Purchasing, spending, and saving habits of Grade 9 students

This survey-correlational research aimed to explore the levels, differences, and relationships of purchasing, spending, and saving habits of grade 9 students in Sapian National High School for the school year 2024-2025. The participants of this study were the one hundred seventy-five (175) grade 9 students out of three hundred eighteen (318) grade 9 students enrolled in Sapian National High School in the school year 2024 – 2025. The data were gathered using the researcher-made Purchasing Habits Survey Questionnaire, Spending Habits Survey Questionnaire, and Saving Habits Survey Questionnaire that determined the level of purchasing, spending, and saving habits of grade 9 students. Prior to their use, the questionnaires were validated by the three (3) experts. Their suggestions assisted the formulation of the questionnaire. They were pilot tested to the 30 grade 9 students of Sapian National High School who were not participants of the study. The result of the pilot-testing was used in determining the computer-processed reliability and construct validity of the instrument using the Statistical Package for Social Science (SPSS) software. The independent variables in the study were the purchasing habits of the grade 9 students and spending habits of the grade 9 students, while the dependent variable was the saving habits of Grade 9 students. The statistical tools used in data analyses were the mean, standard deviation, analysis of variance (ANOVA), and Pearson r. All inferential tests were set at .05 alpha level. Based on the results, the major findings of the study were the following: The level of saving habits of grade 9 students was “high”. Similarly, the level of purchasing habits of grade 9 students was “high”. However, the level of spending habits of grade 9 students was “moderate”. There was a significant difference between saving habits among the levels purchasing habits of grade 9 students, as well as a significant difference between the saving habits among the levels of spending habits of grade 9 students. Additionally, there was a significant relationship between purchasing and spending habits of grade 9 students, and another significant relationship between the purchasing and saving habits of grade 9 students. However, there was no significant relationship between spending habits and saving habits of grade 9 students.