000			02672nam a22002417a 4500
003			FT8722
005			20251008123315.0
008			251008b ||||| |||| 00| 0 eng d
041			_aengtag
050			_aHG179 A77 2025
082			_a.
100	1		_aAriola, Arianne Camil I.; Danao, Jenessa E.; Galvez, Krisitne C.; Lagamson, Rofela F.; Pilapil, Paula Andrea B.; Versoza, Jochelle L.
245			_aThe correlation of financial situation and budgeting practices: Basis for personal finance program
264		1	_aManila: _bPLM, _cc2025
300			_bBusiness Research: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2025
336			_2text _atext _btext
337			_2 unmediated _a unmediated _b unmediated
338			_2 volume _a volume _b volume
505			_aABSTRACT: This study investigates the correlation between financial situation and budgeting practices among working adults aged 35 and above in Manila. The purpose of the study is to understand the relationship between financial situation and budgeting practices and to use these insights as the basis for developing a practical personal finance program. As individuals in middle to later adulthood often face significant financial responsibilities such as supporting families, managing healthcare expenses, and preparing for retirement, it becomes increasingly important to explore the relationship between their financial stability and how effectively they manage their finances. A quantitative research design was employed in this study. Data was gathered through structured survey questionnaires distributed to a sample of adults aged 35 and above in Manila. The survey focused on two main variables: financial situation and budgeting practices. Correlational statistical analysis was used to interpret the data and identify the strength and direction of the relationship between these variables. Findings indicate a low positive correlation between financial situation and budgeting practices. Adults with more stable financial conditions tend to practice more effective budgeting habits, including consistent planning, saving, and prioritization of essential expenses. Theoretically, it supports the life-cycle theory that emphasizes the role of financial capacity in enabling disciplined financial practices. This study is significant in its originally, as it addresses a specific age group and local context. Its findings can guide the development of targeted personal finance programs aimed at improving financial literacy and promoting financial resilience among adults aged 35 and above in Manila
526			_aF
655			_aacademic writing
942			_2lcc _cMS
999			_c36923 _d36923