Personal Finance Education on Financial Literacy and Behavior
Discover how personal finance education shapes financial literacy and behavior. Learn how budgeting, investing, and "Moneyfesting" empower individuals to achieve financial freedom.
QUANTITATIVE RESEARCH
Realyn Manalo
3/10/20253 min read
Personal finance education plays a pivotal role in empowering individuals to take charge of their financial lives and work toward achieving financial freedom. By learning to budget, save, invest, and make well-informed financial decisions, people can build greater confidence in managing their resources. The growing interest in "Moneyfesting," a concept of turning financial dreams into reality through deliberate planning and intentional financial behaviors, highlights the importance of cultivating positive financial habits early on. When equipped with the right mindset and knowledge, individuals are more capable of achieving long-term financial security.
Moreover, financial literacy serves as a foundation for sound financial choices. People who understand key concepts such as interest rates, debt management, and investment planning are better positioned to meet financial milestones, including homeownership and retirement savings. Studies consistently show that higher financial literacy correlates with smarter decision-making, lower debt levels, and greater wealth accumulation. Through accessible tools like budgeting apps and regular financial check-ins, individuals can develop sustainable money habits, paving their way to lasting financial success.
Who Can Use These Topics?
These research topics are ideal for students and professionals pursuing:
College Programs:
BS in Financial Management
BS in Accountancy
BS in Business Administration
BS in Banking and Finance
BS in Economics
BS in Entrepreneurship
BA in Development Studies
Senior High School Strands:
Accountancy, Business, and Management (ABM)
Humanities and Social Sciences (HUMSS)
General Academic Strand (GAS) (for interdisciplinary research on finance and behavior)
Why This Topic Needs Research
Investigating the impact of personal finance education on financial literacy and behavior is crucial due to several identified gaps:
Long-Term Effectiveness of Financial Education Programs: Although digital financial literacy improved immediate financial behavior, there remains a gap in evaluating how personal finance education programs sustain positive behaviors over time (Abdallah et al., 2025).
Generational Tailoring of Education Strategies: While financial knowledge benefits all generations, personalized education approaches for Millennials, Gen-Xers, and Boomers need to be explored for better long-term financial outcomes (Fan & Henager, 2025).
Diverse Educational Interventions: Although literacy and financial behavior were linked among students, more studies are needed on how different instructional methods and interventions enhance financial management practices (Situmorang et al., 2025).
Psychological and Demographic Moderators: Financial education improves knowledge, but little is known about how psychological traits and demographic differences moderate long-term financial behavior change (Gerrans et al., 2025).
Influence of Degree Programs and Financial Socialization: Gender-based differences were observed, yet the roles of educational backgrounds, financial exposure, and socialization agents in shaping financial behaviors remain underexplored (Cainglet et al., 2022).
Digital Innovations for Financial Education: Although positive personal finance practices were found among rural bank employees, there is a need to assess how digital financial education innovations can further enhance literacy across banking and other sectors (Verallo et al., 2021).
Comparative Impact Across Communities: Structured financial planning boosts financial control, but further research is necessary to examine the effectiveness of personal finance education across different socio-economic communities (Flores, 2025).
Feasibility & Challenges by Target Group
Get Your Customized Thesis Title
Finding a well-structured quantitative research topic can be challenging, but I am here to assist you.
✔ Expertly Curated Topics – Not AI-generated, but carefully developed based on existing academic studies and research trends.
✔ Comprehensive Research Support – Includes a research-based paper and reliable survey questionnaire sources to strengthen your study.
✔ Personalized for Your Field – Get a thesis title tailored to your academic requirements and research interests.
Looking for a research title designed specifically for you? Secure your exclusive thesis title today!
Prefer video content? Subscribe to my YouTube Channel for expert insights on research topics, methodologies, and academic writing strategies.
References
Abdallah, W., Tfaily, F., & Harraf, A. (2025). The impact of digital financial literacy on financial behavior: customers’ perspective. Competitiveness Review: An International Business Journal, 35(2), 347-370.
Cainglet, Y. P., Hortillo, J. N. M., & Tan, R. D. (2022). Financial Literacy, Attitude, and Behavior of Female and Male College Students: The Case of the University of the Philippines Visayas. Philippine Journal of Social Sciences and Humanities University of the Philippines Visayas, 27, 52-70.
Fan, L., & Henager, R. (2025). Generational Differences in Financial Well‐Being: Understanding Financial Knowledge, Skill, and Behavior. International Journal of Consumer Studies, 49(1), e70011.
Flores, C. A. (2025). Financial freedom of Filipinos in personal finance management. Pantao (International Journal of the Humanities and Social Sciences).
Gerrans, P., Hoffmann, A. O., McNair, S. J., & Pallant, J. I. (2025). More than objective knowledge: Exploring heterogeneity in individuals' response to a financial education initiative across multiple financial literacy domains. Pacific-Basin Finance Journal, 90, 102669.
Situmorang, T. C., Manurung, H. M., Sipayung, T. Y., & Tambunan, T. S. (2025). The Influence of Financial Literacy, Lifestyle, and Financial Attitude on Personal Financial Management Behavior of Students of Management Study Program, HKBP Nommensen University. Journal of Economic Resilience and Business Development, 1(01), 27-34.
Verallo, D. F., Ensomo, E. N., & Chua, L. A. L. (2021). Personal Finance Practices of Employees of a Rural Bank in Cebu, Philippines: Towards Innovative Interventions to Enhance Financial Literacy.