Archdiocese of Lingayen Dagupan Catholic Schools
URBIZTONDO CATHOLIC SCHOOL, INC.
Urbiztondo, Pangasinan
Contact No’s. (075) 540-1712 / 0923- 086-2353
Urbiztondo Catholic School-ALDCS @ucsaldcs
SENIOR HIGH SCHOOL DEPARTMENT
S. Y. 2024-2025
TEACHING GUIDE
MET # __1___ Lesson # __4___ ( FINANCIAL PLANNING, TOOLS, AND
CONCEPTS 1 - BUDGETING)
Prerequisite Content-knowledge:
A. Define a budget.
B. Identify the role played by financial planning in a business.
C. Identify the steps involved in the financial planning process.
D. Identify the advantages offered by preparing a budget.
E. Identify the different types of budgets available.
F. Prepare budgets and analyze them.
represents real-life
situations using one-to-one
functions (M11GM-Id-1);
2. determines the inverse
of a one-to-one function
(M11GM-Id-2);
3. represents an inverse
function through its table
of values and graph
(M11GM-Id-3);
4. finds the domain and
range of an inverse
function (M11GM-Id-4);
and
5. solves problems
involving inverse functions
(M11GM-Ie-2).
represent real – life
situations using rational
functions
2. distinguishes rational
function, rational equation
and rational inequality
Prerequisite Skill:
A. Prepare budgets and analyze them.
Prerequisites Assessment:
Directions: Encircle the correct answer.
Before we start this
module, let us check first
what you have learned
about
expressing fractions to
decimals and percent
and vice versa by
answering the
questions below.
1. Which of the following best defines financial planning?
a) The process of tracking daily expenses.
b) Creating a strategy to manage and grow personal or business
finances over time.
c) The preparation of tax filings.
d) The process of investing in stocks only.
2. What is the primary goal of financial planning?
a) Maximizing stock market returns.
b) Minimizing expenses at all costs.
c) Achieving financial goals by managing resources effectively.
d) Reducing tax liabilities to zero.
3. Which of the following is NOT typically considered a financial goal?
a) Paying off credit card debt.
b) Buying a home in the future.
c) Achieving a specific level of fitness.
d) Saving for retirement.
4. What does the concept of "net worth" refer to?
a) The amount of money in a savings account.
b) The total market value of stocks and bonds.
c) The difference between a person’s assets and liabilities.
d) The value of income received after tax deductions.
5. Which tool is most commonly used to track income and expenses in personal
finance?
a) Budgeting software or apps (e.g., Mint, YNAB).
b) Financial news websites.
c) Tax return documents.
d) Investment calculators.
6. A retirement calculator helps you determine:
a) How much money you need to invest monthly to reach your
retirement goal.
b) How much money you should spend today.
c) How to reduce your tax burden.
d) The cost of purchasing stocks for retirement.
7. What is the purpose of using an investment portfolio management tool?
a) To track the value of individual stocks.
b) To diversify and manage a variety of investment assets.
c) To file taxes.
d) To calculate monthly bills and expenses.
8. Which of the following is a financial tool that can help with retirement planning by
estimating how long savings will last?
a) Retirement longevity calculator.
b) Debt repayment calculator.
c) Home affordability calculator.
d) Stock portfolio tracker.
9. What is the “time value of money” (TVM) concept?
a) Money has more value today than in the future due to inflation and
interest rates.
b) Money becomes less valuable as time passes due to taxation.
c) The value of money remains constant regardless of time.
d) Money's value increases over time without considering inflation.
10. Which of the following is a common method for budgeting personal finances?
a) 50/30/20 Rule (50% for needs, 30% for wants, 20% for savings).
b) 60/20/20 Rule.
c) Zero-sum method only.
d) Paying off debts first, then savings.
Pre-lesson Remediation Activity:
1. For Students with an Insufficient Level of Prerequisite Content-knowledge
and/or Skill(s):
The teacher will give the students more examples and explanations on
how to analyze and interpret a data and explain it more clearly to the
students.
2. For Students with a Fairly Sufficient Level of Prerequisite Content-
knowledge and/or Skill(s):
The teacher will give the students more examples more examples and
explanations on how to analyze and interpret a data and let them explain
how they can apply it.
Introduction: Must include the following parts:
1. Time Frame: 3 hours
2. RUA: At the end of the lesson the students will be able to; define a budget
Understanding), identify the role played by financial planning in a business.
identify the steps involved in the financial planning process, identify the
advantages offered by preparing a budget. (Remembering), prepare budgets and
analyze them.(Applying)
3. The students will be going to define a budget, identify the role played by
financial planning in a business. identify the steps involved in the financial
planning process, identify the advantages offered by preparing a budget, prepare
budgets and analyze them.
4. Overview of the Lesson: In this lesson you are going to identify the role
played by financial planning in a business. identify the steps involved in the
financial planning process, identify the advantages offered by preparing a
budget, prepare budgets and analyze them.
Student’s Experiential Learning:
Chunk 1. Activity 1: Budgeting Simulation Game (Drawing attention to
meaning)
Objective: To understand the process of creating a budget and allocating
resources.
Instructions:
o Divide participants into small groups and provide them with a
hypothetical monthly income (e.g., $3,500).
o Give them a list of expenses such as rent, utilities, groceries,
entertainment, savings, etc., and assign costs to each category.
o The groups must allocate their income to each expense while
ensuring they stay within their budget and save a portion of their
income.
o After completing the activity, have the groups discuss how they
prioritized their spending and savings.
Chunk 2: Activity 2: Net Worth Calculation Challenge (Prompting
connections to prior knowledge)
Objective: To introduce the concept of net worth and how to calculate it.
Instructions:
o Provide participants with a worksheet that includes hypothetical
assets (house, car, savings, etc.) and liabilities (loans, credit card
debt, mortgage, etc.).
o Participants must calculate their net worth by subtracting their
liabilities from their assets.
o After the calculations, discuss what the results mean in terms of
financial health and the importance of regularly tracking one's net
worth.
Chunk 3: Activity 2: Investment Portfolio Creation (Prompting for effortful
thinking)
Objective: To explore different types of investments and how to build a
diversified portfolio.
Instructions:
o Present participants with a list of various investment options (stocks,
bonds, real estate, mutual funds, etc.) with risk and return profiles.
o Each participant must create a diversified investment portfolio using
a given budget (e.g., $50,000).
o Have them allocate their investments based on their risk tolerance
(conservative, balanced, or aggressive).
o Afterward, discuss how diversification can reduce risk and the
importance of choosing investments that align with one’s financial
goals.
Discussion Proper: The teacher will use PowerPoint presentation and a white
board in discussing the following topics;
1.4 FINANCIAL PLANNING, TOOLS, AND CONCEPTS 1 (BUDGETING)
Synthesis
ACTIVITY 4: Emergency Fund Quiz
Objective: To understand the importance of an emergency fund and how to
calculate the ideal amount.
Instructions:
Create a multiple-choice quiz with questions about emergency funds, such as:
“How many months of expenses should you have in an
emergency fund?”
“What are the best types of accounts to hold an emergency
fund in?”
“What are some reasons to use an emergency fund?”
Discuss the answers after the quiz and explain the role of an emergency fund in
financial planning.
RUA of a Student’s Learning: At the end of the lesson the students will be
able to; define a budget Understanding), identify the role played by financial
planning in a business. identify the steps involved in the financial planning
process, identify the advantages offered by preparing a budget. (Remembering),
prepare budgets and analyze them.(Applying)
Post-lesson Remediation Activity:
Direction: Match the each
definition below on the
terms given inside the box.
Write the letter
of your answer on a
separate sheet of paper.
Direction: Match the each
definition below on the
terms given inside the box.
Write the letter
of your answer on a
separate sheet of paper.
ACTIVITY 5: Financial Goal Setting Workshop
Objective: To help participants set clear, actionable financial goals.
Instructions:
o Have participants identify their short-term, medium-term, and long-
term financial goals (e.g., saving for a vacation, buying a house,
retirement).
o Ask them to use the SMART criteria (Specific, Measurable,
Achievable, Relevant, Time-bound) to define each goal.
o Encourage participants to share their goals with the group and
discuss strategies for achieving them, such as automating savings
or reducing unnecessary expenses.
These activities will help participants grasp essential financial planning
concepts and apply tools that can support sound financial decision-
making.
Prepared by:
CHRISTIAN G. PADLAN
Subject Teacher
Checked by:
JOE ANN DADUYA
SHS Coordinator
Noted by:
KIM ABIGAIL CAMACHO, MaEd
SHS Principal
