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GROUP 4
Sa pabalat na aming inilikha na pinangalangang “Redefining Friendships” ay nagpapakita ng mga kabataang masayang nagkukuwentuhan at may kapayapaang pagsasama. Sinasalamin nito ang tunay na pagkakaibigang hindi nakabatay sa mga materialistikong bagay. Sa kanilang munting pagsasama, pinapakita niya ang pagpapahalaga sa isa’t isa na mauugnay sa aming sanaysay tungkol sa peer pressure spending. Gayundin, sa napapalibutang mga bulaklak, at mga makukulay na paligid nito, pinapakita niya ang simpleng kaligayahan na nakakamit sa tuwing kasama natin ang ating mga kaibigan. At panghuli, pinapakita din nito ang pagkakaisa at kung paano nabubuo ang tunay na pagkakaibigan – sa pakikisama, katapatan, at patuloy na pagmamalasakit.GROUP 4FILIPINOFILIPINOFILIPINO
GROUP 4ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/AP Amidst crowds and the loudness of the world, financial anxiety seems to cover lands all across the globe. In almost every household, the ponderous question ‘Needs or Wants?’ lingers. While prices rise due to inflation, daily necessities like food, clothing, and shelter remain essential for survival. However, there lies a silent killer—peer pressure spending. In a world curated by feeds and trends, we must prioritize our needs and resist unnecessary spending when socializing with friends by redefining how we spend our time with them. Financial peer pressure can happen at any age and currently happens all across the world. According to TalkLife, it becomes evident when what was once a way to relieve stress quietly turns into the need to keep up with their peers’ spending habits, even if it means stretching their financial limits. Even so, this pressure can go beyond financial responsibility, and develop into lower self-esteem. In relation to this, a survey of university students from the International Journal of Research and Innovation in Social Science reported results showing inverse effects between high peer pressure and lower self-esteem. These results show the desire to fit in may not only affect an individual's decision making but also confidence. In such situations, it is important to surround ourselves with people that show genuine compassion and generosity. An effect from this is being able to practice self discipline and temperance by resisting impulsive buying, making sure we have enough for our daily needs.Friendship as a Luxury
In addition to this, financial peer pressure comes from various factors. The fear of missing out (FOMO) is one of those. As described by the AIA, “The fear of exclusion or missing social activities can drive individuals to spend beyond their means.” This demonstrates how FOMO can focus more on belonging over our financial well-being. Aside from this, social trends not only affects consumer demand but may also drive financial peer pressure. For instance, when an influencer promotes a trending product or a store drops limited editions, its demand tends to spike. Furthermore, these can quickly encourage impulsive buying driven by FOMO. Similarly, in a 2020 article published by Search Engine Watch, Aleh Barysevich cited GlobalWebIndex findings that social media influences 71% of consumer buying decisions, creating a spike in demand. However, from a supplier perspective, an increase in demand may encourage their prices to be directly affected, especially when supply cannot keep up. Although those numbers remain high, trending products are not always a necessity. As peers, we ought to influence stewardship instead by managing our resources. Through prudence and discernment, we recognize personal needs and wants, resulting in more responsible purchases that are beneficial long term. In alignment to this, with integrity we stay true to our financial capabilities, avoiding spending too much in order to gain acceptance. With this we are able to become responsible stewards without promoting financial anxiety. ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/APGROUP 4
On the contrary, people may argue that spending time with friends and family helps maintain their emotional well-being. The article, The Mental Health Benefits of Community Involvement from the Grand Rising Behavioral Health shows that activities fosters a bond and help feel a sense of belonging in a community. Limiting spending money may restrict opportunities for meaningful experiences and social connections. However, we must acknowledge that there is a certain limit to what and how we spend our time. To avoid stress, it is important to know our financial boundaries while maintaining a healthy balance of connections. For example, rather than going to cafés or malls, compromising on a simple picnic or spending time volunteering at shelters nurtures bonds without the need of spending money. Our financial stability should always be towards daily needs rather than wants. Through such activities, we are encouraged to underconsumption and even generosity. Friendships go beyond materialistic forms, and through these connections, we should influence positive commitments in the community. Similarly, From The Abbey, a Catholic education mission, justifies that materialism makes relationships pragmatic, shallow, and short-lived. In Luke 16:9, Jesus mentions that making friends through wealth is improper. By generosity, we can shift the perspective from FOMO to genuine care for others. These acts of kindness and compassion build more trusting and safe relationships where money can practically become obsolete– satisfying the need for a real community through care.GROUP 4 ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/AP
Ultimately, friendship should not be determined by materialistic items, instead by the sincerity of our actions toward each other. As products continue to increase in value, maintaining our financial well-being must remain a priority. Through Christian values, we should evaluate whether a purchase is necessary and learn to resist microtrends, allocating every penny responsibly and following personal budget. After all, the most meaningful memories are not always found in the most expensive experiences, but in the moments of joy, understanding, and company we share with others. Hence, let us distinguish our needs from wants by FOMO and showing care through acts of kindness. By redefining friendships, we can prove that belonging does not come with a price tag—true friendship is a treasure no amount of money can measure.ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/APGROUP 4
GROUP 4FILIPINOFILIPINOFILIPINOAIA. (n.d.). Navigating financial peer pressure. https://www.aia.com/en/health-wellness/healthy-living/healthy- finances/Nagivating-financial-peer-pressure Clootrack. (n.d.). How does social media influence consumer behavior? https://www.clootrack.com/knowledge/customer- behavior-analytics/how-does-social-media-influence-consumer-behavior Deloitte. (n.d.). Digital media trends and consumption habits survey.https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits- survey.html From the Abbey. (n.d.). Christian friendship: How materialism may be ruining your friendships.https://fromtheabbey.com/christian-friendship-how-materialism-may-be-ruining-your-friendships/ Future Focused Wealth. (n.d.). Financial FOMO: How to escape social pressure to overspend.https://www.futurefocusedwealth.com/blog/financial-fomo-how-escape-social-pressure-overspend/ Greater Good Magazine. (n.d.). Spending money on others can lower your blood pressure.https://greatergood.berkeley.edu/article/item/spending_money_on_others_can_lower_your_blood_pressure Grand Rising Behavioral Health. (n.d.). The mental health benefits of community involvement.https://www.grandrisingbehavioralhealth.com/blog/the-mental-health-benefits-of-community-involvement Mayo Clinic. (n.d.). Friendships: Enrich your life and improve your health. https://www.mayoclinic.org/healthy-lifestyle/adult- health/in-depth/friendships/art-20044860 Search Engine Watch. (2020, November 20). How social media influence 71% of consumer buying decisions.https://searchenginewatch.com/2020/11/20/how-social-media-influence-71-consumer-buying-decisions/ TalkLife. (n.d.). Financial peer pressure. https://www.talklife.com/post/financial-peer-pressure Workplace Options. (n.d.). Benefits of generosity: The gift of giving to others.https://www.workplaceoptions.com/blog/benefits-of-generosity-the-gift-of-giving-to-others/ Yvonne Badulescu. (n.d.). How social media signals influence demand. https://www.yvonnebadulescu.com/post/how-social- media-signals-influence-demand Springer Nature. (2023). Research article. https://doi.org/10.1007/s11266-023-00573-z PubMed Central. (n.d.). Research article. https://pmc.ncbi.nlm.nih.gov/articles/PMC9902704/ PubMed Central. (n.d.). Research article. https://pmc.ncbi.nlm.nih.gov/articles/PMC11521598/ International Journal of Research and Innovation in Social Science. (n.d.). The influence of peer pressure on self-esteem among private university students. https://rsisinternational.org/journals/ijriss/articles/the-influence-of-peer-pressure-on- self-esteem-among-private-university-students/ EduSciRes. (2024). The importance of social activities in enhancing wellbeing. https://www.eduscires.com/articles/the- importance-of-social-activities-in-enhancing-wellbeing-11014SourcesSources
GROUP 41. Yin Ling Low Lianah Jolen Comia Leighton Blaire Catapang 1. Yin Ling Low Lianah Jolen Comia Leighton Blaire CatapangGroup MembersGroup MembersThrough understanding the importance of financial responsibility in our daily consumption, let us choose with discernment, helping reduce overconsumption and practicing stewardship. Through understanding the importance of financial responsibility in our daily consumption, let us choose with discernment, helping reduce overconsumption and practicing stewardship.