ABSTRACT: Teaching is a highly demanding profession. Aside from time and effort, teachers must meet all of their financial obligations solely from their salary. They must not only take care of themselves, but they must occasionally share resources and spend money to give their students a great education. When the certainty of a salary on a given date becomes an issue, then, they must seek out alternative sources to meet their urgent financial obligations. This research intends to investigate the relationship between teachers’ money attitudes and spending behavior. The correlation between money attitude factors (power-prestige, distrust-frugality, retention-time (saving), and anxiety) and teachers’ spending behaviors (loyalty, diversity, and overspending) need additional study. This study includes 167 teachers from Oriental Mindoro National High School in its sample size. The analysis showed that when it comes to diversity and overspending, power-prestige has a significant impact on teachers’ spending but has no effect on loyalty. On the other hand, distrust-frugality only affects loyalty, not diversity and overspending. Loyalty and diversity have both had a significant impact on retention time (saving), whereas overspending has not. Finally, anxiety has a significant relationship with all indicators of teachers’ spending behavior (loyalty, diversity, and overspending). As a result, several suggestions have been made in the hope that they will aid teachers in effectively managing their funds.

KEYWORDS – anxiety, distrust-frugality, money attitude, power-prestige, retention-time, spending behavior