The purpose of this study was to study and compare knowledge and perspective of undergraduates towards personal financial management in 4 aspects: income spending saving and investment. The undergraduates were classified by gender academic years major subjects monthly income sources of income and parent’s occupation. The samples in this research were 1419 undergraduates. The study participates selected by stratified random sampling and simple random sampling. The 98 item questionnaires of rating scales and test was used as the research instrument. percentage mean standard deviation t - test for independent sample F – test Scheffe’s test and Pearson product-moment correlation analysis were statistical method to analyze data. The results were as follows: 1. Knowledge about personal financial management of undergraduates all aspects were in moderate levels that income was the highest while spending and saving was in the lowest rank. 2. Perspective about personal financial management of undergraduates all aspects were in moderate levels that income was the highest while saving and spending was in the lowest rank. 3. There was significant difference for knowledge about personal financial management of undergraduates at the 0.05 level among undergraduates in different gender different academic years different major subjects different monthly income different sources of income and different parent’s occupation. 4. There was significant difference for perspective about personal financial management of undergraduates at the 0.05 level among undergraduates in different gender different academic years different major subjects different monthly income different sources of income and different parent’s occupation. 5. Knowledge about personal financial management of students was positive correlate with perspective about personal financial management of students with statistically significant at 0.01 level.

The purpose of this study was to study and compare problems of members of community Phya Prasit towards saving in two aspects: knowledge of saving and perspective of saving. The samples were classified by gender age occupation status education and monthly income. The samples in this research were 126 members of community Phya Prasit. The study participants selected by simple random sampling. The test with 23 items and questionnaires of rating scales with 24 items were used as the research instrument. Percentage mean standard deviation t - test for independent sample F - test and Scheffe’s test analysis were statistical method to analyze data. The results were as follows: 1. Since income of the members of community were relatively low no extra revenue and debt to be paid. So guidelines for the development on savings were as follows: training to make plan for savings promote to make the household account training to make extra money training planned to spending and training to make the knowledge of investment. 2. Problems of members of community Phya Prasit towards saving: in aspect of knowledge on saving of members of community were relatively low while perspective of saving was in a great extent. 3. There were significant difference for problems of members of community Phya Prasit in aspect of knowledge of saving at the 0.05 level among members of community Phya Prasit in different gender and different age. 4. There was significant difference for problems of members of community Phya Prasit in aspect of perspective of saving at the 0.05 level among members of community Phya Prasit in different occupation.