This purposes of this independent research were to 1 ) study attitudes towards saving and investment of of Rajamangala University of Technology Phra Nakhon personnel as a financial retirement preparation 2) compare attitudes towards saving and investment of of Rajamangala University of Technology Phra Nakhon personnel with different personal and external factors. The data collected from the university personnel of Rajamangala University of Technology Phra Nakhon. The samples were 238 employees and the questionnaire was used as a tool to collect data. The study result indicated that the majority of respondents of Rajamangala University of Technology Phra Nakhon were female staff 166 (69.7%) 121 (121) and 152 (63.9%). The average monthly income was 20001 - 25000 baht or 47.1 percent. Their monthly expense was 15001 - 20000 baht which accounted for 38.2 percent. The results of this study revealed that the attitudes towards saving and investment of the Rajamangala University of Technology Phra Nakhon staff were different in terms of personal factors and external factors. The attitude toward savings and investment at the overall level was high regarding Acceptance of risk acceptance expected return understanding confidence and saving and investment experiences

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