Colegio de Sta.

Monica de Angat
SENIOR HIGH SCHOOL DEPARTMENT
Poblacion, Angat 3012, Bulacan

THE EFFECT OF INFLATION ON FINANCIAL BUDGETING PERSPECTIVES

OF GRADE 11 SENIOR HIGH SCHOOL STUDENTS IN
COLEGIO DE STA. MONICA DE ANGAT

A Qualitative Research Presented to the

Senior High School Department
Colegio de Sta. Monica de Angat

In fulfillment
of the Requirements for
Practical Research 1

Agtang, Ranzel Leandrei R.

Dela Torre, Carla Jeramie S.
Hizon, Allyah Rae G.
Landayan, Johanna Beatrice B.
Malate, Cassandra Monica D.
Sayco, Queen Isabel C.
Researchers

Ms. Klaudette C. Mamaril

Research Adviser

May 2024
 Acknowledgements

This research would not be possible without the participation and assistance of many

people whose names may not be all enumerated. Their contributions are acknowledged and

sincerely appreciated. However, the researchers would like to express their gratitude and deep

appreciation to the following

To Ms. Klaudette C. Mamaril, our utmost gratitude goes out to you for your unwavering

guidance and support throughout this research process. Your insights and guidance have played a

crucial role in shaping our project, and we are truly grateful for your kind consideration and

constant support.

We would also like to extend our most heartfelt thanks to all the participants who generously

shared their experiences and insights with us. Your willingness to participate in this project has

been invaluable, and we are grateful for your invaluable contributions to our understanding and

knowledge of the topic.

Moreover, we would like to express our heartfelt gratitude to everyone who has supported and

helped us in this project, including our families and friends, who have provided us with

unwavering support and encouragement throughout the process. We are incredibly grateful for

all the support we have received and the lessons we have learned along the way.

Finally, we would like to express our deepest thanks to the Almighty God, who has given us the

strength and wisdom to complete this research proposal. We are eternally grateful for Your

blessings and guidance, and Your unending favor has allowed us to accomplish this endeavor.

2
 Abstract

The sudden changes brought about by inflation have significantly affected the financial

budgeting perspectives of Grade 11 students at Colegio de Sta. Monica de Angat. The study

aimed to understand the students' knowledge and awareness of inflation, the strategies they

employ to cope with rising costs, and how they budget and adjust their spending habits in the

face of inflation. The research used a case study design and Google Forms to collect data from

129 Grade 11 students. The majority of students understood the concept of inflation and its effect

on their finances, but the majority indicated that inflation has affected their budgeting

perspectives and spending habits. To manage their finances effectively during inflationary

periods, many students employed strategies such as setting a budget plan, prioritizing essential

expenses, finding cost-effective alternatives, being mindful of financial management, and being

disciplined in sticking to their budget. However, some students admitted to being unable to

manage their finances effectively during inflationary periods. The findings suggest that while

students have a good understanding of inflation and its implications, they may still need to

improve their budgeting skills. By developing strong budget planning skills, students can learn to

effectively manage their finances, navigate unexpected financial challenges, and improve their

overall financial well-being.

Keywords: Inflation, budgeting perspectives, budgeting priorities, budgeting strategies,

financial literacy, financial habits, financial management, personal budgeting.

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Table of Contents

TITLE PAGE…………………………………………………………………….………..….…. 1

ACKNOWLEDGEMENT………………………………………………………………………. 2

ABSTRACT……………………………………………………………………….…………….. 3

TABLE OF CONTENTS……………………………………………...….……………………... 4

Chapter I. Introduction………………………………………………………………………... 6

Statement of the Problem……..………………………………………………………….. 6

Significance of the Study……………………..………………………………………….. 7

Scope and Delimitations…………..……………………………………………………... 8

Review of Related Literature…..……………………………………………………....… 8

Definition of Terms……………..………………………………………………………. 10

Chapter II. Research Methodology……………………………………………………… 12

Research Design……………………...…………………………………………………. 12

Data Collection and Analysis..………………………………………………………….. 13

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Chapter III. Results and Analysis….........…………………………………………………… 18

Presentation, Analysis, and Interpretation of Data………..…………………………… 18

Chapter IV. Discussion………………...……………………………………………………… 37

Summary…………………………...…………………………………………………… 37

Conclusions……………………………………………………………………………... 40

Recommendations……………………………..………………………………………... 41

References……………………….……………………………………………………………... 42

Appendices…………………………………...………………………………………………… 43

Informed Consent……………………………………..………………………………….43

Letter…………………………………………..…………………………………………44

Questionnaire / Research Instrument…………………………………………………… 45

Curriculum Vitae……………………………...………………………………………... 47
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Chapter I

Introduction

Inflation, which refers to the continuous increase in prices over time, has been recognized

as a challenge for individuals and households who must adjust their budgeting and spending

habits to accommodate the rising price levels (Ravi, 2022). This effect is particularly pronounced

for young people, who are just beginning to develop their financial habits and may face

difficulties comprehending the effect of inflation on their budgeting and saving decisions. The

rates of inflation have been increasing annually, leading to the adjustment of prices (Ravi, 2022),

which can have significant consequences for their financial literacy and learning. The study aims

to explore the effect of inflation, referred to as the continuous increase in prices over time, on the

financial budgeting perspectives of Senior High School students at Colegio de Sta. Monica de

Angat.

Statement of the Problem

This case study examined the effect of inflation on financial budgeting perspectives

among Grade 11 Senior High School students at Colegio de Sta. Monica de Angat, with a focus

on how inflation affected their budgeting and saving strategies. The research paper also aimed to

identify the strategies that were being used to manage their finances in the face of inflation. The

following questions were analyzed to achieve these objectives:

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1. What is the level of knowledge and awareness about inflation and its effect on their

financial budgeting perspectives among Grade 11 Senior High School students at Colegio

de Sta. Monica de Angat?

2. What specific strategies have Grade 11 Senior High School students at Colegio de Sta.

Monica de Angat employed to cope with the rising costs and inflation?

3. How do Grade 11 Senior High School students at Colegio de Sta. Monica de Angat

budgets their money and adjusts their spending habits to accommodate higher prices

during periods of high inflation?

Significance of the Study

This case study aimed to examine the effect of inflation on the financial budgeting

perspectives of Grade 11 Senior High School students in Colegio de Sta. Monica de Angat. The

research offered valuable insights to various beneficiaries, including:

1. The students can learn about the effects of inflation on budgeting and how to adjust their

spending habits during times of high inflation.

2. Parents and guardians can also benefit from this research and learn about the potential

effects of inflation on budgeting and how to adjust their spending habits during times of

high inflation.
 3. Educators and school administrators can use the findings to inform their teaching and

policies related to financial literacy and budgeting during a changing economic

environment.

4. Government agencies and policymakers can use the findings to inform the

development of policies aimed at addressing the impact of inflation on the budgeting and

spending habits of students and other vulnerable populations.

5. Future researchers and scholars can use the findings to inform their studies and

theories related to inflation, budgeting, and personal finance.

Scope and Delimitations

This case study focused on Grade 11 ABM, HUMSS, and STEM students at Colegio de

Sta. Monica de Angat, as they were able to gain an improved understanding of the effect of

inflation on financial planning and decision-making. The research study began in the second

semester of the school year 2023-2024, specifically starting in March. Data collection was

achieved through a survey questionnaire, which was answered by the selected Grade 11 ABM,

HUMSS, and STEM students of Colegio de Sta. Monica de Angat. The researcher assessed the

factors that influenced the financial budgeting of the students while accounting for the effect of

inflation on this process.

Review of Related Literature

 Inflation is a common economic phenomenon characterized by a gradual increase in the

general price level of goods and services over time, as described by Bora (2013). This increase in

prices can result in a decrease in personal purchasing power, potentially leading to a shift in

spending habits and budgeting strategies (Smith & Jones, 2019).

To further explore the effects of inflation on the financial budgeting perspectives of

senior high school students, Anyanwu (2011) asserts that inflation has significant effects on

individuals and households, particularly during periods of high inflation. It causes social and

economic unrest and instability, which is evident during the current global inflation crisis. In

particular, high inflation has had a significant effect on students due to their limited finances and

fixed incomes. As the cost of living increases, students have struggled to make ends meet, often

having to prioritize essential expenses such as food, accommodations, and tuition fees over other

items. This has made it difficult for students to save for the future.

Meanwhile, Baldelamar et al. (2024) highlight the coping strategies that have been

adopted by students during the current inflation crisis, including budgeting carefully, seeking

financial assistance, working part-time or full-time jobs, and reducing spending on non-essential

items. Some students are also taking advantage of financial literacy programs and workshops to

learn how to better manage their finances. Additionally, Avila and Gatpolintan (2019) explored

customer responses to shifting prices and preferences, indicating that consumer choices are

influenced by awareness of options and sensitivity to relative costs. According to these findings,

consumers are likely to shift away from expensive options and utilize cheaper alternatives when
prices rise. In this context, senior high school students with limited finances are likely to be

highly affected by inflation. Students in the study of Baldelamar et al. (2024) adopted various

strategies

to manage the fallout of rising prices. However, high inflation has a significant effect on personal

finances and is a major concern for senior student budgets. In light of this, it is crucial to explore

its effects on financial budgeting.

In conclusion, inflation has a significant effect on personal finances, requiring

adjustments in financial budgeting perspectives. Exploring the effects of inflation on the

financial budgeting perspectives of senior high school students is important because inflation has

a profound effect on their finances. To effectively manage this effect, students can employ

various strategies, such as budgeting, seeking financial assistance, working part-time or full-time

jobs, reducing spending on non-essential items, and using financial literacy programs to learn

how to better manage their finances. Overall, inflation has a significant effect on personal

finances, and students must be ready to adapt to the changing economic landscape through

financial literacy programs, budgeting, and other strategies.

Definition of Terms

To provide clear definitions of the terms used in this study, the following terms are

defined:
1. Budgeting: refers to the process of planning and allocating income to meet expenses and

achieve specific financial goals. It involves making decisions about how to spend, save,

and invest money.

2. Financial Perspectives: refers to the ideas and attitudes about money management,

including budgeting, investing, saving, borrowing, and dealing with risks. A strong

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financial perspective can help individuals and organizations make informed decisions

about their financial futures and achieve their financial goals.

3. Inflation: refers to the increase in the price of goods and services over time. When

inflation occurs, goods and services cost more, so people have to pay more for the same

amount of goods and services than they would have in the past.

4. Money: refers to a generally accepted medium of exchange that can be used to purchase

goods and services, and serves as a way for people to engage in trade, making it a

fundamental aspect of economic systems worldwide.

5. Spending Habits: refers to the habitual way in which one uses money, including how

one determines the amount to spend, how one chooses to spend, and how one prioritizes

spending. It also includes how frequently one spends versus saving.

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Chapter II

Research Methodology

This chapter discussed the following topics: research design, target population, sample size and

procedure, research instruments, data gathering procedure, and data analysis.

Research Design

Qualitative research involves collecting and analyzing non-numerical data (e.g., text,

video, or audio) to understand concepts, opinions, or experiences. It can be used to gather in-

depth insights into a problem or generate new ideas for research (Bahandari, 2020). A qualitative

research method known as a case study is an appropriate research design when you want to gain

concrete, contextual, and in-depth knowledge about a specific real-world subject. It allows you to

explore the key characteristics, meanings, and implications of the case. According to McCombes

(2019), case studies are good for describing, comparing, evaluating, and understanding different

aspects of a research problem.

 In this study, the researchers used a case study design to study the experiences,

perspectives, and opinions of the participants regarding the effect of inflation on the financial

budgeting perspectives of Grade 11 students at Colegio de Sta. Monica de Angat. This study

aimed to understand how inflation affects the financial decisions of young people and explore the

strategies they employ to manage their finances in the face of rising prices. The target group for

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this study was Grade 11 students, as they are the age group where financial literacy and

understanding become significant.

The researcher created a survey questionnaire using Google Forms to collect data from

the participants. The data was collected based on the participants' experiences and perspectives

regarding the effect of inflation on their financial decision-making processes and budgeting

strategies.

Data Collection and Analysis

Population and Sample of the Study

This case study investigated the financial budgeting perspectives of Grade 11 students.

The population of the study consisted of 129 Grade 11 students at Colegio de Sta. Monica de

Angat in Angat, Bulacan, who served as participants in the research.

 The researchers randomly selected 98 students as respondents using Slovin's formula,

which ensured a certain 95% level of confidence interval when sampling the population with an

appropriate sample size. The researchers used probability sampling, specifically stratified

random sampling, to ensure that each member of the entire population had a chance to be

selected as a participant and to minimize bias.

The population was stratified into four sections: 11 HUMSS - Humilitas, 11 ABM -

Fides, 11 STEM 1 - Caritas, and 11 STEM 2 - Spes, and the researchers selected 20 respondents

each for 11 HUMSS - Humilitas and 11 ABM - Fides and 29 respondents each for 11 STEM 1 –

Caritas

13

and 11 STEM 2 - Spes to ensure a balanced representation of all strata. This sampling method

resulted in a total of 98 respondents, which was derived from the application of Slovin's formula

with a margin of error of 5%. The researchers believed that this sample size and sampling

method allowed them to garner a comprehensive and representative view of the Grade 11

students' financial budgeting perspectives, with the intention of aligning the data collected with

the researcher's objectives and study aims.

Research Instrument

The participant answered a survey that was provided by the researchers. The

questionnaire contained different types of questions, which were settled on an online survey

platform, Google Forms. The questions on the said survey were based on the research questions
of the study, were arranged according to the objectives of the study, and were organized to gather

essential information about the experiences and perspectives of the participants regarding the

effect of inflation on their financial decision-making processes and budgeting strategies as Grade

11 students. The researcher was expected to produce efficient subjective questions for the

respondents to provide their opinion on the said study, resulting in qualitative data that would aid

the researcher in compiling and finding authentic findings that lead to new developments about

the study.

The questionnaire contained approximately 15 questions that were designed to gain

insights into the experiences and perspectives of Grade 11 students regarding the effect of

inflation on their financial decision-making processes and budgeting strategies based on their

experiences. The method of data collection included two types of questionnaires: structured and

unstructured

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questions. The types of questions that were asked included four types: recognition type, yes or no

type, coding type, and subjective type. The recognition type of question was used to gather basic

information from participants. The yes-or-no type of question was used to get an overview of the

students’s perspectives on the effect of inflation on their financial budgeting. The scale that was

used for the coding type of questions was the Likert scale, which was chosen as it is easy to

construct and is a reliable method when it comes to measuring and collecting the respondent’s

perspectives on the topic. The subjective type of question allowed the respondents to freely

answer the following questions regarding the effect of inflation on their budgeting and saving

decisions.
 The questionnaire was provided in the form of Google Forms, whose link was distributed

online via Messenger, and the link to the questionnaire was sent to each group chat, which was

provided by the researchers. The purpose of the survey was to acquire insights into the

experiences and perspectives of the participants regarding the effect of inflation on their financial

decision-making processes and budgeting strategies.

Data Gathering Procedure

According to Suthar (2024), data collection, also known as data gathering, is a critical

aspect of any research study. It involves the systematic and meticulous process of collecting,

measuring, and recording data from various sources, such as surveys, interviews, observations,

experiments, documents, or existing databases. This data-gathering process is essential for

scientific research as it provides researchers with relevant and reliable data to study complex

phenomena, test hypotheses, and draw meaningful conclusions. Without proper data collection,

15

research would rely solely on speculation, which may not provide accurate or reliable insights.

Therefore, it is crucial to carefully plan and execute the data collection process to ensure that the

research findings are supported by strong, reliable evidence.

The data collection procedure involved distributing permission and consent letters to the

principal and Grade 11 students at Colegio de Sta. Monica de Angat, outlining the study's goals

and providing a schedule for engagement. Participants received a survey link via Messenger that

contained a curated set of 15 questions designed to gather insights into the effect of inflation on
the financial budgeting perspectives of Grade 11 students. Participants were expected to

complete the questionnaire within a reasonable timeframe, typically taking around 5 to 10

minutes. The use of an online survey platform ensured accessibility, customization options, and

real-time data collection capabilities, facilitating efficient data gathering and analysis.

To ensure participant confidentiality, all information provided was treated with strict

confidentiality and used exclusively for research purposes. Data collected through the online

survey tool was stored securely on password-protected devices accessible only to the research

team. Identifying information was anonymized, and data was aggregated and analyzed

collectively to protect individual privacy.

To analyze the data in the case study, two research tools were utilized by the researchers:

content analysis and thematic analysis. The method used with the questions in the first three parts

of the questionnaire, which were recognition, yes or no, and coding types of questions, was

content analysis. It involved transforming qualitative data gathered into quantitative data to

interpret the meaning of certain words, themes, or concepts and come up with reliable

conclusions. On the other

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hand, the data gathered from the last part of the questionnaire, which contained three subjective

types of questions, was analyzed through the use of thematic analysis. This method enabled the

researchers to closely analyze the textual data provided by the respondents to identify common

patterns and ideas within the given set of data. To do this, the researchers coded the respondents'

answers. Both content analysis and thematic analysis were effective research tools to gather and
analyze data to draw meaningful conclusions and provide insights into the financial budgeting

perspectives of the Grade 11 students of Colegio de Sta. Monica de Angat.

Overall, this methodology outlines the procedures that were used to collect data on the

effects of inflation on financial budgeting perspectives among Grade 11 students, with a clear

emphasis on participant confidentiality. This approach was designed to provide valuable insights

into the strategies employed by young individuals in managing their finances during periods of

inflation, ensuring the reliability and validity of the findings by directly addressing specific

research questions and methodological considerations.

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Chapter III

Results

This chapter outlines the results of a survey conducted on May 10 & 11, 2023, via online Google

Forms. Using the responses they collected, the researchers will analyze the experiences and
perspectives of the participants regarding the effect of inflation on their financial decision-

making processes and budgeting strategies.

Presentation, Analysis, and Interpretation of Data

TABLE 1 – ACADEMIC TRACK OF THE RESPONDENTS

Table 1 shows the academic track of the surveyed population, illustrating that each

section has 29.6% of respondents belonging to the strands of Science, Technology, Engineering,

and Mathematics (STEM), specifically in 11 STEM 1 and 11 STEM 2, while 20.4% each are

from the Humanities and Social Sciences (HUMSS) and Accountancy, Business, and

Management (ABM) strand.

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TABLE 2 – SEX OF THE RESPONDENTS

 Table 2 illustrates the sex of the respondents, 62.2% of the respondents were female, and

37.8% were male.

TABLE 3 – AGE OF THE RESPONDENTS

Table 3 illustrates that 50% of the respondents were 17 years old, followed by 48% who

were 16 years old, and only 2% who were 15 years old.

TABLE 4 – DAILY ALLOWANCE OF THE RESPONDENTS

Question no. 1: How much is your allowance per day?

100 to 149 pesos 150 to 199 pesos 200 pesos More than 200 pesos

19 respondents 28 respondents 40 respondents 9 respondents

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Table 4 presents the distribution of allowance amounts among the surveyed students,

indicating that 19 students have an allowance of Php 100 to Php 149, 28 have an allowance of
Php 150 to Php 199, 40 have an allowance of Php 200, and 9 have an allowance of more than

Php 200 pesos per day.

TABLE 5 – DAILY EXPENSES OF THE RESPONDENTS

Question no. 2: How much do you typically spend on daily expenses such as food,

transportation, and personal items per day?

Less than 100 to 149 150 to 199 200 pesos More than None
100 pesos pesos pesos 200 pesos

18 51 20 7 respondents 1 respondent 1 respondent

respondents respondents respondents

Table 5 presents the daily expenses of the respondents. It shows that 1 student does not

spend a day, 18 students have expenses under 100 pesos, 51 students have expenses at Php 100

to Php 149, 20 students have expenses at Php 150 to Php 199, 7 students have expenses at 200

pesos, and 1 student has expenses over Php 200 per day.

TABLE 6 – RESPONDENTS’ LEVEL OF KNOWLEDGE ABOUT INFLATION

Question no. 3 Yes No

Do you have any knowledge about inflation? 96 respondents 2 respondents

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 Table 6 shows the respondents’ level of knowledge surrounding inflation, with 98% of

respondents indicating that they have knowledge about inflation, while only 2% answered that

they do not have knowledge about it.

TABLE 7 – AWARENESS OF THE RESPONDENTS IN INCREASING PRICES

Question no. 4 Yes No

Have you noticed any increase in the prices of items you 97 respondents 1 respondent
regularly purchase due to inflation?

Table 7 presents the responses of the respondents as to whether they noticed any increase

in the prices of the items they regularly purchase due to inflation. The findings indicate that 99%

of the respondents answered yes, indicating that the majority of the respondents noticed an

increase in the price of the items they frequently purchase. The remaining 1% of the respondents

answered no, indicating that only a small percentage of respondents did not notice any increase

in the prices of the items they regularly purchase due to inflation.

TABLE 8 – THE RESPONDENTS' RESPONSES ON THE EXISTENCE

OF A BUDGET PLAN

Question no. 5 Yes No

Do you have a budget plan? 56 respondents 42 respondents

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 Table 8 presents the responses of the respondents that were surveyed about whether or

not they have a budget plan, indicating that 75.1% of the total number of participants answered

yes, meaning they have a budget plan, while 42.9% of the respondents gave a no answer, which

implies that they do not have a budget plan or did not follow a plan if they had one.

TABLE 9 – RESPONSES OF THE RESPONDENTS REGARDING WHETHER THEY

HANDLE UNEXPECTED EXPENSES AND CHANGES IN THEIR BUDGETING

Question no. 6 Yes No

Do you handle unexpected expenses or changes in your 82 respondents 16 respondents

budget?

Table 9 presents the responses of the respondents regarding whether they handle

unexpected expenses and changes in their budget. 82% of the respondents answered yes,

indicating that they do handle such events, while 16.3% answered no, stating that they do not

handle unexpected expenses or changes in their budget.

TABLE 10 – PERSPECTIVES OF THE RESPONDENTS ON THEIR SELF-

ASSESSMENT OF THE FINANCIAL MANAGEMENT SKILLS

Question no. 7: I am good at managing my finances.

Never Rarely Sometimes Often Always

0 respondent 9 respondents 44 respondents 36 respondents 9 respondents

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 Table 10 presents the perspective of students on their self-assessment of their financial

management skills. The table shows the frequency of responses on a scale of 1–5, where 0

responses were given for “never,” 9 responses were given for “rarely,” 44 responses were given

for “sometimes,” 36 responses were given for “often,” and 9 responses were given for “always”

to the statement “I am good at managing my finances.”

TABLE 11 – PERSPECTIVES OF THE RESPONDENTS ON THEIR LEVEL OF

CONFIDENCE IN THEIR ABILITY TO MANAGE THEIR MONEY

Question no. 8: I have confidence in my ability to manage my money and make financial

decisions.

Never Rarely Sometimes Often Always

0 respondent 10 respondents 29 respondents 46 respondents 13 respondents

Table 11 presents the perspective of students on their level of confidence in their ability

to manage their money and make financial decisions. The table displays the distribution of

responses on a scale of 1–5, where 0 responses were given for “never,” 10 responses were given

for “rarely,” 29 responses were given for “sometimes,” 46 responses were given for “often,” and

13 responses were given for “always” to the statement “I have confidence in my ability to

manage my money and make financial decisions.”

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 TABLE 12 – PERSPECTIVES OF THE RESPONDENTS REGARDING TO THEIR

APPROACH TO BUDGETING DUE TO THE RISING COST OF LIVING

Question no. 9: I have changed my approach to budgeting due to the rising cost of living.

Never Rarely Sometimes Often Always

2 respondents 8 respondents 37 respondents 41 respondents 10 respondents

Table 12 presents the perspective of students on the extent to which they have changed

their approach to budgeting in response to the rising cost of living. The table displays the

distribution of responses on a scale of 1–5, where 2 responses were given for “never,” 8

responses were given for “rarely,” 37 responses were given for “sometimes,” 41 responses were

given for “often,” and 10 responses were given for “always” to the statement “I have changed

my approach to budgeting due to the rising cost of living.”

TABLE 13 – PERSPECTIVES OF THE RESPONDENTS ON THEIR ABILITY TO

MANAGE THEIR BUDGET DURING INFLATIONARY PERIODS

Question no. 10: I find it more difficult to manage my budget during inflationary periods.

Never Rarely Sometimes Often Always

0 respondent 13 respondents 26 respondents 38 respondents 21 respondents

Table 13 represents the perspective of students on their ability to manage their budget

during inflationary periods. The table presents the frequency of responses on a scale of 1–5,

where
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0 responses were given for “never,” 13 responses were given for “rarely,” 26 responses were

given for “sometimes,” 38 responses were given for “often,” and 21 responses were given for

“always” to the statement “I find it more difficult to manage my budget during inflationary

periods.”

TABLE 14 – PERSPECTIVES OF THE RESPONDENTS REGARDING THE BENEFITS

OF HAVING A BUDGET PLAN

Question no. 11: I believe that having a budget plan can be beneficial.

Never Rarely Sometimes Often Always

0 respondent 3 respondents 15 respondents 38 respondents 42 respondents

Table 14 displays the perspective of the students regarding the benefits of having a

budget plan. The table presents the frequency of responses on a scale of 1–5, where 0 responses

were given for “never,” 3 responses were given for “rarely,” 15 responses were given for

“sometimes,” 38 responses were given for “often,” and 42 responses were given for “always” to

the statement “I believe that having a budget plan can be beneficial.”

TABLE 15 – PERSPECTIVES OF THE RESPONDENTS ABOUT FINANCIAL

MANAGEMENT

Question no. 12: I believe that financial management is an important part of my overall well-

being.

Never Rarely Sometimes Often Always

 1 respondent 3 respondents 19 respondents 35 respondents 40 respondents

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Table 15 provides an insight into the perspective of the students on the significance of

financial management for their overall well-being. The table displays the frequency of responses

on a scale of 1–5, where 1 response was given for “never,” 3 responses were given for “rarely,”

19 responses were given for “sometimes,” 35 responses were given for “often,” and 40 responses

were given for “always” to the statement “I believe that financial management is an important

part of my overall well-being.”

TABLE 16 – THE EFFECT OF INFLATION ON THEIR PERSONAL BUDGET

Question no. 13 Yes No

Have you experienced the effects of inflation on your 89 respondents 9 respondents

budget? If so, can you explain how you adjusted your
budgeting approach as a result?

Table 16 depicts the responses of the surveyed individuals regarding their experience

with the effects of inflation on their budgeting. As evidenced by the responses, a total of 89

participants claimed to have experienced the effects of inflation on their budgeting, while only 9

respondents denied facing these effects.

TABLE 17 – ADJUSTING APPROACH OF THE RESPONDENTS IN BUDGETING

According to the respondents, adjusting their budgeting approach involves:

Common Answer Frequency

” Saving instead of spending” 9 respondents

 ” Implementing zero based-budgeting” 5 respondents

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”Prioritizing essential expenses over non-essential one” 34 respondents

”Bringing food from and walking to school, etc.” 5 respondents

”Looking for cost-effective alternatives” 4 respondents

” Being mindful in managing finances” 23 respondents

”Do not make any adjustments to their current budgeting approach” 18 respondents

Table 17 provides an overview of the common actions respondents have taken in

adjusting their budgeting approach: 9 respondents chose saving instead of spending as their

method; 5 respondents chose implementing zero-based budgeting; 34 respondents chose

prioritizing essential expenses over non-essential ones; 5 respondents chose bringing food from

home and walking to school; 4 respondents chose looking for cost-effective alternatives; 23

respondents chose being mindful in managing finances; and 18 respondents chose not making

any adjustments to their current budgeting approach. It is important to note that each individual's

situation may differ, and some may find one approach more suitable for their needs than others.

TABLE 18 – WAYS IN WHICH THE INCREASE IN PRICES HAVE AFFECTED THE

SPENDING CHOICES OF THE RESPONDENTS

Question no. 14: In what ways has the increase in prices affected the way you prioritize your

spending choices? Can you provide specific examples?

According to the responses provided by the respondents, the ways in which the increase in prices

have affected their spending choices, include:

27

Common Answer Frequency

”Need to prioritize essential expenses” 58 respondents

”Increase in transportation costs” 12 respondents

” Impulsive buying” 7 respondents

” Being kuripot” 3 respondents

” More mindful approach to managing finances” 16 respondents

”No change in spending behavior” 2 respondents

Table 18 presents the responses of the respondents as to how the increase in prices

affected their spending choices, with 58 of them selecting "need to prioritize their essential

expenses" as one of the ways, and 12 respondents choosing "transportation cost" as another.

Additionally, 7 of the respondents selected "impulsive buying" as a factor in their adjusted

spending habits, while 3 respondents acknowledged "being kuripot" as a factor. Another 16

respondents claimed "being mindful in managing finances" as the way they have adapted to the

rise in prices, and 2 of them claimed that the increase in prices did not affect their spending

choices. This table highlights the different ways the respondents have adapted their spending

habits, ranging from prioritizing essential expenses to being mindful in managing finances.

TABLE 19 – PERSONAL BUDGET PLAN OF THE RESPONDENTS

Question no. 15: Do you have a budget plan? If yes, can you share your strategies for managing

inflation in your expenses and budgeting?

28

Question Yes No

Do you have a budget plan? 41 respondents 57 respondents

Table 19 presents the results of the survey question regarding whether respondents had a

budget plan. The table shows that 41 respondents indicated that they do have a budget plan,

while 57 respondents indicated that they do not have a budget plan.

TABLE 20 – STRATEGIES EMPLOYED FOR MANAGING INFLATION OF THE

RESPONDENTS

According to the responses provided by the respondents, there were various strategies employed

for managing inflation's impact on their personal expenses and budgets. Some common strategies

included:

Common Answer Frequency

”Zero-based budgeting” 4 respondents

” Allocating their money” 15 respondents

” Tracking, adjusting, and finding alternatives” 13 respondents

” Prioritizing essential and spend wisely” 11 respondents

” Setting rules for their budget and discipline themself” 11 respondents

” Don’t have specific strategy in managing their finances” 44 respondents

 Table 20 presents the various strategies that a sample of individuals indicated they use for

managing inflation's impact on their personal expenses and budgets. The most commonly

reported

29

strategy was "zero-based budgeting," which was indicated by 4 respondents. Allocating money

was also a commonly employed strategy, mentioned by 15 respondents, followed by tracking

and finding alternatives by 13 respondents. Prioritizing essential spending was the next most

popular strategy, mentioned by 11 respondents, followed by setting rules for their budget and

discipline by 11 more respondents. Finally, 44 respondents indicated that they did not have a

specific strategy for managing their finances. The responses reflect the broad range of strategies

employed by individuals to manage the financial impacts of inflation on their lives.

In this chapter, the information gathering process and its findings are presented. Based on

the evidence gathered, we observe that our study's findings support the results of previous studies

that have examined the effect of inflation on the financial budgeting perspectives of Grade 11

students at Colegio de Sta. Monica de Angat. Correlations between the data findings and study

variables are also established, and classification is used to present the data.

In Table 1, the academic track of the respondents was shown, which illustrates the

distribution of students across the strands of Science, Technology, Engineering, and Mathematics
(STEM), as well as the Humanities and Social Sciences (HUMSS) and Accountancy, Business,

and Management (ABM).

In Table 2, the sex distribution of the respondents was shown. This suggests that there is

a greater proportion of females in the sample compared to males.

30

In Table 3, the age distribution of the respondents is shown. It indicates that the majority

of the sample is between 16 and 17 years old. Age is an important demographic characteristic

that can affect individuals' responses and experiences. Therefore, it is essential to consider the

age of the study population when interpreting the results and conducting further research.

In Table 4, the distribution of allowance amounts among the respondents is shown. The

data suggest that most of the students receive a moderate amount of allowance per day, which

may affect their budgeting and spending habits. Understanding the allowance amounts of the

students is essential to understanding their financial situation and the impact of inflation on their

spending behavior.

In Table 5, the daily expenses of the respondents were shown. These results demonstrate

the diverse spending habits and financial situations of the respondents, with some individuals

having very minimal expenses and others having higher daily expenses. These expenses can be

influenced by factors such as living expenses, lifestyle, and personal preferences. Understanding

the spending patterns of the respondents can be useful in understanding their financial habits and

potential financial needs.

 In Table 6, the level of knowledge of the respondents regarding inflation is shown. The

majority of the surveying population has a good understanding of inflation and its implications,

which is an important finding for researchers seeking to understand the financial and monetary

behavior of the respondents. However, it is also important to note that there is still a minority

that is unaware of or has little knowledge about inflation, which could potentially lead to

misinformed decisions and poor financial outcomes.

31

In Table 7, the respondents' observations on price increases due to inflation are shown.

The majority of the respondents were able to identify the effect of inflation on their daily

expenses, indicating the severity of the phenomenon and the need for immediate intervention to

mitigate its effects. However, it is crucial to note that, despite the small number of respondents

who did not observe any increase in prices, the negative effect of inflation on the population

cannot be ignored and should be addressed to prevent further economic instability.

In Table 8, the respondents' indication that they have a budget plan is shown. The

majority of the participants have a plan in place for managing their finances, but a significant

number of them lack a budgeting strategy or may not follow the plan they have created. The

importance of budgeting cannot be overstated, as it can be a crucial factor in managing expenses

and achieving financial stability. With a well-planned budget, individuals can prioritize their

spending, track their expenses, and adjust their habits as needed to stay on track.

In Table 9, the responses of the respondents about their ability to handle unexpected

expenses and changes in their budget were shown. The majority of the respondents are

financially aware and proactive in managing their finances, which is crucial in the face of
unexpected financial challenges. A well-managed budget can help individuals remain financially

stable, even during tough times. Conversely, those who do not have a budget plan may be more

vulnerable to financial stress and may experience more difficulty navigating through challenging

financial situations. Therefore, having a plan in place for handling unexpected expenses and

changes in budget can be a smart financial decision and reduce the risk of financial stress.

32

In Table 10, the perspectives of students on their self-assessments of their financial

management skills are shown. The results suggest that the respondents have varying degrees of

proficiency in managing their finances, and some may require additional resources or strategies

to improve their financial management skills. It is crucial for individuals to constantly seek

opportunities to enhance their financial literacy, which can improve their financial stability and

enable them to manage their finances effectively.

In Table 11, the perspectives of students' levels of confidence in their ability to manage

money and make financial decisions are shown. The findings suggest that students are generally

somewhat confident but may still need to work on their financial skills. By acquiring more

financial knowledge and taking steps to manage their finances better, they can increase their

confidence in their money-management abilities. Developing strong financial management skills

is critical for personal financial success, and it's never too early to start learning and applying

those skills.

In Table 12. the perspectives of students' responses to a question about whether they have

changed their approach to budgeting in response to the rising cost of living are shown. This
indicates that while some students have made adjustments to their spending habits and approach

to budgeting in response to the rising cost of living, many others have not. The table highlights

the need for students to develop and improve their budgeting skills to effectively manage their

finances, especially in light of the current economic environment.

In Table 13, the perspectives of students' ability to manage their budget during

inflationary periods are shown. While the majority of students find managing their budgets more

difficult

33

during inflationary periods, a sizable minority still manage their budgets effectively. It is

important for students to recognize this challenge and develop strategies or seek support to help

manage their finances effectively during inflationary periods.

In Table 14, the students' perspectives on the benefits of having a budget plan are shown.

The majority of the students believe that having a budget plan can be beneficial. This suggests

that students recognize the importance of financial planning and budgeting in achieving their

financial goals. It is important for students to understand the benefits of having a budget plan,

including increased financial stability, better money management, and the ability to achieve their

financial goals. By developing a budget plan, students can effectively manage their finances and

maximize their savings.

In Table 15, the students' perspectives on the importance of financial management for

their overall well-being are shown. The majority of students regard financial management as an

integral part of their overall well-being. This highlights the significance of developing solid

financial management skills to ensure a better and more secure life.

 In Table 16, the students' experiences with the effects of inflation on their budgeting are

shown. This indicates that most of the students have been affected by inflation and have had to

adjust their budgeting accordingly. It highlights the importance of developing strong budgeting

skills and being prepared for unexpected financial fluctuations, especially during inflationary

periods. It is essential for students to prioritize financial management in order to reduce financial

stress and ensure their overall well-being.

34

In Table 17, an overview of the common actions respondents have taken in adjusting

their budgeting approach is shown, which include saving instead of spending, implementing

zero-based budgeting, prioritizing essential expenses over non-essential ones, bringing food from

home and walking to school, looking for cost-effective alternatives, being mindful in managing

finances, and not making any adjustments to their current budgeting approach. It is important to

note that each individual's situation may differ, and some may find one approach more suitable

for their needs than others.

In Table 18, the responses of the respondents regarding the changes in their spending

habits due to the rising prices are shown. The majority of the participants stated that they

prioritize essential expenses, while transportation costs are another factor affecting their

spending habits. Additionally, some individuals mentioned impulsive buying, while other

respondents acknowledged being kuripot. On the other hand, some participants stated that they

are mindful of their finances, whereas others claimed that the price increase did not affect their

spending choices. This table highlights the different strategies that the respondents have adopted
in response to the increase in prices, ranging from prioritizing essential expenses to being

mindful of financial management and controlling impulse spending.

In Table 19, the respondents' budget planning practices are shown. The table shows that

minority respondents said they had a budget plan, while majority respondents said they did not

have one. This indicates that there may be a lack of awareness or knowledge about budget

planning among some Grade 11 students. It highlights the importance of developing effective

budgeting

35

skills and having a budget plan to manage finances efficiently and effectively. Budget planning

can help individuals set financial goals, manage expenses, and make informed financial

decisions. By creating a budget plan, individuals can better understand their financial situation

and allocate their funds appropriately.

In Table 20, the strategies that respondents indicated they employ in managing inflation's

effect on their expenses and budgeting were shown, which include zero-based budgeting,

allocating money, tracking, adjusting, and finding alternatives, prioritizing essentials and

spending wisely, setting rules for budget and discipline, and not having a specific strategy in

managing finances. These responses suggest that individuals have diverse approaches to

managing their finances during times of economic uncertainty, with a wide range of strategies

used to minimize the impact of inflation on their expenses and budgets.

 36

Chapter IV

Discussion

This chapter presented a summary, conclusions, and recommendations based on the data

analyzed in the previous chapter. The effect of inflation on the financial budgeting perspectives

of Grade 11 students was researched by identifying the specific strategies employed to cope with

rising costs and inflation.

Summary

Inflation has been a significant concern for many individuals, particularly younger

generations who are still developing their financial habits. To understand the effects of inflation

on the financial budgeting perspectives of Grade 11 students at Colegio de Sta. Monica de

Angat, researchers conducted a study that aimed to examine their knowledge and awareness of

inflation, the specific strategies employed to cope with the rising costs and inflation, and how

they budget their money and adjust their spending habits in the face of inflation. The study aimed

to offer valuable insights to various beneficiaries, including students, parents and guardians,

educators, school administrators, government agencies, and policymakers. The study focused on

Grade 11 students from the ABM, HUMSS, and STEM programs and was set to start in March

during the second semester of the school year 2023-2024. The researcher assessed the factors

that influence the financial budgeting of students while accounting for the effect of inflation on

this process. The review of relevant literature highlighted the significant effect of inflation on

personal finances,

37

which required adjustments in financial budgeting perspectives. The study recommended various

strategies to manage the effect of inflation, including budgeting, seeking financial assistance,

working part-time or full-time jobs, reducing spending on non-essential items, and using

financial literacy programs to learn how to better manage finances.

In this study, the researchers investigated the financial budgeting perspectives of Grade

11 students at Colegio de Sta. Monica de Angat used a case study design. They conducted an in-

depth exploration of the experiences and opinions of participants regarding the effect of inflation

on the financial budgeting perspectives of Grade 11 students. The population of the study

consisted of 129 Grade 11 students, and a sample size of 98 students was chosen randomly using

stratified random sampling. The researcher created a survey questionnaire using Google Forms

to collect data from the target respondents. The researcher collected data based on the
participants' experiences and perspectives regarding the effect of inflation on their financial

decision-making processes and budgeting strategies.

The data collection procedure involved distributing permission and consent letters to the

principal and Grade 11 students at Colegio de Sta. Monica de Angat, outlining the study's goals

and providing a schedule for engagement. The link to the questionnaire was sent to each group

chat, and the researcher monitored the survey's progress to ensure that it was completed by 98

students. To ensure participant confidentiality, all information provided was treated with strict

confidentiality and used exclusively for research purposes. Identifying information was

anonymized, and data was aggregated and analyzed collectively to protect individual privacy.

The researcher utilized content analysis and thematic analysis to come up with reliable

conclusions.

38

The survey involved Grade 11 senior high school students at Colegio de Sta. Monica de

Angat and examined their knowledge of inflation, its effect on their financial budgeting

perspectives, and the strategies they employed to cope with rising costs and inflation.

The survey found that most students understood the concept of inflation and its impact on

their personal finances. However, the majority of them indicated that inflation has affected their

budgeting perspectives and their spending habits. To manage their finances effectively during

inflationary periods, many students employed a variety of strategies, including setting a budget

plan, prioritizing essential expenses, finding cost-effective alternatives, being mindful of their

financial management, and being disciplined in sticking to their budget.

 Despite these strategies, some students admitted to being unable to manage their finances

effectively during inflationary periods and noted that the rising prices have had a significant

effect on their daily expenses. Other students, however, managed to adjust their spending habits

and adjust their budget, accordingly, prioritizing necessary expenses while limiting their

spending on non-essentials.

The findings suggest that while the students have a good understanding of inflation and

its implications, they may still need to improve their budgeting skills. They may need to set more

realistic budgets, track their expenses regularly, and make informed decisions about their

spending habits. Additionally, it is important for students to understand the benefits of having a

budget plan, including increased financial stability and the ability to achieve their financial goals.

By developing strong budget planning skills, students can learn to effectively manage their

finances, navigate through unexpected financial challenges, and improve their overall financial

wellbeing.

39

Conclusions

In conclusion, the researchers aimed to understand the effects of inflation on the financial

budgeting perspectives of Grade 11 students at Colegio de Sta. Monica de Angat. The research

method used was a case study design, where students were asked questions relating to their

awareness and knowledge about inflation, the strategies they employed to cope with rising costs,

and how they budgeted and adjusted their spending habits. Based on the data gathered, the

researchers found that while the students have a good understanding of inflation and its

implications, they may still need to improve their budgeting skills. Many students employed
strategies such as setting a budget plan, prioritizing essential expenses, finding cost-effective

alternatives, and being mindful of their financial management to cope with the rising costs, but

some admitted to being unable to manage their finances effectively during inflationary periods.

The research highlights the importance of developing strong budget planning skills to effectively

manage finances, achieve financial goals, and navigate through unexpected financial challenges.

Inflation is a significant financial issue for many people, and it is particularly challenging

for younger generations who are still developing their financial habits. The research aims to

examine the specific strategies used by students to cope with rising costs and inflation and to

offer insights into the ways students have been affected by inflation. By implementing the

recommendations resulting from this study, students can gain the knowledge and skills they need

to effectively manage their finances, navigate through unexpected financial challenges, and

improve their overall financial wellbeing.

40

Recommendations

Coping with personal finance challenges can be difficult, but there are effective strategies

to navigate these challenges. The first recommendation is to emphasize financial literacy

instruction in schools to ensure students have a strong understanding of key financial concepts.

Second, parents and guardians can also play an important role by providing guidance, setting a

good example, and engaging in open conversations about money. Third, financial education

programs, online resources, and budgeting apps can help students build budgeting and financial

management skills. Fourth, schools can provide additional financial resources, including
counseling services and access to a school-based credit union. Finally, students can benefit from

setting short-term and long-term financial goals and adopting healthy financial habits through

consistent budgeting and financial planning. By following these five recommendations, students

can develop a comprehensive understanding of personal finance and learn to navigate the

challenges that may arise.

41

References

Avila, M., & Gatpolintan, R. (2019), Shifting prices and preferences: Consumers’ responses

when discovering low-cost alternatives. Journal of Consumer Marketing, 36(3), 354-367.

Baldelamar, E., Arcaute, R. J., Cerdá, J. R., & Buitrón, L. (2024). Inflation Crisis Perceptions,

Challenges, and Coping Strategies of Students. Journal of Business Ethics, 150(4), 1225-1241.

Bora, M. (2013). The impact of inflation on the stock-market investor: A study of the Philippine

stock market. Journal of Advances in Business and Research, 4(1), 52-61.

McCombes, S. (2023, November 20). What Is a Case Study? | Definition, Examples & Methods.

Scribbr. Retrieved May 14, 2024, from: https://www.scribbr.com/methodology/case-study/

J. Suthar (2023, January 5). Just a moment. from: https://www.wallstreetmojo.com/data-

collection/

Smith, P., & Jones, D. (2019). Inflation: The silent killer of purchasing power. The Economist,

478(9660), 60-65.

42

Appendices

INFORMED CONSENT

Good day!

We are from Grade 11 ABM - Fides and we want to inform you that you are one of our
participants in our research entitled, “The Effect of Inflation on Financial Budgeting Perspectives
of Grade 11 Senior High School Students in Colegio de Sta. Monica de Angat”. We are asking
for your cooperation in our survey that will be conducted by the second week of May with the
use of questionnaire that will be held at CSMA Senior High School building. We are also asking
for your permission if we could share to other Grade 11 students the information and data that
we can get through your answers in our interview questions after analyzing it so that they may
become inspired and motivated in their study.

We are hoping for your cooperation and thank you in advance.

Names of the Researchers:

Agtang, Ranzel Leandrei R.

Dela Torre, Carla Jeramie S.
Hizon, Allyah Rae G.
Landayan, Johanna Beatrice B.
Malate, Cassandra Monica D.
Sayco, Queen Isabel C.

Agreed and Accepted by: May__, 2024

__ I agree to be interviewed and share the information that I will give.

__ I agree to be interviewed but not in the terms of sharing the information that I will give.
__ I disagree to be interviewed for the reason that
_______________________________________
___________________________________________________________________________

_______________________ __________________
Signature over printed name Strand

Republic of the Philippines

Colegio de Sta. Monica de Angat
Senior High School Department
Poblacion, Angat, Bulacan

May 6, 2024

Ms. Gracia V. Villamor

Principal
Colegio de Sta. Monica de Angat
Senior High School Department

Dear Ms. Gracia V. Villamor,

Greetings!

We, the Grade 11 students of Colegio de Sta. Monica de Angat pursuing Accountancy, Business
and Management Strand, are currently taking Practical Research 1 subject.

In partial fulfillment of the requirements in our subject, we are currently conducting a research
study entitled, “The Effect of Inflation on Financial Budgeting Perspectives of Grade 11 Senior
High School Students in Colegio de Sta. Monica de Angat”. The goal of our study is to
determine the effect of inflation on financial budgeting perspectives among Grade 11 students,
with a focus on how inflation affects their budgeting and saving strategies.

In lieu of this, we would like to seek your permission to conduct our data gathering in your
school specifically in Grade 11 which are our target respondents for the research that we are
currently conducting.

Thank you for your consideration! We would greatly appreciate it if you can fulfill our request.

Respectfully yours,

AGTANG, RANZEL LEANDREI R. LANDAYAN, JOHANNA BEATRICE B.

DELA TORRE, CARLA JERAMIE S. MALATE, CASSANDRA MONICA D.

HIZON, ALLYAH RAE G. SAYCO, QUEEN ISABEL C.

Researcher

Noted by:

MAMARIL, KLAUDETTE C.
Research Instructor
Approved by:

MS. GRACIA V. VILLAMOR

Principal
 THE EFFECT OF INFLATION ON FINANCIAL BUDGETING PERSPECTIVES OF
GRADE 11 SENIOR HIGH SCHOOL IN COLEGIO DE STA. MONICA DE ANGAT

Name: Age:
Section: Sex:

Direction: Please answer the following questions. Put () a check mark on the circle of your answer.

1. How much is your allowance per day?

o 100 pesos o 200 - 250 pesos
o 150 - 200 pesos o More than 300 pesos
2. How much do you typically spend on daily expenses such as food, transportation, and
personal items per day?
o 100 pesos o 200 - 250 pesos
o 150 - 200 pesos o More than 300 pesos
3. Do you have any knowledge about inflation?
o Yes o No

4. Have you noticed any increase in the prices of items you regularly purchase due to
inflation?
o Yes o No

5. Do you handle unexpected expenses or changes in the budget?

o Yes o No

6. Do you have a budget and stick to it?

o Yes o No

Direction: Put () a check mark on the box of your answer.

1 - STRONGLY AGREE 2 - AGREE 3 - NEUTRAL

4 - DISAGREE 5 - STRONGLY DISAGREE

1 2 3 4 5

7. I manage my finances well.

8. I have confidence in my ability to manage my

money and make financial decisions.

9. I have changed my approach to budgeting due to

 the rising cost of living.

10. I believe that financial management is an important

part of my overall well-being.

11. I find it more difficult to manage my budget during

inflationary periods.

12. I think having a budget plan can be beneficial.

Direction: Kindly answer the following within 1-3 sentences.

13. Have you experienced the effects of inflation on your budget? If so, can you explain how you
adjusted your budgeting approach as a result?

14. In what ways has the increase in prices affected the way you prioritize your spending
choices? Can you provide specific examples?

15. Do you have a budget plan? If yes, can you share your strategies for managing inflation in
your expenses and budgeting?

SAYCO, QUEEN ISABEL CASTRO

049 Sitio Palale, Pinagtulayan,

Norzagaray, Bulacan
0915-289-3641
[email protected]

Personal Information

Date of Birth December 25, 2006

Sex Female
Age 17
Citizenship Filipino
Height 5’1 ft.
Weight 45 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2024

Junior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2018-2023
Primary
Norzagaray Elementary School
Norzagaray, Bulacan
2012-2018

Skills

Communication Hardworking
Collaboration Public Speaking
Responsible Planning and Organization
Creative Leardeship

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

SAYCO, QUEEN ISABEL C.

Researcher
DELA TORRE, CARLA JERAMIE SAN PEDRO

247, Sintinela 1, Purok 7,

Pulong Yantok, Angat Bualcan
0992-336-3905
[email protected]

Personal Information

Date of Birth November 15, 2007

Sex Female
Age 16
Citizenship Filipino
Height 5’4 ft.
Weight 60 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2024

Junior High School Pulong Buhangin National High School

︎ ︎ 2019-2023
Colegio de Sta. Monica de Angat
Angat, Bulacan
2018-2019
Primary
Colegio de Sta. Monica de Angat
Angat, Bulacan
2012-2018

Skills

Baking Hardworking Dancing

Communication Planning and Organizing Singing
Collaboration Public Speaking Cooking

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

DELA TORRE, CARLA JERAMIE S.

Researcher
LANDAYAN, JOHANNA BEATRICE BALDOVINO

Emerald Street, Sta. Monica Subd.,

Poblacion, Angat, Bulacan
0918-660-2439
[email protected]

Personal Information

Date of Birth October 12, 2006

Sex Female
Age 17
Citizenship Filipino
Height 5’2 ft.
Weight 60 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2024

Junior High School

Colegio de Sta. Monica de Angat,
Angat, Bulacan
2019-2023
St. Martin de Porres Catholic School,
Norzagaray, Bulacan
2021-2022
Primary
Colegio de Sta. Monica de Angat
Angat, Bulacan
2012-2019

Skills

Great communication Can be a leader

Collaborative Can Analyze Situations
Can Plan and Organize

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

LANDAYAN, JOHANNA BEATRICE B.

Researcher

AGTANG, RANZEL LEANDREI RESEGURADO

Camachile,
Doña Remedios Trinidad, Bulacan
0918-447-2668
[email protected]

Personal Information

Date of Birth July 31, 2007

Sex Male
Age 16
Citizenship Filipino
Height 5’11 ft.
Weight 51 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2024

Junior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2018-2023
Primary
Colegio de Sta. Monica de Angat
Angat, Bulacan
2012-2018

Skills
Communication
Collaboration

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

AGTANG, RANZEL LEANDREI R.

Researcher

MALATE, CASSANDRA MONICA DAIRO

599 Encanto,
Angat, Bulacan
09952188346
[email protected]

Personal Information

Date of Birth February 20, 2007

Sex Female
Age 17
Citizenship Filipino
Height 5'0 ft.
Weight 40 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2024

Junior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2018-2023
Primary
Marcelo L. Adriano Memorial School
2012-2019

Skills

Communication
Collaboration
Hardworking
Planning and Organization

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

MALATE, CASSANDRA MONICA D.

Researcher

HIZON, ALLYAH RAE GONZALES

0396 Libis na Malaki, Sulucan,

Angat, Bulacan
09386913425
[email protected]

Personal Information

Date of Birth April 20, 2007

Sex Female
Age 17
Citizenship Filipino
Height 5’4 ft.
Weight 39 kg.

Educational Background

Senior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2023-2025

Junior High School

Colegio de Sta. Monica de Angat
Angat, Bulacan
2018-2023
Primary
Antonio C. Cruz - Sulucan Elementary School
Sulucan, Angat, Bulacan
2012-2019

Skills

Collaborative
Active listening
Hardworking

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

HIZON, ALLYAH RAE G.

Researcher