ABSTRACT: This research explores the connection between personal finance management practices—such as budgeting, debt management, insurance, retirement planning, and saving—and financial stability among 95 government tertiary educators in Calapan City. There were notable positive correlations found between budgeting, debt management, retirement planning, and saving with financial stability while insuring showed a weaker correlation. Enhancing financial literacy and efficient personal finance management fosters financial well-being, increases job satisfaction, and boosts productivity. Suggested strategies include targeted financial literacy initiatives, increased emergency savings, improved health insurance (PhilHealth), financial counseling services, and access to government-sponsored programs like Pag-IBIG and GSIS. Ongoing financial literacy programs maximized initiatives from Bangko Sentral ng Pilipinas, and careful evaluation of insurance policies are also recommended. Future research should explore how online banking influences financial stability, the importance of digital literacy, and the utilization of financial tools. The results are intended to guide policymakers, educational institutions, and practitioners in devising strategies to enhance teachers’ financial stability, which in turn could lead to better education quality and improved workforce productivity.

KEYWORDS – Personal finance management practices, budgeting, debt management, insuring, retirement planning, saving, financial stability