Personal Financial Planning of Tour Guides in Chiangmai Province During COVID-19 Pandemic

Abstract

The purpose of this study was to study the personal financial management of tour guides in Chiang Mai province during the COVID-19 pandemic. A questionnaire was used to collect data from the samples of 119 tour guides in Chiang Mai province, and an in-depth interview was used to collect data from 20 subjects. The data were analyzed using frequency percentile, mean standard deviation, and context analysis. The research findings were as follows: 1) Most of the guides are female, 41–50 years old, and single. They have 2–3 family members and hold a bachelor's degree. During the COVID-19 pandemic, most of the samples had revenue of less than 10,000 Baht, expenses per month of between 10,001 and 20,000 Baht, and did not have savings or investments. 2. Their personal financial management is as follows: 2.1) In revenue management, most of the samples had increased revenue from other jobs, and they had split the revenue proportion. 2.2) In expense management, most of the samples reduced unnecessary expenses and reviewed monthly expenses. 2.3) In saving and investment, most of the samples had many ways for saving and investment. 2.4) In debt management, most of the samples reviewed all debts, prioritized debt for closing, and did not make more debt.