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INTERVIEW 1

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5 views3 pages

INTERVIEW 1

Uploaded by

arbiolmaryjaneh
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Mary Janeh B.

Arbiol 11 – SPICA PRACTICAL RESEARCH 1

Questionnaire

1. Do you have a personal budget for your monthly expenses? (Yes/No)

2. How often do you save money from your allowance or earnings? (Always/Sometimes/Never)

3. What is your main source of income? (Allowance/Part-time job/Scholarship/Other)

4. Do you track your spending? (Yes/No/Sometimes)

5. What do you spend the most money on? (Food/Clothes/Gadgets/Entertainment/Other)

6. Have you ever set a financial goal (e.g., saving for something specific)? (Yes/No)

7. Do you use any financial apps or tools to manage your money? (Yes/No)

8. What is the most challenging part of managing your money as a student? (Saving/Budgeting/Avoiding
unnecessary spending/Other)

9. Have you ever borrowed money from friends or family to cover expenses? (Yes/No)

10. Do you think financial literacy should be taught in schools? (Yes/No/Not sure)

)
Mary Janeh B. Arbiol 11 – SPICA Practical Research 1

Introduction: "Thank you for joining me today! This interview is about financial management for
students. I’d love to hear about your experiences, challenges, and strategies when it comes to handling
money. Let’s start with a simple question."

ARBIOL: Can you describe your approach to managing your personal finances as a student?

QUIMOD: Well, I try to be mindful of my spending, but I don’t have a super strict budget. I usually
divide my allowance into different categories like food, transportation, and savings, but sometimes I end
up overspending on small things.

ARBIOL: "How do you typically budget your allowance or earnings?"

QUIMOD: "I set aside a portion for necessities first, then I decide how much I can spend on things like
eating out or entertainment. If I have a goal, like saving for a new phone, I try to put extra money toward
that."

ARBIOL: "What are the biggest financial challenges you face as a student?"

QUIMOD: "Definitely balancing wants versus needs. It’s tempting to buy the latest gadgets or go out
with friends often, but I know I have to be careful so I don’t run out of money before the next allowance
comes in."

ARBIOL: "Do you have a habit of saving money? If so, how much do you try to save each month?"

QUIMOD: "I try to save at least 20% of my allowance, but some months are harder than others. If I have
extra money left over, I put more into savings."

ARBIOL: "What motivates you to save money? Are there any specific goals you are working toward?"

QUIMOD: "Yes! Right now, I’m saving for a laptop for school. I also want to have an emergency fund,
just in case I need money for unexpected expenses."

ARBIOL: "Have you ever struggled to stick to a savings plan? What makes it difficult?"

QUIMOD: "Yes, definitely. Sometimes I’ll dip into my savings for things I don’t really need, like
ordering food instead of cooking. It’s hard to resist impulse spending!"

ARBIOL: "What are the most common things you spend money on?"

QUIMOD: "Mostly food, transportation, and school-related expenses. But I also like buying clothes or
treating myself once in a while."
ARBIOL: "Have you ever made a financial decision you later regretted? What did you learn from it?"

QUIMOD: "Yes! I once spent a lot of money on a gaming subscription, but I barely used it. It made me
realize that I should think twice before spending on non-essential things."

ARBIOL: "How do you differentiate between needs and wants when it comes to spending?"

QUIMOD: "I ask myself: ‘Do I really need this, or do I just want it right now?’ If it’s something I can
live without, I try to wait a few days before deciding."

ARBIOL: "Where did you learn about money management?"

QUIMOD: "Mostly from my parents. They taught me to save early. I’ve also learned from watching
YouTube videos and reading about personal finance online."

ARBIOL: "Do you think financial education should be a part of school curriculums? Why or why not?"

QUIMOD: "Absolutely! A lot of students don’t know how to manage money properly. If schools taught
budgeting, saving, and even investing, I think we’d all be better prepared for the future."

ARBIOL: "If you could give one piece of financial advice to other students, what would it be?"

QUIMOD: "Start saving early, even if it’s just a little. It’s easier to build good habits now than to fix bad
spending habits later."

ARBIOL: "Thank you so much for sharing your experiences! Your insights will definitely help other
students become more financially responsible."

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