<![CDATA[This study aims to analyze the influence of monthly budgeting and saving habits on personal financial management in Generation Z. Personal financial management is an important aspect for Generation Z because this age group is faced with various consumer needs and the development of digital technology that influences financial spending patterns. The use of a monthly budget is understood as an individual's ability to plan and manage income and expenses in a structured manner, while saving habits are defined as the behavior of setting aside a portion of income regularly for future needs. This study uses a quantitative method with data collection techniques through distributing questionnaires to Generation Z respondents from various educational and occupational backgrounds. The data obtained were analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficients of determination. The results show that the use of a monthly budget and saving habits have a positive and significant effect on personal financial management of Generation Z. Thus, the better the ability to prepare a monthly budget and the more consistent the saving habits, the better the personal financial management carried out by Generation Z]]>
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