Budgeting, Spending, Saving and Investing Practices
General Instructions: Check the box of your answer.
Date: _______________________ School: ____________________________________________
Name: __________________________
I. SOCIO-ECONOMIC PROFILE
Civil Status: Single Married Separated Widowed/Widower
Highest Educational Attainment: Bachelor’s Degree w/ Master’s Degree w/ Doctorate Degree
No. of Dependents (financially dependent): None 1-2 3-4 5 or more
Monthly Income: Below P 10,000 P 10,000-14,999 P 15,000-19,999 P 20,000-24,999
P 25,000-29,999 P 30,000-34,999 more than P35,000
II. BUDGETING HABITS
Instruction: Check the box for your answer (Multiple answers allowed)
Where does your money go?
Personal luxury purchases Start-up business Life Insurance
First time house Retirement Memorial Plans
Upgrade property Children’s Education Own Business
Food Medicine Recreation
Groceries (Other than food) Investment (Stocks and Bonds) Donations
Utilities Emergency Fund Loans and Amortizations
Others, please specify_______
Do you have monthly budget for the following:
Food Utilities Loan Amortization
Educational Plans Emergency Fund Investments
Medicine Clothing Fare
Insurance Others, please specify ________
How much budget do you have for the following:
Instruction: Check the box for your answer
P 3001 P 5001 P
Below P P 1000 to
to to P 7501or
1000 P 3000
P 5000 7500 more
Food
Children’s Education (Allowance and School Fees)
Utilities (Phone, electricity, water, etc.)
Medicine and Healthcare
Loans/amortization
Investments
Emergency Fund
Others, please specify_______
II.1 SPENDING HABITS
Instruction: Encircle your answer based on the following levels:
Statement Never Sometimes Often Always
1. I only buy the things that are listed on my budget. 1 2 3 4
2. My monthly expenditures are within my monthly income. 1 2 3 4
3. I monitor my regular expenses. 1 2 3 4
4. I don’t have difficulties to cover my expenses and pay all my bills. 1 2 3 4
5. I don’t buy things through credit cards if I don’t have available
1 2 3 4
money.
II.2 SAVING HABITS
Instructions: Check the box for your answer.
When I receive my salary
I spend first then save the remaining I spend even before salary is received
I save first then spend the remaining I spend and nothing is left
At present I do save for the following (Multiple answers allowed):
Educational Plan Retirement New car House and lot Own business
House Improvement Travel Gadgets Emergency Fund Others, specify ______
II.3 INVESTING HABITS
Instructions: Check the box for your answer
At present, I do invest for the following: Yes Not at all
Real estate (house and lot, condo unit, etc.)
Own Business
Mutual fund
Bonds
Stocks
Variable life insurance (Insurance packages)
Others, specify ___________________________
IV. ATTITUDE TOWARDS BUDGETING, SPENDING, SAVING, AND INVESTING
Instruction: Encircle your answer based on the following levels:
Strongly Strongly
Disagree Agree
Disagree Agree
I’d want to save but my salary is just enough for the basic needs. 1 2 3 4
I sometimes purchase things because I know they will impress
1 2 3 4
other people
I regularly put money aside for the future. 1 2 3 4
I tend to get worried about decisions involving money. 1 2 3 4
I keep a close watch on how much money I have. 1 2 3 4
I’d want to invest but I’m afraid to lose my money. 1 2 3 4
Preparing a budget is a waste of time for me. 1 2 3 4
I know how much money I have to spend each week/month 1 2 3 4
I know how much my fixed cost 1 2 3 4
I over-estimate purchases to ensure I have enough money 1 2 3 4
I better enjoy my salary immediately than saving and/or
1 2 3 4
investing, waiting for a long period of time to generate profit.
IV. FINANCIAL LITERACY PROFILE
Instruction: Check the box for your answer
1. How satisfied are you with your current financial status? Very satisfied Dissatisfied
Satisfied Very Dissatisfied
2. Are you familiar with financial literacy? Yes No
1.1 IF YES, from where did you learn about it? (Multiple answers allowed)
Books Magazines Radio/Television Seminars Internet
Others, please specify _____________
3. How would you rate your financial literacy? Very literate Literate
Somewhat literate Not at all literate
4. Are you interested to know about financial literacy? Yes No
5. If yes, do you want to attend a seminar about financial literacy? Yes No
