initially benefited some fisher folk households, if this project were successful for creating a “Bantay Dagat” an organization to all fishermen just to avoid or mitigate illegal fishing in the coastal area, thus, the local government unit gave technical know-how among Aplaya fisher folks in mitigating or controlling some illegal fishing in their coastal area. Further, that this project helped strengthen the physical assets of among fisher folk. But, in general, households in Barangay Aplaya who engage in both fishing and non-fishing activities have a higher tendency to save than beach-based fishermen without any other source of income. Furthermore, it was found out that the money for consumption expenditure of among fisherfolks depends from borrowed money from moneylenders, relatives and friends for daily survival. And, if among fisherfolks members know how to manage their daily income from beach-based fishing and with the support from the local government for some financial assistance or credit facilities and new income-generating activities boost incomes and motivate higher savings among fisher folk members. One of the participants said that: Gikan jud pag COVID sir, taga-adlaw Sir, wala jud na ulian.Lisod sir oi.Gawas na minus ang kuha. Maglisod pa mi ug suroysuroy sa among isda kay paita. Daghan ug bawal sir. (At the start of COVID sir, everyday Sir, not back from normal. Very difficult sir. Aside from lesser catch. It is difficult to roam and sell fish. Many restrictions sir. ) Kanang manguan, manguan ug manok, karne. Pautang ko ug kanang kuan lang. Ginangmay lang gud kay wala man pud koy kapital. Ah kanang magsuroy-suroy. Pautang. One-week ana lang. Pero manghulam lang. (That selling of chicken, meat. I give credits to those. Just small amount because I don’t have capital. I roam and give credits for one week. I just borrow.)