financial behavior is the reason
why financial education affects those people who are well-oriented about managing
finances (Joo, 2008). Its not easy to gain knowledge about something, if an individual is
not willing to do so. But being knowledgeable in saving will help in lessening the
problems. Changing attitudes will definitely occur when encountering problems towards
saving. Problems will also occur if individual are not knowledgeable enough in practical
or usual things happen around us. The awareness of students towards saving is vital while
studying ones saving strategies. Students will definitely have less default rate on their
debts if they have enough knowledge in managing their finances very well (Cummins et
al., 2009).

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Problems are difficulties encountered to be resolved or dealt with. These problems
are easy or hard depends on how you manage it. The researchers are to determine the
attitudes and problems of the Saint Marys University Senior High School students
towards saving. In connection, saving is one of the most common problems of a student
wherein money is being involved. So as budgeting, allocating money is not that easy for a
student. Thus, considering the expenses for school-related matters and the basic needs
will be a factor that affecting the saving behavior manifested by a student. A significant
factor in developing ones capability is the character of students towards saving. It aims
to examine how attitude of students can influence the amount, form of funds, and how
they save (Davis et al., 1995). It also examined the ways that have been used for saving
and how this combine to influence others. This is more focused on how they possess their
relationship through saving and what instruments do they used in effective strategies.
However, students are mostly pertaining on how they spend it and how they can manage
it to save some of their allowance (Furnham, 1999). Unfortunately, there are several
students who are hard to accompany their attitudes to fill their problems in saving. It is
truly a bliss for students who are vigorous to saved and they have a proper attitude in
manifesting towards saving (Davis et al., 1995). Comparing the different kinds of
attitudes manifested by students towards a problem in saving, the researchers will be able
to identify the significant kinds of attitudes manifested by a student.
STATEMENT OF THE PROBLEM

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The study aims to determine the level of awareness and attitudes of target
respondents and identify the common problems encountered by the target respondents. It
is also designed to determine the attitudes and problems of the Saint Marys University
Senior High School students towards saving and relate them to their personal profile,
economic profile and needs.
It aims to know the profile of students in terms of gender, age, and strand,
where they get their allowance for personal and educational needs. It aims to know where
they get their allowance, how they budget it, spend and save. Also, it aims to know the
significant differences between their attitudes and problems towards saving and personal,
economic profile and needs.
SIGNIFICANCE OF THE STUDY
This study is significant for the:
Students- to have a better understanding about saving to realize and have a deeper
appreciation for every peso that they have. It will benefit them when they are caught in
the situation of life. It will help them on how to discover ways and strategies of saving
money. It will also enable them to conceptualize better decisions toward savings to find
out the true essence of the saying, First things first and to become a better person. Also,
it benefits to each of us for it provides information and strategies towards saving.
Parents- this study may help them to understand their childrens habit on spending, how
their children budget and save, serves as a basis in trusting them whether to give their
allowance wholly or per day, and gives them an overview on how they can help their
children on financial management

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Future Researchers- This study will determine the attitudes and problems of students
towards saving. It will serve as a basis for the future researchers in proposing saving
patterns as an applied researches.
SCOPE AND DELIMITATIONS
This study is conducted at Saint Marys University and is limited only to currently
enrolled Senior High School students for the second semester of school year 2016-2017.
The respondents came from different strands of Saint Marys University Senior High
School which are: Science and Technology, Engineering, and Mathematics (STEM),
Accountancy and Business Management (ABM), Humanities and Social Science
(HumSS), General Academic Strand (GAS) and Technical Vocational Livelihood Strand
(TechVoc).

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CONCEPTUAL FRAMEWORK
The attitudes and problems of the

students of Saint Mary's University
in the department of Senior High
School when it comes on saving
money.
The Attitudes and Problems
The proper application of financial
management of Saint Mary's
University in the department of
Senior High School when it comes
on saving money.
Attitudes and Problems of Saint Mary's University Senior

High School Students Toward Saving
Figure 1 Paradigm of the Study
The input variables include the attitudes and problems. Survey questionnaires
were used to determine the attitudes and problems of Saint Marys University Senior
High School students and how proper financial management is being manifested by the
students. After the process, the study serves as the output.
DEFINITION OF TERMS
Saving: refers to a way of putting aside money for a purpose
Attitude: refers to a way of how students think and behave in saving

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Problems: refer to the hindrances or barriers that students face towards saving
Budgeting: refers to an initial plan before spending their allotted money
Financial Management: refers to how the students budget, spend and save their own
allowance to achieve their purpose

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CHAPTER II
METHODOLOGY
RESEARCH DESIGN
The descriptive-comparative-correlational method of research was used to
determine the attitudes and problems of Saint Marys University Senior High School
students towards saving. This is a descriptive research because it aims to know the
personal profile of the respondents. A comparative method was also applied in this
research to determine if there is a significant difference in attitudes and problems of
students when grouped according to the profile variables of the respondents. Lastly,
correlational method is utilized in this research to determine the relationship between the
respondents attitudes and problems toward saving.
RESEARCH RESPONDENTS
The respondents of the study are the Senior High School students of Saint Marys
University. The researchers congregate data from the Senior High School students over
the different strands at Saint Marys University which are; Science and Technology,
Engineering, and Mathematics (STEM), Accountancy and Business Management (ABM),
Humanities and Social Sciences (HumSS), General Academic Strand (GAS), and
Technical Vocational Livelihood Strand (TechVoc).

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RESEARCH ENVIRONMENT
The researchers conducted the study at Saint Marys University located at
Bayombong, Nueva Vizcaya. It is a Catholic and Christian school sustained by
Congregatio Immaculati Cordis Mariae (CICM). Saint Marys University is offering an
Excellence, Innovation, Communion and Passion for Christ Mission service to all
students.
DATA GATHERING PROCEDURE
The data gathering procedure will be conducted on the third week of January, year
2017 in Saint Marys University particularly the Senior High School.
Making of the questions list by the

Researchers
Approval of the questionnaires by the

Research Adviser
Respondents
Data Analysis

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Data Interpretation
Plagiarism Test
Figure 2 Paradigms of the Data Gathering Procedure
A. Making of the questions list by the Researchers

The data gathering procedure will start from the making of questions list
by the researchers. The researchers will brainstorm to formulate the questions.

B. Approval of the questionnaires by the Research Adviser
After the questions were formulated, it will be followed by the approval of
the questionnaires by the research adviser. The research adviser will check if the
questions are related to the topic and free from errors.

C. Respondents
After the questionnaires were validated, it will be given to the respondents
which are the Senior High School students of Saint Marys University. The
researchers will distribute the questionnaires and discuss the instructions to the
respondents.
D. Data Analysis
Next, when the respondents have answered the questionnaires, the
researchers will retrieve the data for analysis. The researchers will criticize the
answers of the respondents and discuss among themselves. The researchers will
compare and contrast the data gathered.

E. Data Interpretation
Subsequently, the data will be interpreted by researchers. The researchers
will draw conclusions from the gathered data.

F. Plagiarism Test

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Finally, the plagiarism test will be conducted by the researchers together
with the research adviser.
CHAPTER III
RESULTS AND DISCUSSION

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In this chapter, analysis and interpretation of research data will be done. Results
will be interpreted by the researchers who conducted this study. In the results,
percentages are shown to clearly state the data gathered during the survey. After stating
the results based from the survey, the figure and results will be discussed for clarification.
The qualitative data gathered through the survey questionnaires that were given to 30
random students of Saint Marys University in the department of Senior High School was
organized and tallied through the use of figures, specifically pie-graphs, to ensure that
analyzing and interpreting the research data that was gathered will be systematically and
objectively done.
Sources of Allowance of Students (personal and educational needs)
Parents Parents&Aunt Parents&Own Savings
Figure 3: Sources of Allowance of Students (personal and educational needs)

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Based on Figure 3, 86.67% of the respondents stated that their source of
allowance is from their parents salary. On the other hand, 6.67% of the respondents said
that they get their allowance not only from their parents salary but also from their
guardians. Lastly, 6.67% of the respondents also said that they get their allowance from
their own savings and not only from their parents salary.
The table shows that most of the students depend on their parents. It is given that
the respondents are still students and doesnt have work yet so they depend on their
parents to support their financial needs and sustain their educational and personal needs.
Budgeting Allowance
Thrifty Spending Listing Separating Not
Figure 4: Budgeting allowance
Figure 4 shows how 30 random senior high students budget their allowance. 40%
of the respondents prefer separating first their money for priorities, 33.33% of the

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respondents prefer listing first the things they want to allot their allowance. Furthermore,
23.33% of the respondents are in the line of thrifty spending in which they are intended to
save a part of their allowance. Lastly, only 3.33% of the respondents dont budget their
allowance.
In this result of survey, those students who are in the line of thrifty spending are
the ones who are exactly spending their money in the right path so that they will save
some part of their allowance. Another, students state, based on the survey, that they are
focusing on listing items so that they will be reminded of the things that one they should
buy. There are also students who probably separate their funds either for educational
needs or for personal needs. Only 1 student was surveyed that he does not apply his
knowledge about budgeting ones allowance.

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Spending of allowance
Needs
Figure 5: Spending of Allowance
It is obvious that in Figure 5, all the random 30 senior high school students that
serves as our respondents spends their allowance for their needs.
No one wants to spend they allotted allowance for unimportant things. They
prefer spending it only for their basic needs. One respondent said that there are specific
things he should buy so he only buys what he needs. They spend their allowance based on
their needs. They prioritize to buy those things that are important and useful enough to
sustain their daily needs.

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Willingness to Save
Yes No
Figure 6: Willingness to Save
In the figure provided above stated that there are 96.67% of the respondents who
have willingness to save their allowance. On the other hand, there are 3.33% students
who answered No, which signifies that they are not willing to save their allowance.
In this result, it shows that 29 out of the 30 students surveyed are willing to save
their allowance for certain purposes such as for future needs, emergencies and for wants,
respectively.

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Disappointment or Happiness
Happiness Disappointment Both Neutral
Figure 7: Disappointment or Happiness
In Figure 7, 77% of students who were surveyed stated that saving is a source of
happiness, while 17% lined up in disappointment. Furthermore, 3% of the respondents
said that saving is a source of both happiness and disappointment. Another 3% of the
respondents said that source of saving is neutral.
Students chose different level: happiness, disappointment, both happiness and
disappointment, and neutral. Students stated that they gain happiness and feel good when
they save money. Unfortunately, there are also students who chose disappointment as a
source of saving. In their perception, they state that saving money makes them feel
disappointed because they cant buy what makes them feel satisfied. Their priority is to
save money. Furthermore, there are also students who said that saving is a source of both
happiness and disappointment. They didnt know nor feel what emotion they should feel,

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either happiness or disappointment. There are also students who chose neutral which
means that saving is just normal for them and havent choose between disappointment
and happiness.
Purpose in Saving
Future needs Emergencies

Wants Both Emergencies and Wants
Figure 8: Purpose in Saving
In the figure that was shown above, 26.67% of the students said that their purpose
in saving is for future needs, 26.67% of the students said that it is for emergency
purposes, 33.33% of the students said that it is for their wants, and the rest of the students
which is 6.67% said that it is for both wants and emergency purposes.
Some students are willing to save just for their future needs in order to avoid
scarcity. There are also percentage of students who are preparing for emergency needs for
any incidents that might occur. Wants is also chosen by some students because they just

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want to get their wants and be satisfied so that they will eventually save money. Lastly,
students are in the state of complex decision so they choose both emergency and wants.
Problems
Spending Not Enough Budgeting None Wants
Figure 9: Problems
In figure 9, 40% of the respondents have spending as their problem, 26.66% of
the respondents having not enough allowance is their problem, 6.67% of the respondents
have budgeting as their problem, 16.67% of the respondents have their wants as their
problem, and 10% of the respondents dont have any problems.
It is true that we may encounter some problems towards saving. Students gave
their perspective in different formsspending, not enough allowance, budgeting, wants,
and nothing. These are the results that the students answered in the questionnaire.
Students said that they may encounter spending as a problem because they are tempted to

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buy foods and theres a lot of expenses. Having not enough allowance is also one of the
problems that students encounter because theres a probability that the students had that
exact allowance and it may come up in different expenses like modules, projects, etc.
Students are more engaged in budgeting, they were influenced by temptations like desires
for their wants, buying unnecessary things, etc. They tend to spend and forget to budget
their funds. They spend too much money due to their wants thats why they are not able
to save some part of their allowance. Lastly, students site that they have no problem
towards saving, this means that they budget their allowance wisely and strictly thats why
they dont have problems.
Reactions
Fine Disappointed None
Figure 10: Reactions

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Figure 10 shows the reactions of students if their parents cant give more than
their needed allowance wherein 66.67% of the respondents said that it is fine for them
when their parents cant give more than their needed allowance, 13.33% of the
respondents felt disappointment when they cant get their needed allowance, and 20% of
the respondents have no reaction when they cant get their needed allowance.
Solutions
Next time Sacrifice Get money Budgeting Sell
Figure 11: Solutions
In this figure, we asked the respondents if what solutions will they do when their
allowance is not enough. 16.67% of the respondents said that they will save again next
time and double their savings next time when theyll have enough allowance to save
money. I wont starve myself for the sake of saving because its harder to have
ulcer/sickness rather than save money, said by one of the respondents. 26.67 of the

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respondents said that they will sacrifice by not eating their lunch and not having their
snacks. 16.67% of the respondents said that they will get money from their parents.
Lastly, 36.67% of the respondents said that they will budget wisely, strictly buy only
what they need and laying off their wants and unnecessary things. Most of the
respondents are wise and tactful in saving wherein if they dont have enough allowance
to save, they wont sacrifice their health instead they will schedule their saving when they
have enough allowance to save and will strictly budget allowance. But, some of the
respondents will still sacrifice their health in not eating and will ask money from their
parents wherein they manifest one of the factors stated by Yamauchi and Templer (1982),
the obsessive need to save.
They do w hen they cann ot buy they want

None
Parents
Sa ve
Figure 12: They do when they cannot buy they want
Lastly, we asked the respondents when they cannot buy what they want. 33.33%
of the respondents said that they wont do anything instead they will wait until they will
have money to buy what they want or wait until someone will buy it for them, and look
for the bright side. 10% of the respondents said that they will ask help from their parents
and ask money to buy what they want. 56.67 of the respondents said that they will save
more money and serves as a motivation to try harder to save and budget. Through this
data, most of the respondents are wise and resourceful in saving more money and they

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dont think of they want but they give more importance on what they need. But, some of
the respondents still are dependent to their parents and still think of what they want.
CHAPTER IV
CONCLUSIONS AND RECOMMENDATIONS

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CONCLUSIONS
In the light of the above mentioned, the following conclusions were drawn:
1. Profile of the respondents

Generally, the respondents are chosen randomly. The researchers included
the personal profile of the chosen respondents suchlike their age, gender, and their
strand.
2. Respondents attitudes towards saving
Usually, the respondents have an optimistic and pessimistic attitude such as: being
resourceful, tactful and wise. However, they also manifested an obsessive need to
save.
3. Problems that the respondents encountered
Overall, the respondents encountered common problems towards saving.
These problems that were encountered are arranged according to their response
such as: spending a lot, having not enough allowance, hard to budget and desire
for their wants.
4. Significant relationship between the respondents attitudes and problems towards
saving
Generally, the respondents problems towards saving has a corresponding
attitude being manifested.
RECOMMENDATIONS
Based on the conclusions of the study, the following are recommended:

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To the students. To be more knowledgeable about the proper attitudes to be manifested
on the problems encountered towards saving. To have a better understanding in order to
realize and have a deeper appreciation for every peso that you have.
To the parents. To encourage their children on how to properly save their allowances for
future needs.
To the future researchers. To conduct deeper and further studies on the attitudes and
problems of students towards saving to improve their behaviors and to promote financial
stability. Also, to propose applied researches about saving patterns that will develop
saving habits and attitudes of students.
BIBLIOGRAPHY
Asuncion, et al. (2010). Knowledge, Attitude and Perception of second year Nursing
students and clinical instructors on the implementation of basis to strengthen the
Nursing Program, pp. 3-14.
Boyce, L. and Danes, S.M. (1998). Evaluation of the NEFE High School Financial
Planning Program, Englewood, CO: National Endowment for Financial
Education.
Cummins, M. M., Haskell, J.H., & Jenkins, S.J.(2009). Financial attitudes and spending

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habits of university freshmen. Journal of economics and economic education

research,10(1),136. Retrieved from
http://www.alliedacademics.org/Publications/papers/JEEER%20Vol
%2010%20No%201%202009.pdf#page=11
Davis, E. and Lea, S.E. (1995), Student Attitudes to Student Debt, Journal of Economic
Psychology, Vol. 16, pp. 663-679.
Espiritu, J., & Md. Joshua, Z. (2011). Financial knowledge, attitude and perceptions of
university students towards investing, budgeting and spending. Journal of Family
and Economics Issues, 27, 692-701.
Furnham, A. (1999), The Saving and Spending Habits of Young Individuals, Journal of
Economic Psychology, Vol. 20, pp. 677-697.
Hamm, T. (2015). How to Save Money: 100 Great Tips to Get You Started. The Simple
Dollar. Retrieved from http://www.thesimpledollar.com/little-steps-100-great-tips-
for-saving-money-for-those-just-getting-started/
Joo. S (2008. Personal Financial Wellness. Handbook of Consumer Finance Research.
21-33.
Klopocka, A. M., Kopczynski, T., &Lenicka-Bajer, G.(2014). Financial Situation and

Attitudes towards Saving in Polish Society: Evidence from Micro Data.
Pillai, R., Carlo, R., & Dsouza, R. (2010). Financial prudence among youth, Munich
personal RePEc archive, 22. Retrieved from
http://mpra.ub.unimuenchen.de/22450/1/MPRA_paper_22450.pdf
Rhine. (2000). Differences in spending and saving habits and credit use of college
students. Journal of consumer affairs, 34(1), 20. Retrieved from
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Roberts, S.D. (1998). Effect of Personal Financial Knowledge on College Students

Credit Card Behavior. Association for Financial Counseling and Planning
Education, 21-36.
Romana, K. S. (2014). Youth financial management awareness and application:

development, delivery and execution of programs. Retrieved from
http://www.bankinginfo.com.my/_system/media/downloadables/youth-financial-
literacy_development-delivery-and-execution-of-programmes.pdf

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Schuman J. & Johnson, M. P. (1976), Attitudes and Behavior, Annual Review of

Sociology, 2, 161-207.
Yamauchi, K., & Templer, D. (1982). The development of a money attitude scale. Journal
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APPENDICES
Question1. What is the source of your allowance? For personal and for educational
needs?
Respondent1: Parents income
Respondent2: My mom and dad
Respondent3: Mother and aunt; sources
Respondent4: My parents occupation is the source of my allowance. Both
personal and for educational needs
Respondent5: Parents
Respondent6: My parents

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Respondent7: My parents provide my allowances either for the personal or

educational needs
Respondent8: My source of allowance is my own, by selling different shoes,
sneakers like that, around the Philippines.
Respondent9: From my beloved parents
Respondent10: My parents money
Respondent11: Both my parents.
Respondent12: Both parents
Respondent13: The source of my allowance for personal and educational are my
parents
Respondent14: My mother and my aunt
Respondent15: Both from my parents
Respondent18: My mother is my source of allowance for both personal and
educational needs
Respondent19: From my parents
Respondent20: Parents salary
Respondent21: From my parents salary
Respondent22: Parents and own savings
Respondent23: The source of my allowance are my parents

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Respondent30: Parents salary
Question2. How do you budget your allowance?
Respondent1: By weighing what I need the most and only buying what I need
most
Respondent2: I spend 170 a day.
Respondent3: I spend 50 per day.
Respondent4: I budget my allowance as I take down my expenses.
Respondent5: Listing my expenses.
Respondent6: I orally compute for my change or expense before spending.
Respondent7: I set aside first my fare for going to school or house, then the others
are for food and some other things. The excess amount remaining will be save.
Respondent8: By putting them into my personal bank account. The half of my
allowance I mean.
Respondent9: By listing the things that I will spend/buy it throughout the day.
Respondent10: I write down the things I needed and a lot the amount needed for
those the rest I save.
Respondent11: By listing things that should be recognized as needs and wants.
Respondent12: I only buy what is needed and separate my personal and
educational money.
Respondent13: I budget my allowance by separating 50 pesos per day and the
other 50 pesos that was left is for my expenses at school.
Respondent14: By not eating when recess and letting to convince myself not to
eat.
Respondent15: Separating my money for fare and for school.
Respondent16: By allotting my allowance for needs (food and fare)
Respondent17: By computing and saving 50 pesos.
Respondent18: I budget my allowance into three aspects: I place or budget on my
food expenses, my transportation expenses, and others.
Respondent19; I dont budget my allowance.
Respondent20: I only buy things that I only need and separate any amount for
savings or anything that I need to buy.
Respondent21: By only spending enough for a day.
Respondent22: Listing expenses.
Respondent23: Using saving bank and for important use especially my school
needs.
Respondent24: I budget/plan my expenses on Sunday. I pack enough money that
can last the day to prevent unnecessary spending. Also, I separate my fare
beforehand and extra money for emergencies.
Respondent25: I dont spend much.
Respondent26: Buying things wise.
Respondent27: Setting aside my allowance
Respondent28: Budgeting my money

SENIOR HIGH SCHOOL
Respondent29: Separating money for my needs

Respondent30: budgeting
Question3. How do you spend your allowance?
Respondent1: There are specific thing I should buy so I only buy what I need. I
spend my allowance based on my needs.
Respondent2: I spend it on my food, etc.
Respondent3: I mostly spend it on food.
Respondent4: I spend my allowance almost for my personal needs like foods.
Respondent5: By budgeting my allowance for food and transportation.
Respondent6: I prioritize the thing that is more important than my wants.
Respondent7: I prioritize my needs before wants so I think I spend my allowances
wisely.
Respondent8: In a week, I spend 25% of my allowance.
Respondent9: I spend my allowance for my school supplies, food, and fare.
Respondent10: I spend my allowance, 50% for my personal use while the rest I
for my projects and the like.
Respondent11: By buying important things and foods. I spend it wisely.
Respondent12: I only buy what I need.
Respondent13: I spend my allowance through buying those things that I need at
school.
Respondent14: Sometimes, I spend my allowance for my girl.
Respondent15: Buy what is only needed.
Respondent16: For necessary purposes only.
Respondent17: Lunch lang kasi nagbabaon.
Respondent18: I spend my allowance wisely.
Respondent19: I buy foods and things that I like and need.
Respondent20: I buy food, groceries, and things I need.
Respondent21: Buy spending it wisely.
Respondent22: Only when necessary.
Respondent23: Using it well and for important needs in school. Buy not spending
too much on foods, instead, saving it.
Respondent24: I spend it on food. I follow my budget but not as faithful as monk.
I allot money for food, materials, school fees and entertainment.
Respondent25: Wisely. Buying thing I need instead of what I want.
Respondent26: Buying things that is important/useful.
Respondent27: Buy spending it wisely.
Respondent28: Only when necessary.
Respondent29: Buy what is only needed.
Respondent30: For necessary purposes only.
Question4. Are you willing to save? If yes, what are the ways you can do to save your
money?

SENIOR HIGH SCHOOL
Respondent1: Yeah, but only buying what you need. If you have extra, dont
waste it on different things you desire.
Respondent2: Yes, I tend to buy less.
Respondent3: Yes, to lessen the expenses; I wont buy unnecessary stuff.
Respondent4: Yes, I use piggy bank.
Respondent5: Yes, budget your money wisely. Buy things that you really need.
Respondent6: Yes, I will not buy the things that I dont need.
Respondent7: Yes, if necessary, I wont buy the thing I dont need. Less eating at
fast foods with friends.
Respondent8: Yes of course, I told you awhile back putting my money into bank
account.
Respondent9: Yes, one way is to manage the things that is important to buy. And
at the end of the day, I save 20% of my allowance.
Respondent10: Yes, I can save through budgeting amd opening an account or
piggy bank.
Respondent11: Yes, budget my allowance, dont buy unnecessary things, being
prudent.
Respondent12: Yes, buy only what is needed.
Respondent13: Yes, for me, the ways that can do to save my money is that I just
buy those things that I really need at school and home and save the excess.
Respondent14: Yes. Step 1: Not going ot and spending my money. Step2: Making
alkansiya(piggy bank). Step3: Always have the time to think generously about
your money.
Respondent15: Yes, buy what you need first before your wants.
Respondent16: Yes, by keeping 50% of it and not spending it.
Respondent17: Yes, do not buy things you dont need.
Respondent18: Yes, I save my money by leaving my excess money at home.
Respondent19: Yes, by putting my excess money in the bank.
Respondent20: Yes, I will not buy thing I will not need.
Respondent21: Yes, by being thrifty.
Respondent22: Yes, do not spend unless necessary.
Respondent23: Yes, I am willing to save using piggy bank. I can save 5 or 10
pesos a day.
Respondent24: Yes, I wont waste allot of my money for thing I wants, mot the
things I need.
Respondent25: Yes, dont spend allot.
Respondent26: No.
Respondent27: Yes, I will not buy thing I dont need.
Respondent28: Yes, do not buy things you dont need.
Respondent29: Yes, I tend to buy less.
Respondent30: Yes, buy what you need first before your wants.
Question5. Is saving a source of disappointment or happiness? Why?

SENIOR HIGH SCHOOL
Respondent1: Sometimes both. Happy because I have saving and disappointed

sometimes because I tend to have lots of expenses.
Respondent2: Happiness because it feels good when I know that I had saved
money.
Respondent3: Happiness, because we all know how important money is.
Respondent4: Happiness, because I know I have this savings I will not suffer
worrying about my expenses.
Respondent5: Happiness, at the end of the day, I can buy the things that I want.
Respondent6: a source of happiness, because someday the money from your
savings can be used for you to buy anything you want without exception.
Respondent7: Happiness. In the end or in case of emergency, I can get some of the
money I saved. If I got some amount saved, I dont need to rely much to my
parents.
Respondent8: Happiness, it helps me to buy my needs in the future for myself.
Respondent9: Happiness, because it can be used for my future needs and for
emergency.
Respondent10: Happiness, because having extra money when in emergency is
helpful and it can satisfy your fulfillment.
Respondent11: Happiness, because it is for my sake and it feels like Im very
responsible person.
Respondent12: Happiness, because Im doing myself a favor when I saved
money.
Respondent13: Saving is my source of happiness because I save money its just
like Im helping my parents and when I want to buy something for someone or for
myself I can get from my savings for me to be able to buy that thing.
Respondent14: Happiness because I can get what I what I need when its needed.
Respondent15: Happiness because I saved money and thats my main daily needs.
Respondent16: Happiness because its for myself.
Respondent17: Happiness, for the future.
Respondent18: Happiness is the cost of my saving. Its because I can use the
money for future expenses.
Respondent19: Just normal, neutral.
Respondent20: Happiness, because when I need money, Dahil may
mapagkukunan ako ng pera pambili sa kung ano man ang bibilhin(Because to
have a source of money to buy what is needed)
Respondent21: Happiness, because its for my personal needs.
Respondent22: Happiness because it can benefit me.
Respondent23: Saving is happiness because I can use it in the future or future
needs.
Respondent24: Happiness, because I get to buy the things I want & I have money
just in case I ran out of cash.
Respondent25: Happiness, because I can buy whatever I need.
Respondent26: Disappointment because if I save money I cant buy what makes
me happy.

SENIOR HIGH SCHOOL
Respondent27: Happiness, because Im doing myself a favor.

Respondent28: Happiness, because its for my future.
Respondent29: Happiness, because saving teaches you a lot.
Respondent30: Happiness, because its for my sake.
Question #6: What instances manifest your disappointment or happiness towards
saving?
Respondent1: When there are emergencies and I happen to have extra money.
Respondent2: I have no problems at saving money.
Respondent3: Shorts sa pagbili ng stuff (not enough to buy stuffs)
Respondent4: Whenever I need to get money from my piggy bank because I cant
hinder my craving stomach.
Respondent5: Dunno
Respondent6: ok
Respondent7: If I got to help myself or others.
Respondent8: It supports my financial needs.
Respondent9: It can be source of money in times of emergency.
Respondent10: When I have something to buy for whatever I want, I can buy it
with my own money and its satisfying.
Respondent11: When I couldnt earn money because of my temptation in buying
unimportant things.
Respondent12: Because when I save money, it also for myself. Its like doing a
favor to myself.
Respondent13: The instance that manifest my disappointment or happiness
towards saving is that I am not able to buy all the things that I want.
Respondent14: Making myself useful
Respondent15: By treating my friends. It doesnt support my financial needs.
Respondent16: Im happy because I know I have money when me and my friends
go out.
Respondent17: Happy because may naiipon (Happy because I have savings)
Respondent18: When I can buy things I want using my savings.
Respondent19: none
Respondent20: When I already bought what I want
Respondent21: When I already saved enough money for something that I
want/need, it makes me feel happy and satisfied.
Respondent22: I have to spend it
Respondent23: The instance towards saving is sometimes I am disappointed that
my allowance is not enough to buy what I want but I realized that I will better
save first before the things I want.
Respondent24: Happiness, I get to have a back-up cash so Id be happy because I
got back-up.
Respondent25: When I treat my friends
Respondent26: Treating my friends
Respondent27: When I can save a lot.

SENIOR HIGH SCHOOL
Respondent28: When I can buy what I want

Respondent29: When I ca buy my family what they want
Respondent30: When I can buy school-related things.
Question #7: Why do you save money? What is your purpose in saving?
Respondent1: For emergencies, also to buy what I want.
Respondent2: I save money because I just want to save money for future needs.
Respondent3: For future use
Respondent4: For hospitalization purposes or any emergencies.
Respondent5: Buy things what I want
Respondent6: So, that I will and can buy anything I want.
Respondent7: serves as my own source, so I can buy things I need
Respondent8: because I need it sooner or later, to spend for emergency needs
Respondent9: future needs, emergency
Respondent10: for future instances like emergencies or if I want to buy for my
wants
Respondent11: I save money for future purpose. For me to use it when I badly
needed it.
Respondent12: to use it for emergency purposes or to buy things needed for art
class (Medias are so expensive)
Respondent13: I save money for me to be able to help my parents and for me to
be able to buy the things that I really need or I want and not to ask money from
my parents.
Respondent14: to become useful when it needed
Respondent15: for future needs
Respondent16: for future purposes
Respondent17: for my future family
Respondent18: for extra allowance in the future of my children
Respondent19: Yes, I save money for the time or in the times of need.
Respondent20: to buy what I want, to earn and save in the bank so that when I
need it, I will just withdraw
Respondent21: To buy something that I want/need and also for some emergency
matters
Respondent22: for my personal interest
Respondent23: I save money because I want to have savings and how to budget
money well. Saving helps me to budget money.
Respondent24: I save money because I want to. I save for a rainy day for
something I really want and of course for back-up
Respondent25: to have extra money
Respondent26: I dont save money because I want to buy I want
Respondent27: For future purposes
Respondent28: To buy what I want
Respondent29: To makes me feel satisfied
Respondent30: To buy my wants

SENIOR HIGH SCHOOL
Question #8: What problems do you encounter towards saving?

Respondent1: spending immediately
Respondent2: The problems I encounter when Im saving is none.
Respondent3: short sa pagbili ng stuff (not enough money to buy stuffs)
Respondent4: none
Respondent5: Spending money in buying foods, lots of expenses
Respondent6: hard to save due to many expenses
Respondent7: If theres an invitation from a friend to go out to eat something or to
go somewhere, sometimes I over spending
Respondent8: my wants
Respondent9: Sometimes, I am tempted to spend all my money for food and other
things
Respondent10: I spend a lot or if I ever save something Ill eventually spend it
whenever Im hungry. Im always hungry.
Respondent11: Temptation for buying things I want, not for what I need.
Respondent12: Sometimes, my allowance is not enough because there are many
school expenses
Respondent13: The problems that I encounter towards saving money is that
sometimes if there are many modules and requirements that we need in school or
provide, we or I am not able to save money just for that requirement.
Respondent14: nothing
Respondent15: temptation in my wants
Respondent16: too much expenses
Respondent17: temptations
Respondent18: Food
Respondent19: buying foods, extra extra extra foods, yum!
Respondent20: budgeting, temptations in food
Respondent21: Its hard to save especially when theres a lot of things that need to
be paid in school
Respondent23: The problems I encounter towards saving is that sometimes if
there are many requirements in school, I am not able to save any amount.
Respondent24: the urge to spend a lot, additional expenses
Respondent25: When I dont want to spend money because I want to save money.
Respondent26: If I am saving money, problems I encounter is temptation.
Respondent27: When I spend a lot for unnecessary things
Respondent28: Spending too much
Respondent29: Lack of money
Respondent30: Not able to save
Question #9: How do you react to the situations if your parents cannot give you
more than your needed allowance?

SENIOR HIGH SCHOOL
Respondent1: Fine by me, I can budget that.

Respondent2: I never really had that experience, but if that ever happens
Respondent3: Ill understand since Im a considerate person.
Respondent4: Of course, disappointed at first but I will later on remember that I
have savings.
Respondent5: poker face
Respondent6: none
Respondent7: Im overacting or complaining
Respondent8: I will get into my bank savings, just easy.
Respondent9: For me, its okay, because I have my savings.
Respondent10: Im fine with it besides they spend lots of money in sending me to
school already, I should be grateful for it.
Respondent11: Normal, because thats life, not every time we can get everything
what we want or needed because our life is not always on the top.
Respondent12: I will understand them.
Respondent13: Sometimes I am angry when my parents cannot give me more than
what I needed allowance.
Respondent14: Nothing because I can get my money in my own ways by working
in bukid/farming.
Respondent15: try to understand
Respondent17: I feel mad.
Respondent18: I can get a portion of my saving.
Respondent19: I will get money from my grandparents.
Respondent20: I just tell them that it is enough and my mother would add my
money.
Respondent21: Its okay.
Respondent22: Use my savings
Respondent23: It is okay for me because I understand them. They usually give
exact allowance for me but I can still manage to save some amount.
Respondent24: Sick it up and live with it. Borrow money then pay it back if I
receive my next allowance. Live with it, make do with what you currently have.
An empty wallet & grumbling stomach can teach you a lot of lessons.
Respondent25: I just deal with it.
Respondent26: I dont go to school.
Respondent27: ItS okay with me
Respondent28: I will just use my own savings
Respondent29: Its fine

SENIOR HIGH SCHOOL
Respondent30: No worries
Question #10: When your allowance is not enough for you to save, what are the
solutions you do to solve the problem?
Respondent1: double my savings the next time I receive my allowance
Respondent2: To be honest if my allowance is not enough for me to save then Ill
skip that day.
Respondent3: I wont spend at all
Respondent4: Then I will just start saving again the next time that I have extra
money. I wont starve myself for the sake of saving because its harder to have
ulcer/sickness rather than save money.
Respondent5: not to save
Respondent6: Sometimes, I skip my lunch just to save any money.
Respondent7: I dont eat snacks or skip a meal (lunch)
Respondent8: then thats the time to ask for money to my parents
Respondent9: Sometimes I am intended no to eat lunch.
Respondent10: Strictly budget my allowance and buy only what I need.
Respondent11: Ill not buy unnecessary things and bring foods to me in school.
Respondent12: I sell my artworks in the internet.
Respondent13: When my allowance is not enough for me to save, the solutions
that I can do to solve the problem is that I am not going to buy during recess time.
Respondent15: sacrifice for not buying my wants
Respondent16: lessen my expenses
Respondent17: save money
Respondent18: I will not eat lunch.
Respondent19: I will get money from my grandparents.
Respondent20: I will not have my break.
Respondent21: I ask my parents if they can give me extra allowance in able to
save. But, if they cant or they dont want, its okay for me.
Respondent22: Do not spend on unnecessary things
Respondent23: If my allowance is not enough for me to save, theres nothing can
do because I cannot provide instead my parents are the one who are giving my
allowance and I am not forcing them to increase my allowance.
Respondent24: Ask help from parents, discuss to them my daily expenses that
they may understand. Lay off additional expenses that isnt beneficial or the
things we want not need.
Respondent25: Dont eat lunch
Respondent26: maximum effort on budgeting
Respondent 27: I wont eat my snack and lunch.
Respondent 28: Budget wisely
Respondent 29: I will budget strictly.

SENIOR HIGH SCHOOL
Respondent 30: Budget

Question #11: What do you do when you cannot buy what you want?
Respondent1: Nothing. I only want it. I dont need it anyway so I guess Ill wait
til I can buy whatever that is.
Respondent2: I usually ask money from my mom or my dad.
Respondent3: Wait for someone to buy it for me.
Respondent4: Just look at the bright side & tell myself that I will buy those the
next time.
Respondent5: try again to save
Respondent6: Ill take my time for me to buy what I want.
Respondent7: Ask for parents to give additional amount in my allowance or I just
need to save money on my own for days/months to buy what I want.
Respondent8: It motivates me to save
Respondent9: Nothing, I wait for the time I could earn my savings then buy what
I want.
Respondent10: I save
Respondent11: Ill save money and budget it then spend it wisely.
Respondent12: I save money, and wait for it to grow or I
Respondent13: When I cannot buy what I want I just think that I will save first
before I am going to buy that thing.
Respondent14: Save money and somehow letting myself busy
Respondent15: telling myself theres next time
Respondent17: save
Respondent19: Nothing, just ignore
Respondent20: Well, what I can I do? Nothing. I will just buy it when I have
money.
Respondent21: none
Respondent23: Sometimes, I approach my parents if I want something to buy that
is important.
Respondent24: Suck it up & control the urge to buy it. It is a want not a need. Or
save for it, victories are sweeter when it is claimed through hard work &
sacrifices. Eat bitter, taste sweet.
Respondent25: I save more money.
Respondent26: Ask support from my parents
Respondent 27: save
Respondent 28: save more money
Respondent 29: budget and save

SENIOR HIGH SCHOOL
Respondent 30: I will save harder.
Dear Respondents,
We are currently conducting a research entitled Attitudes and Problems of Saint Marys
University Senior High School Students Towards Saving.
In this regard, may we request your full support to this noble endeavor by patiently and
honestly answering the questionnaire. Great part of the success of this study lies in the
truthfulness and completeness of your answers. Rest assured that any information you
entrust would be treated with strict confidentiality.
Thank You very much and may God bless you.
Respectfully,
Aquino, Hanes Dianne B.
Cristobal, Katrina O.
Diamsay, Kyla Jane R.
Francisco, Keith G.
Lanzuela, William Jr. G.
SENIOR HIGH SCHOOL
Palolan, Abygaile L.
The Researchers
Noted by:
Mark C. Balonquita
Research Adviser
Approved by:
Dr. Henry C. Navarro

Principal
Name(optional):_________________________ Age:____ Sex:____ Strand &

Section:______
Instructions: Answer the following questions honestly and truthfully.

1. What is the source of your allowance? for personal and for educational needs?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________
__________________________________________________________________
__________________________________________________________________
____________
2. How do you budget your allowance?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________
3. How do you spend your allowance?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________
4. Are you willing to save? If yes, what are the ways you can do to save your
money?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________

SENIOR HIGH SCHOOL
__________________________________________________________________
________________________
5. Is saving a source of your disappointment or happiness? Why?

__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
________________________
6. What instances manifest your disappointment or happiness towards saving?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
________________________
7. Why do you save money? What is your purpose in saving?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________
8. What problems do you encounter towards saving?

__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________
9. How do you react to the situations if your parents cannot give you more than your
needed allowance?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
______________________________
10. When your allowance is not enough for you to save, what are the solutions you do
to solve the problem?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________

SENIOR HIGH SCHOOL
__________________________________________________________________
__________________________________________________________________
______________________________
11. What do you do when you cannot buy what you want?
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________
Respondent:
________________________
Signature
DOCUMENTATIONS

SENIOR HIGH SCHOOL
PERSONAL INFORMATION
AQUINO, HANES DIANNE B. AQUINO

#11 Ponce Street, Distict IV, Bayombong, Nueva Vizcaya
Contact Number: 09362491028
Email Address: hanesdianneaquino_06@yahoo.com
PERSONAL PROFILE:
Birthday: June 6, 2000
Place of Birth: Bayombong, Nueva Vizcaya
Age: 16
Religion: Roman Catholic
Nationality: Filipino
Language/s or Dialect Spoken: Iloko, Tagalog, and English
Civil Status: Single
Father: Florentino B. Aquino Jr.
Mother: Luneta B. Aquino

SENIOR HIGH SCHOOL
EDUCATION:
Senior High School
Saint Mary's University
Bayombong, Nueva Vizcaya
S.Y. 2016-2017
Junior High School

S.Y. 2015-2016
Elementary Level
Busilac Elementary School
S.Y. 2011-2012
CRISTOBAL, KATRINA O.
C-1 san Guillermo, Isabela
Email Address: lovelygenb@gmail.com
PERSONAL PROFILE:
Birthday: February 16, 2000

Place of Birth: San Guillermo, Isabela
Age: 17
Father: Rey Cristobal
Mother: Manebel Cristobal

SENIOR HIGH SCHOOL
EDUCATION:
Senior High School
S.Y. 2016-2017
Junior High School

Southern Isabela Academy
Isabela
S.Y. 2015-2016
Elementary Level
San Guillermo Central School
Isabela
S.Y. 2011-2012
DIAMSAY, KYLA JANE R.

Solano, Nueva Vizcaya
Email Address: kiajane@gmail.com
PERSONAL PROFILE:
Birthday: December 15, 1999
Place of Birth: Solano, Nueva Vizcaya
Age: 17
Religion: PICC
Father: Dante Diamsay
Mother: Gina Diamsay
EDUCATION:

SENIOR HIGH SCHOOL
Senior High School

S.Y. 2016-2017
Junior High School

Saint Louis School
S.Y. 2015-2016
Elementary Level
Solano South Central School
S.Y. 2011-2012
FRANCISCO, KEITH G.
Paracelis, Mountain Province
Email Address: keithfrancisco14@gmail.com
PERSONAL PROFILE:
Birthday: June 30, 1999
Place of Birth: Paracelis, Mountain Province
Age: 17
Father: Edgar Francisco Jr.
Mother: Arlen Francisco
EDUCATION:
Senior High School

SENIOR HIGH SCHOOL

S.Y. 2016-2017
Junior High School

Paracelis National High School
S.Y. 2015-2016
Elementary Level
Paracelis Central School
S.Y. 2011-2012
LANZUELA, WILLIAM JR. G.

#6 Aggub Road Lactawan, Solano, Nueva Vizcaya
Email Address: williamlanzuelajr@yahoo.com
PERSONAL PROFILE:
Birthday: May 28, 2000
Age: 16
Language/s or Dialect Spoken: Ilocano, Tagalog, and English
Father: William V. Lanzuela Sr.
Mother: Febie G. Lanzuela
EDUCATION:

SENIOR HIGH SCHOOL
Senior High School

S.Y. 2016-2017
Junior High School

S.Y. 2015-2016
Elementary Level
S.Y. 2011-2012
PALOLAN, ABYGAILE L.
Magsaysay, Bayombong, Nueva Vizcaya
Email Address: alpalolan@yahoo.com
PERSONAL PROFILE:
Birthday: July 15, 2000
Age: 16
Religion: Methodist
Father: Alberto Palolan
Mother: Mary Jeanne Palolan
EDUCATION:
Senior High School
SENIOR HIGH SCHOOL

S.Y. 2016-2017
Junior High School

S.Y. 2015-2016
Elementary Level
Magsaysay Elementary School
S.Y. 2011-2012

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Saint Marys University

SENIOR HIGH SCHOOL

THE PROBLEM AND BACKGROUND OF THE STUDY

Furthermore, when in times of encountering such problems towards savings, we are

usually unaware of the attitudes we possessed.

Each of us has the capacity to save a part of our allowance. We cant

PRACTICAL RESEARCH 1 ABM A

Every student in Saint Marys University, particularly in the department of senior

PRACTICAL RESEARCH 1 ABM A

doesnt have importance.

Todays generation is already technology-based. We are being exposed to different

According, to Asuncion et al. (2010), attitudes are an estimate of ones individual

PRACTICAL RESEARCH 1 ABM A

problem to rise (Asuncion et al., 2010).

be appreciated as an individual. Saving whole-heartedly will help you easily gain

saving money (Romana, 2014). As an individual, managing their allowance in terms of

controlling finances is a great help in saving.

individuals to enhance knowledge in spending and budgeting (Romana, 2014). Students

PRACTICAL RESEARCH 1 ABM A

PRACTICAL RESEARCH 1 ABM A

Problems are difficulties encountered to be resolved or dealt with. These problems

to identify the significant kinds of attitudes manifested by a student.

STATEMENT OF THE PROBLEM

PRACTICAL RESEARCH 1 ABM A

economic profile and needs.

economic profile and needs.

SIGNIFICANCE OF THE STUDY

This study is significant for the:

it benefits to each of us for it provides information and strategies towards saving.

children on financial management

PRACTICAL RESEARCH 1 ABM A

patterns as an applied researches.

SCOPE AND DELIMITATIONS

Accountancy and Business Management (ABM), Humanities and Social Science

PRACTICAL RESEARCH 1 ABM A

The attitudes and problems of the

Attitudes and Problems of Saint Mary's University Senior

Figure 1 Paradigm of the Study

students. After the process, the study serves as the output.

Saving: refers to a way of putting aside money for a purpose

Attitude: refers to a way of how students think and behave in saving

PRACTICAL RESEARCH 1 ABM A

Budgeting: refers to an initial plan before spending their allotted money

allowance to achieve their purpose

PRACTICAL RESEARCH 1 ABM A

The descriptive-comparative-correlational method of research was used to

research to determine if there is a significant difference in attitudes and problems of

respondents attitudes and problems toward saving.

Engineering, and Mathematics (STEM), Accountancy and Business Management (ABM),

Technical Vocational Livelihood Strand (TechVoc).

PRACTICAL RESEARCH 1 ABM A

The researchers conducted the study at Saint Marys University located at

Bayombong, Nueva Vizcaya. It is a Catholic and Christian school sustained by

Congregatio Immaculati Cordis Mariae (CICM). Saint Marys University is offering an

DATA GATHERING PROCEDURE

2017 in Saint Marys University particularly the Senior High School.

Making of the questions list by the

Approval of the questionnaires by the

PRACTICAL RESEARCH 1 ABM A

Figure 2 Paradigms of the Data Gathering Procedure

A. Making of the questions list by the Researchers

by the researchers. The researchers will brainstorm to formulate the questions.

questions are related to the topic and free from errors.