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.