TABLE OF CONTENTS

Title .…………………………………….…………………….……………………….……….i

Certificate of Approval………………………………………….….…………………………ii

Acknowledgement…………………………………………...…………….………………….iii

Dedication…..……………………….…………………………………….…………………..iv

CHAPTER 1 – The Problem and Its Background

Introduction…………………………………………..………………………………1

Statement of the Problem…………….………………..……………………………..4

Scope and Delimitation……………………….………………..…………………….5

Significance of the Study…………………………..…….…………………………..5

Definition of Terms………………………………….….……………………………6

CHAPTER 2 – Review of Related Literature and Related Study

Related Literature…………………..………….…………….……………….………8

Related Study…………………………………..…………….………………………10

Paradigm Of The Study……………………………...…………...…….…………….14

CHAPTER 3 – Research Methodology and Procedure

Research Design…………………………………………….…………………….15

Sampling Design………………………………………….………………………15

Research Instrument…………………………………..…………………………..16

Description of the Respondents……………..…………………………………….16

Data Gathering Procedure…………..……………….…………………………….17

Statistical Treatment………………………………..….…………………………..17

CHAPTER 4 – Presentation, Analysis, and Interpretation of Data

Table 1…………………..………….……………..……………………………….20

Table 2…………………………….……….………………………………………21

Table 3……………………………….…….………………………………………21

Table 4………………….……………………….…………………………………22

Table 5…………….…………………………….…………………………………23

Table 6…………………….……………….………………………………………24

Table 7………………….…………………….……………………………………26
CHAPTER 5 – Summary Of Findings, Conclusions, and Recommendations

Summary of Findings…………………....………………………………………28

Conclusions………………………………………...……………….……………29

Recommendations ………………………………………….……………………29

APPENDIXES

A. Request Letter

B. Summary Of Results

C. Instrument

BIBLIOGRAPHY
 ACKNOWLEDGEMENT

The researchers wants to thank the people who helped them in their study. This people who

shared their knowledge and give time for the researchers even though sometimes they are busy. The

researchers want to express and give the sincerest gratitude and appreciation to them.

To Sir Jayson Bala, the researchers Practical Research 2 teacher, to teach and help them in this

study, for sharing his knowledge, for being their grammarian, for giving his time to the researchers and

for having a long patient.

To Senior High Faculty Members, for teaching them how to print and letting them print their

manuscript to help them to less their expenses.

To the Respondents, for letting them to gathered data and give time for their study.

To the Parents, who support them financially and being inspiration.

And above all, to GOD ALMIGHTY, for blessings, guidance and enlighten their mind to be

creative and motivate themselves to finish their study. THANK YOU and GOD BLESS
 DEDICATION

We, the researchers want to thank all the people who help us and for giving us support especially

to Sir Jayson Bala, the one who help us in our study and for having a long patient because sometimes

our schedule for submission are not being followed. To our families, who is our inspiration and for

supporting financially. We also want to thank ourselves for being motivated and for not loosing hope.

Lastly to God for guiding us and for his blessings.

 Financial Literacy Level: Assessing Spending, Saving, and Budgeting Behavior of Selected
Students of Tagumbao National High School
Student’s Questionnaire

Name (Optional) _______________________________________

Part I: Profile
Instructions: Check (✓) inside the circle that corresponds to your information.

A. Age
10 – 11 years old 15 – 17 years old
12 – 14 years old 18 – 21 years old
B. Gender
Male Female
C. Grade level
Grade 7 Grade 10
Grade 8 Grade 11
Grade 9 Grade 12
Part II.
Directions: Put a check (✓) based on your financial literacy in each presented statement. Use the scale
indicated below:
5 – Strongly Agree (SA)
4 – Agree (A)
3 – Disagree (DA)
2 – Strongly Disagree (SDA)
1 – Never (N)
 Strongly
Strongly Agree Disagree Never
SPENDING BEHAVIOR Disagree
Agree (SA) (A) (DA) (N)
(SDA)
1. I spend my money for my
school supplies.
2. I am hesitant to spend my
money when it comes to food.
3. I spend my money on
shopping online and offline if
needed only.
4. I compare prices before I buy
my needs and wants.
5. I prefer to choose cheap price
for the things I buy.
6. I control spending my
allowance everyday.
7. I spend less money when I’m
with my friends.
8. I spend money in an item
which I really need.
9. I wait for shoes, bags, and
clothes to be sale before
buying.
10. I can control myself from
spending money.
Strongly
Strongly Agree Disagree Never
SAVING BEHAVIOR Disagree
Agree (SA) (A) (DA) (N)
(SDA)
1. I can save money despite
having low finances.
2. I save the change from the
money I used in buying.
3. I save money as much as I
could even without any
reason.
4. I start saving for my future as
early as today.
5. I save money according to
what I want to buy.
6. I save money according to
what I need to buy.
7. I usually buy cheap items to
save money.
 8. I save more rather than
spending.
9. I prioritize saving rather
buying foods when I am in my
school.
10. I achieve my set saving goals
for myself
Strongly
Strongly Agree Disagree Never
BUDGETING BEHAVIOR Disagree
Agree (SA) (A) (DA) (N)
(SDA)
1. I know how to budget my
money.
2. I prefer a list of budgeted
required items before buying.
3. I budget my allowance for the
whole week.
4. I plan my budget to achieve
my financial objectives.
5. I carefully consider what to
buy next before buying
something.
6. I prioritize buying all items
that are necessary.
7. I do not spend money on
things that is not included in
the budget.
8. I budget all of my needs
beforehand.
9. I budget my money depend on
what I have to buy.
10. I’m able to determine what to
prioritize before and during
buying an item/s

Part III. Directions: Put a check (✓) inside the box that corresponds to your answer.
Extremely Very Very
FINANCIAL LITERACY LEVEL High Low
High High Low
1. I set a side my wants and buy things for
necessary needs.
2. I have budgeting practices of my allowance.

3. I am familiar with the process of spending,

saving, and budgeting my money.
4. I feel confident in my ability to manage my
personal finances effectively.
5. I know how to count and calculate money
when I buy something and have a change.
6. I have a basic understanding how to create a
budget.
7. I know how to differentiate between needs
and wants when making spending decision.
8. I know how to research and compare prices
before making a purchase.
9. I consider all my needs before spending
money on what I wants.
10. I understand the importance of saving money
for the future goals.