:Low level of financial literacy among the young workforce has remained a lingering problem,especially in developing countries. This has been pointed out as one of the causes of poor personal financialmanagement practice. This problem has hampered the efforts of various governments and institutions inthis region geared towards financial inclusion and the overall economic wellbeing of the citizens. Moststudies in this area focused on the financial literacy level of people rather than the effect on their behaviour.This study is an attempt examine the effect of financial literacy level on spending behaviour of 30 youngadults from public sector organizations. The study employed the standard questions for assessing theknowledge level of respondents. The questions test their understanding of simple and compoundinterest,inflation and portfolio diversification. For the spending behaviour, thePlanned Behaviour Theory(PBT) proposed by Icek Ajzen (1985) as a theoretical framework for measuring spending behaviour usingthe respondents preparation of budget and personal pre-retirement savings account as proxies. Data wascollected using a structured questionnaire . Descriptive statistics and multiple regression was used toanalyze thedata. The result showed that there is a positive correlation between the level of financial literacyand the spending behaviour of therespondents. The less the knowledge of financial management the peoplehave, the higher the risk of poor spendingbehaviour. The conclusion was drawn to say that more work isneeded to equip the youth especially on the art of financial management.

Considering the possibility of finding a gap and a room for improvement, so much have been written about liquidity and performance. Notwithstanding, the emphasis has been on profitability as a yardstick for performance and little has been done on other areas of performance measurement. The emphasis has also been more on various economic sectors with the exception of the manufacturing industry. This paper intends to look at the impact, if any, of liquidity provision and availability on Nigeria’s manufacturing firm’s performance from the perspective of Economic Value Added (EVA). Economic value-adding is beyond just profitability or liquidity. The firm's value to the stakeholders, its sustainability and long-term values are defined. The study would apply liquidity theories, profitability and the economic value-added theories as it applies to a manufacturing firm in a developing economy like Nigeria. On its methodology, the article data is obtained from the World Bank’s World Development Indicators-WDI and then a regression analysis will be run on the data using the SPSS software and then an analysis of the results of the regression. The last section of the article would conclude and make recommendations from the study outcome and the empirical analysis with respect to the theories.