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TimestampWhat challenges do you face when it comes to managing your finances as a student?
Are you motivated to save for personal goals or for future financial security?
What are your long term financial goals as a student, and how do you plan to achieve that?
In your opinion, what factor contributes to how you spend?
Can you share with me how you budget money before spending, if you don’t budget, you’re free to say
How confident are you in your ability to manage your finances effectively?
How often do you review your spending habits to ensure that they align with your financial goals?
How comfortable are you with the idea of not being able to cash out your savings until the day of your graduation?
Would you be more likely to save money if the app provided personalized budgeting advice?
Would you prefer a saving app that restricts withdrawals until the day of your graduation?
What percentage of your income do you currently save?
How do you account for the money you receive from your relatives?
Do you have any plan of starting up a business after graduation?
If yes, how do you think having a savings fund could impact your entrepreneurial journey?
On a scale of 1 to 5, how confident are you in managing your current budget?
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18/12/2023 18:01:05Lack of proper planning. YesBy conducting proper research and planning in my spending habit. External influence. I don't usually budget. ConfidentWeeklyUncomfortableYesYes0-10%Gifts. Yes
It will help me in finding my feet in journey of entrepreneurship.
3
3
18/12/2023 18:11:57The allowance are not enough YesSaving enough
Spending on unnecessary things
I don't usually budget NeutralMonthlyUncomfortableYesYes10-20%GesturesYes
Successful takeoff of the business
2
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18/12/2023 18:59:01ExpensesYesTo be able to carter for my needs and not depends on anyone for funds
Family needs and personal needs
List what I will spend the money on then check if the money is enough for it and know wer to adjust ConfidentDailyComfortableYesYesmore than 30%The things I spent it onYesIt will be very very vital4
5
19/12/2023 07:23:11Food stuffsYesAbout 10-25 million i plan to achieve it by doing business Business I didn't budgetConfidentMonthlyComfortableYesYes10-20%
I don't receive money from my relatives
YesFor future purpose3
6
19/12/2023 16:36:10Miscellaneous Expenses. There's no adequate control YesI want Save for a better living at least #10k every weekFriends I Program my list and Set out Plans on them one by one. And all happens once ConfidentDailyUncomfortableYesYes10-20%Very wellYes
It will go a long way to I believe
3
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19/12/2023 18:06:27Well I face challenge of where and what exactly to use my money for YesBy doing daily contributions (Asusu)
I tink itx my extra vagant Life style
I do Budget, most at times I write my budget according to scale of preferences Very confidentWeeklyVery comfortableYesYesmore than 30%
I share into 2 n save part of it
YesIt wil help me save more4
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19/12/2023 18:44:18Accomodation expenses Yes
building an emergency fund, paying off student loans, saving toward a car down payment, saving toward a mortgage down payment, and investing for retirement.
family background, lifestyle, financial knowledge, year of study, family financial level, gender, school, perceived ease of use, perceived usefulness, perceived credibility, social influence, enjoyment tendency, impulsive tendency, store
20 thousand every month Very confidentDailyVery comfortableYesYes10-20%
Most of the money received from them is for my upkeep
Yes
It can help you stay within budget and free up resources to reinvest in the business
4
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19/12/2023 18:47:27Paying for handout YesBy opening a savings account where I would be able to save no matter how little Departmental bills Most of m expenses are on textbook and photocopy Very confidentWeeklyUncomfortableYesYes10-20%
By writing down my expenses
Yes
It will help to develop myself in starting up a small scale business
4
10
20/12/2023 07:45:47The only challenge i have is based on not having enough to carry out my planYesI intend to save money through the extra money i receive from my aunties, uncles and friendsThrough savings I only budget in a favor of my savings Very confidentDailyComfortableYesNo20-30%Saving themYesIt makes road easier 5
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20/12/2023 08:40:45Stress YesHard workManaging I prepared a listVery confidentDailyComfortableYesNo10-20%Other expenses YesYes5
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23/12/2023 19:49:58Challenges of school materials like handouts, feeding and accommodationYesLong term goals are numerous but I save up and execute my goals on a level by level basisTransportation, feedingI budget my money on things I want to achieve for the mean time Very confidentWeeklyVery comfortableNoNo10-20%AlwaysYesVery okay5
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23/12/2023 19:54:12Very stressful in terms of the economy situation very challenging YesAm not a longer a student Feeding sustainability I do budget but alot of factor make someone not to budget at this period ConfidentWeeklyUncomfortableYesYes10-20%
I don't account for any money from my relatives
YesIt would help a lot 2
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23/12/2023 20:25:10
Basically, managing finance as a student has a lot of challenges to be encountered with and among which is unpredictable spending on reading materials, assignments and the likes. It’s really something disruptive to manage finance and save of funds.
Yes
My long-term financial goal as a student is to get a job in the industry and to be able to work in the industry for a while before I retire and be able to diversify the source of income through engaging in business that can relate to my field of study.
The factor that contributes to how I spend is my family
How are you make a budget of money before spending it depends on what I want and when I want so I make the budget Bizzone the things I want to buy at the moment or for the whole month.Very confidentDailyVery comfortableYesYes0-10%
Basically, nothing to account for.
Yes
Saving funds could impact my intrepreneurial journey in a very positive and meaningful way
5
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23/12/2023 21:15:44Lack of time NoMaking more money from my savings TimeYes through savings Very confidentDailyComfortableYesYesmore than 30%
To buy little things for myself
YesNo3
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23/12/2023 21:34:11Too Much expensive YesSaving and spending lessFoodstuffs Yes.....i run market survey but i lay out my budget Very confidentWeeklyUncomfortableYesNo10-20%I spend itYesVery well5
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