The purpose of this research was to: 1) study the factors that affect the household accounts of people Baan Bang Pho Nuea Pathum thani 2) study the problems and barriers of the household accounts of people Baan Bang Pho Nuea Pathum thani. A questionnaire was used to collect the information through population in of people Baan Bang Pho Nuea Pathum thani. From studying the personal factors it was found that the majority of the population was female ages 41-50 years old 4 family members graduated elementary school average monthly household income in the range of 5000-15000 THB mostly without any financial institutions and most people did household accounts before. Factors affecting household accounts of people Baan Bang Pho Nuea Pathum thani include the necessary to do household accounts to make more savings to know revenue – expenses of families each month to spend carefully and no extravagant and to behave according to the principle of sufficiency economy. Troubles and barriers of making household accounts of Baan Bang Pho Nuea Pathum thani included lack of resource inexperienced lack of help advice from the authorities it’s complicated and waste of time do not want to disclose the facts in household accounts and dislike and ignore the benefits of household accounts

The purpose of this study was to study factors affecting the personal financial management of personal in Rajamangala University of Technology in Bangkok area. These factors were divided into 4 factors; first of them was personal factor: age academic position and salary second of them was family factor: family responsibility third of them was environmental factor in the workplace: imitation to their peer groups in office and fourth of them was factor of social environment: the influence of the media. The samples in this research were 334 personals. The study participates selected by stratified random sampling. The Instruments used in this study were the interview and rating scale questionnaire 5 levels of 16 items discrimination since 0.31 to 0.69 and alpha coefficient of 0.86. Percentage mean standard deviation χ2 - test and stepwise multiple regression analysis were statistical method to analyze data. The results were as follows: 1. The personal factor: age academic position and salary no related to the personal financial management of personal in Rajamangala University of Technology in Bangkok area. 2. The factors related to the personal financial management of personal in Rajamangala University of Technology in Bangkok area statistically significant at the level of significant 0.01 in the order correlation coefficients (rxy) descending as follows: family factor (0.556) environmental factor in the workplace (0.295) and factor of social environment (0.120) 3. The factors which could predict the personal financial management of personal in Rajamangala University of Technology in Bangkok area at the 0.01 level significant: family factor (X1) and factor of social environment (X3) with the multiple correlation coefficients (R) of 0.627 and coefficient of determination (R2) of 0.393. The predicted equation of affected the personal financial management of personal in Rajamangala University of Technology in Bangkok area at 0.01 level were as follows 3.1 In terms of raw scores were : yˆ = 0.776 + 0.700x1+0.085x3 3.2 In terms of standard scores were : Y = 0.553x1+0.289x3

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.