Spending Habits Among Working Students at Eastern Samar State University-Guiuan Campus

Balancing academics and part-time work is a common reality for many students, often leading to significant financial challenges. Understanding how these students manage their finances, especially their spending habits is critical for promoting their financial well-being. This study aims to provide insights into how students distribute their income across essential categories like personal needs, food, academics, and transportation. By examining their spending habits, this research seeks to better understand the financial decisions made by working students. The study used a structured questionnaire with a five-point Likert Scale, ranging from 5 (Strongly Agree) to 1 (Strongly Disagree), to gather data. The questionnaire consisted of two sections: the first section collected demographic information from respondents, including age, gender, year level, and monthly income. The second section used a five-point Likert Scale to assess spending habits across personal needs, food, academic purposes, and transportation. Statistical analysis revealed no significant link between demographic factors (age, gender, year level, and monthly income) and student spending habits. The minimal Eta correlation values (0.010 to 0.040) and high p-values (above 0.05) support this, indicating that these demographic factors do not significantly affect how students allocate their resources. Therefore, the study concludes that a student's demographic profile does not meaningfully influence their spending habits. The researchers recommend that future researchers explore additional variables, such as lifestyle or external economic pressures, to provide a more comprehensive understanding of the factors influencing the spending habits of this population.