I.

OBJECTIVES
At the end of the lesson student should be able to:

a. Define financial management and explain its importance in daily life.

b. Demonstrate responsible financial decision-making through class activities.
c. Appreciate the importance of saving money in securing financial well-being and future
opportunities.
II. CONTENT Home Economics: Financial Management
III. LEARNING RESOURCES
A. REFERENCE http:||lrmds.deped.gov.ph
Teacher’s Guide
Learners Material
B. OTHER LEARNING RESOURCES Video Presentation
Powerpoint presentation
Visual aids
IV. PROCEDURES

TEACHER’S ACTIVITY LEARNER’S ACTIVITY

“Hello, Good morning/Afternoon everyone. “Good morning, ma’am.”

Greetings, my bright mind learners.”
“Welcome, students, to a new day of learning
and discovery! It's great to see you all and I hope
you are doing well. But, before we start our (A student will lead the prayer)
discussion, let’s have a prayer first. May I request
(student) to please lead the prayer.”

“Okay, so how's everyone doing today? Are you

all good?” “We’re doing great ma’am.”
“Great! That’s amazing.” “Now, let us check your
attendance first. When I call your name instead of
saying present, say “ready to learn!” Okay, Are
you all ready?”

(student roll call for attendance)

“Okay, nobody is absent today Good Job.”

ELICIT(5 minutes)
“Before we start, let’s recall our previous lesson.
Do you still remember what we had discussed last
meeting?
Can anyone state what it’s all about?”
“It’s all about Management of time
and energy, Ma’am.

Yes, can someone summarize the importance of

our lesson yesterday?

“Managing time and energy is important

because it reduces stress, improves
efficiency, and allows for better planning.
This leads to a more balanced life, with
more time for personal interests and
family. Overall, it enhances well-being
and creates a smoother daily routine.”

“Okay, what you have stated is correct. Great job,

class. It seems that you have learned a lot from
our previous discussion.”

ENGAGE (5 minutes)
Teacher: "Alright, class! Today, we’re playing 'Wise
Spender or Impulse Buyer'! Each of you will get a
random amount of money and an expense situation.
Your job is to decide what to do with your money—
spend, save, or invest! Are you ready?"
Yes, teacher!

Game Mechanics:
 I have here "money cards" (fake money
in different amounts) and "expense
cards" (cards with different spending
scenarios).
 Each of you \ picks one money card (e.g.,
PHP 500, PHP 1,000, PHP 1,500).
 Then, you can pick an expense card (e.g.,
"You saw a new phone case, will you buy
it?", "Your best friend invites you to a
movie, will you go?", "You received an
extra PHP 200—what will you do with
it?").
  You will decide how much to spend, save,
or invest, then explain their choice.
 I will classifies your choices into two
categories: Wise Spender or Impulse
Buyer and explains why. Yes, teacher!
Did you understand the mechanics?
Okay, let’s start. (Students pick their money and expense
cards, then make their financial decisions.)
(Students pick their money and expense cards, then
make their financial decisions.)

Teacher: "Let’s hear some choices! Anna, you

received PHP 1,000 and your expense card says:
Student 1 (Anna): "I’ll buy it because I
'You saw a cool new phone case for PHP 500.'
like it!"
What will you do?"

Teacher: "Hmm, impulse buy! What if you

needed money for something important later?" Student 2 (Mark): "I’ll save PHP 500 and
only buy the case if I have extra money
later."

Teacher: "Great strategy! You’re a wise spender! The

key to financial management is making smart choices.
Let’s learn how to do that today!"

How about the others?

(Continue playing the game)

(Continue playing the game)

Great Job guys!

EXPLORE (5 minutes)

Teacher: "Now, let’s put another game called 'Budget

or Bust!' Each group will act as a family managing
their monthly income. Your goal? Make sure you
don’t go broke while covering all your needs!"
Understood?

(Teacher distributes income and expense cards to

each group.)
Teacher: "Step 1: Decide how you will distribute
your money across different expenses. Make sure
you include savings!
(Groups discuss and fill in their budget sheets.)
(Groups discuss and fill in their budget
sheets.)
Teacher: "Step 2: Oh no! Life happens, and
unexpected expenses come up! Let’s see how you
handle it." [The teacher randomly gives out
"unexpected expense cards" to each group.]

Student 1: "Oh no! We have to pay for a

lost school ID!"
Student 2: "We need to cut our
entertainment budget to afford this."
Student 3: "Good thing we saved
money!"
Teacher: "Great! This is why budgeting is
important. Now, let’s hear from each group—how
did you distribute your budget, and what
adjustments did you make?"

(Each group presents their budget plan.)

(Each group presents their budget plan.)
Teacher: "Well done, everyone! This activity
shows that financial planning helps us avoid
financial stress. Let’s learn more about smart
Okay,teacher!
budgeting strategies next!"

EXPLAIN (15minutes)

Teacher: "Great job with our 'Budget or Bust'

challenge! You all saw how making financial
decisions can be tricky. Now, let’s dive deeper
into how we can effectively manage our money
so we don’t run out before the month ends!"

What is Financial Management?

Student: Managing our finances

Yes,correct!

📌 Financial Management is the process of

planning, organizing, and controlling how money
is used. It ensures we have enough for our needs
while preparing for the future.

"Why do you think financial management is

important?"

Student Responses:
 "So, we don’t overspend."
 "To have money saved for
emergencies."
 "To buy the things we really
need."
Teacher: "Exactly! Without financial
management, we might spend all our money on
things we don’t really need and struggle later."

How about Budget? What is a Budget?

(Teacher uses a PowerPoint slide or poster with a
sample budget template.)

Student 1: A budget is a spending plan

that outlines your income, expenses and
other financial goals like savings.
Yes, correct!

📌 A budget is a plan that helps us track our

income and expenses. It ensures that we don’t
spend more than we earn.

🔹 Parts of a Budget:
1. Income – The money you receive (e.g.,
allowance, part-time job, gifts).
2. Fixed Expenses – Expenses that stay the
 same every month (e.g., transportation,
rent).
3. Variable Expenses – Expenses that change
monthly (e.g., food, entertainment,
shopping).
4. Savings – Money set aside for future use.

"If you get PHP 1,500 per month as your

allowance, how would you distribute it?"

(Teacher guides a quick class discussion on (Teacher guides a quick class discussion
dividing income into categories.) on dividing income into categories.)

Smart Saving Strategies

Teacher: "Now that we understand budgeting,
let’s talk about saving! Do you always spend all
your money, or do you save some?"

Student 1: "I try to save, but sometimes I

end up using it."
Student 2: "I save a little every week."

📌 Saving is setting aside a portion of your money

for future use.
🔹 Ways to Save Wisely:
✔ Pay Yourself First – Before spending, set aside
at least 20% of your income for savings.
✔ Set Financial Goals – Identify short-term and
long-term savings goals (e.g., saving for a new
phone or college).
✔ Avoid Impulse Buying – Ask yourself: Do I
really need this?
✔ Use the 50-30-20 Rule – 50% for needs, 30%
for wants, 20% for savings.

Why is Saving Money Important?

📌 Key Points :
 Financial Security – Savings act as a safety
net for unexpected expenses (e.g.,
emergencies, medical bills).
  Future Goals – Helps in achieving personal
or educational goals (e.g., buying a laptop,
funding a college education).
 Avoiding Debt – Prevents borrowing
money and paying high interest.
 Developing Good Habits – Cultivates
discipline and responsibility in managing
money.
Saving money helps prepare for the future,
avoid debt, and build financial discipline.
Even small savings make a big difference over
time.

"The habit of saving starts now—every peso

saved is a step toward a better future!"

Can we all read?

"The habit of saving starts now—every

Very Good! Did you understand our topic, today? peso saved is a step toward a better
future!"

Yes,teacher!

ELABORATE 10 MINUTES
Teacher: "Alright, class! We’ve learned that
financial management is important, but let’s talk
about how this applies to real life. First, let me
ask—what do you usually spend your allowance
on?"
Student 1: "Mostly on snacks and drinks
after school."
Student 2: "I buy load for my phone and
sometimes new accessories."
Student 3: "I try to save some, but I end
up spending it on food or online
shopping."
Teacher: "That’s very common! But let’s think
about this—have you ever run out of money and
wished you had saved some?"

Student 1: "Yes! Last month, I spent all

my money on fast food, and then I didn’t
have enough for a school project."

Student 2: "Same here! I had to borrow

money from my friend, and it was
embarrassing."

Teacher: "That’s exactly why saving is important.

Imagine if you had set aside just PHP 50 from
each allowance—do you think you would’ve had
enough for your project?"

Student 3: "Yes, I think so. Even small

Teacher: "Exactly! Let’s say you receive PHP 1,000 savings can add up!"
a month. How much do you think you should
save?"

Student 1: "Maybe PHP 100?"

Student 2: "I think 20% is a good idea, so
around PHP 200.

Teacher: "That’s a great strategy! The key is to

'pay yourself first,' meaning you save before
spending. Now, what if something unexpected Student 3: "Yes! If I had saved, I wouldn’t
happens, like a school trip you want to join? have to ask my parents for extra money."
Would having savings help?"

Teacher: "That’s the goal! Saving money gives

you financial freedom and security. So, what will Student 1: "I will start tracking my
you do differently starting today?" spending to see where I can save more."
Student 2: "I’ll set a goal and save little
by little until I reach it."
Student 3: "I will avoid impulse buying
and think twice before spending!"
Teacher: "Excellent answers! Remember, saving is
not about how much you earn—it’s about how
well you manage what you have. The habits you
build now will help you in the future!"

EVALUATE (5 minutes)
"Exit Ticket – My Saving Plan" (Individual
Reflection) 📝

Now, get a paper and answer

Instructions:
 Before leaving class, each of you writes a
short response to one of these questions:
1. What is one key lesson you
learned about saving money Student: 1 "I learned that saving money
today? is important for emergencies. I will start
saving 20% of my allowance and avoid
2. How will you start saving money
impulse buying."
in your daily life?
3. What challenges do you think you
might face in saving, and how will
you overcome them?

Assessment Criteria:
✔ Exit Ticket Reflection (10 points) – Thoughtful
response on saving money.
✔ Scenario-Based Recitation (20 points) – Clear
and practical financial decision-making.
✔ Savings Commitment Pledge (20 points) –
Realistic and achievable savings plan.

Are you done? Pass your paper in front.

That would be all for today.
For your assignment. Please, ask you parents, Okay,teacher!
how did they budget your family income and
reflect on it.
I hope that you learned a lot today! Goodbye,teacher!
Goodbye, class!

Submitted to: Mrs. Flordeliza Abecia

Prepared by: Nicel Shine B. Manlapaz