ISSN2320-2882
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Paper Title
IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z.
Authors
AAKASH .A , Dr. C. Arun
Keywords
Financial Literacy, Budget, Gen Z
Abstract
Financial literacy has become an essential life skill in the contemporary economic environment characterized by rapid technological advancement and increasing financial complexity. This study examines the impact of financial literacy on personal budgeting and saving habits among Generation Z. The primary objective is to analyse how financial knowledge influences financial behaviour, budgeting practices, and saving patterns among young individuals. The study is based on primary data collected from 127 Generation Z respondents through a structured questionnaire covering demographic details, financial literacy awareness, budgeting practices, and saving habits. Secondary data were gathered from journals, research papers, government reports, and other relevant sources. Statistical tools such as percentage analysis, ANOVA, and correlation analysis were employed to interpret the data. The findings reveal that the majority of respondents, mainly aged between 18 and 22 years, possess basic financial knowledge acquired through formal education and workshops. Most respondents demonstrate a positive attitude towards saving, primarily for future security and emergency purposes, and recognize the importance of preparing personal budgets to control expenditure. The study also identifies a significant relationship between financial literacy and saving behaviour. The research concludes that financial literacy plays a crucial role in shaping responsible financial behaviour among Generation Z. Enhancing structured financial education programs can further strengthen budgeting discipline and long-term saving habits, thereby contributing to individual financial well-being and overall economic development.
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IJCRT — journal style
"IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z.", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 2, page no.c973-c980, February 2026, Available :https://ijcrt.org/papers/IJCRT2602336.pdf
APA — 7th edition
.A, A., & Arun, C. (2026). IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z. International Journal of Creative Research Thoughts, 14(2), c973-c980. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336
MLA — 9th edition
.A, AAKASH, and C. Arun. "IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z." International Journal of Creative Research Thoughts, vol. 14, no. 2, 2026, pp. c973-c980, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336.
Chicago — 17th, bibliography
.A, AAKASH, and C. Arun. "IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z." International Journal of Creative Research Thoughts 14, no. 2 (2026): c973-c980. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336.
Harvard — author–date
.A, A. and Arun, C. (2026) 'IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z', International Journal of Creative Research Thoughts, 14(2), pp. c973-c980. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336
IEEE — numbered reference
A. .A and C. Arun, "IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z," IJCRT, vol. 14, no. 2, pp. c973-c980, Feb. 2026.
Vancouver — biomedical
.A A, Arun C. IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z. IJCRT. 2026 Feb;14(2):c973-c980.
AMA — 11th edition
.A A, Arun C. IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z. IJCRT. 2026;14(2):c973-c980. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2602336,
author = {AAKASH .A and C. Arun},
title = {IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z.},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {2},
pages = {c973-c980},
year = {2026},
month = {February},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - .A, AAKASH
AU - Arun, C.
TI - IMPACT OF FINANCIAL LITERACY ON PERSONAL BUDGETING AND SAVING HABITS AMONG GENERATION Z.
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 2
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336
SP - c973-c980
ER -
Issue
Volume 14 Issue 2,
February-2026
Pages : c973-c980
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 14, Issue 2, February 2026
- Pages
- c973-c980
- Published
- February 2026
- Registration ID
- IJCRT_301354
- Published Paper ID
- IJCRT2602336
- Research Area
- Management All
- Author Type
- Indian Author
- Location
- Puducherry, Puducherry, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 201
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2602336
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2602336.pdf
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