Abstract

This study examined the personal financial activities of private secondary school teachers in selected municipalities of the 4th congressional district of Quezon. It understood how they respond and act outside the boundaries of financial literacy. A descriptive research design, quantitative method, cluster sampling, and a self-made survey questionnaire collected online were all used in the study. Data focused on the financial knowledge, financial behavior, and financial attitude of the respondents. It employed both descriptive and inferential statistical methods. The theories of human capital, self-efficacy, goal-setting, and the financial literacy modelled this study. The majority of respondents are female-married, young professionals teaching either English or Social Sciences holding a permanent position as Teacher I with less than five years of service. An increase in saving found an association in the field of specialization. A weak positive association exists between basic good financial practices and the building of financial safety nets. Data from a survey shows that significant number of respondents are vulnerable to financial distress. Moderation of financial practices and literacy is an indication of poor financial management. Data attest the need to take steps and intervene through financial training and education to recreate the existing method of treating resources.

Keywords: financial literacy, financial knowledge, financial behavior, financial attitude, financial safety net