Munoz, Mary Nakazawa, Narvaja, Jessa Oliver, Tatjana Paghubasan,

Joy Yamato Kaye Rolyn

Spending Behavior of Selected
Grade 11 ABM Students in
UPHSD- Molino
Background of the Study
We conduct this study to understand the students
behavior towards money. This research explains how the
students decide where and how they will spend their
money.

Our study aims to know where the students spends the

most and least of their allowances. By this we can now
predict the different spending behavior of the selected
students.
Theoretical Framework
• Theory of Intertemporal Choices (Fisher, 1930)
• the process by which people make decisions about what
and how much to do at various points in time, when
choices at one time influence the possibilities available at
other points in time.
• Fisher's model showed how rational forward looking
consumers choose consumption for the present and future
to maximize their lifetime satisfaction
• Foresight, self-control, habit, expectation of life, and
bequest motive (or concern for lives of others) are the five
personal factors that determine a person's impatience
which in turn determines his time preference.
Methodology
Research Design
- The type of Qualitative research that we used in our study
is phenomenology
Setting
- SHS-Building in University of Perpetual Help System-Molino
Campus
Participants and Sampling Procedure
- Ten selected Grade 11 ABM students in the University of
Perpetual Help-Molino Campus participated in this study.
- Purposive sampling technique was used as clear
characteristics of the participants was required.
Data Analysis
- To analyze the data collected in the study, the interview
recorded tape were first transcribed. It was assumed that as the
tapes were transcribed certain themes would emerge. The data
analysis deemed sufficient to gather the information relevant to
the research question in the study. It also allowed the
researcher to predict he spending behavior of the student.
Data Collection
- We as an ABM student interested to know how our co-
ABM students spend their money or their spending behaviors
toward their money/allowances.
- We conducted with Grade 11 ABM students by using
face to face interview.
Results and Discussions
What are the different spending behavior of ABM Students?
- Food, transportation and school expenses
- Balancing the students expenses
- Saving as a Good Practical Skill
What are the most priority as well as the least priority of a
students in spending their allowances?
- Good Financial Management Skills
- Disciplining oneself from spending too much
- Its Benefits
How does the behavior affect the daily expenses of the
students?
- Prioritizing the most needed things
- School Expenses Affects The Students Budget
- Being Quality Conscious
- Money affects the behavior of a student
Conclusions
• Most of the selected students spend the most of their
money on foods, transportation fare and in the school
projects.
• Student prioritized their needs over their wants which
make us conclude they manage their money according
to their needs.
• In spending and in saving, specifically both self needs
and academic matter is the main focus of the ABM
students.
Recommendations
The knowledge gained from this study leads to the
following recommendations. First, since this study was done
only with ten selected Grade 11 ABM students, it is not
totally enough to predict the different spending behavior of
the students. It is more convenient to the future researchers
if they have enough respondents and time to do this
research paper for them to have enough information
needed. They can also interview students not only on ABM
major but also in different tracks for them to differentiate if
having knowledge about financial matter really affects on
how students spends their money.
And lastly, as a senior high students, they must know how to
identify the wasteful expenditures for them to achieve their
financial goals. They should set some limitations on
spending their money to help disciplining themselves not to
spend too much. Moreover, the students should establish a
good habit to learn some financial planning skills how to
spend their money wisely for them to apply their knowledge
gained in the ABM field in real life situations.
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