000			02652nam a2200313 i 4500
003			CSPC
005			20260317102812.0
008			260317s2025 ph a b 000 0 eng d
040			_aCSPC _beng _cCSPC _erda
090			_aUTH BSOA L881s 2025
100	1		_aLopez, Mary Chritine I., _eauthor.
245	1	0	_aSmart spending : _ba study on the relationship between financial literacy and students purchasing decision / _cMary Christine I. Lopez, Althea Mahilom, and Jeanel Mae B. Marbella.
260			_aBuhi, Camarines Sur : _bCamarines Sur Polytechnic Colleges, _c2025.
300			_a115 leaves.
336			_2rdacontent _atext
337			_2rdamedia _aunmediated
338			_2rdacarrier _avolume
502			_aUndergraduate Thesis (BSOA)- Office Administration. _cCamarines Sur Polytechnic Colleges, 2025.
504			_aIncludes bibliographical references.
520	3		_aThis study, Smart Spending: A study on the Relationship Between Financial Literacy and Students' Purchasing Decisions, investigated how financial knowledge shapes the spending habits of BSOA students at CSPC Buhi Campus. Using a survey response from 200 students, the research assessed their financial literacy in terms of budgeting skills, saving habits, understanding of financial concepts, decision-making abilities, and use of budgeting tools, as well as their purchasing decision based on frequency of purchases, prioritization of needs, and use of allowance. The findings revealed that most students possess a high level of financial literacy, particularly in separating needs from wants and adjust their budget, when necessary, although their use of budgeting applications remains limited. Results also showed a significant influence of daily allowance on both financial literacy and purchasing behavior, as students with smaller allowances tend to be more disciplined and cautious in managing their expenses. Furthermore, significant differences were observed when respondents were grouped according to age, sex, year level, and source of allowance. Based on these outcomes, the study recommends the development of a financial literacy program aimed at improving students' budgeting practices, saving habits, and overall responsible spending behavior.
700	1		_aMahilom, Althea, _eauthor.
700	1		_aMarbella, Jeanel Mae B., _eauthor.
720	1		_aTañamor, Ma. Bernadette O., _eadviser.
720	1		_aLuzon, April Z., _epanelist, chair.
720	1		_aVillar, Mariber M., _epanelist.
720	1		_aAdriano, Rolando B., _epanelist.
942			_2ddc _n0 _cUM _hL881s _iBSOA _kUTH _m2025
999			_c32074 _d32074