QUIRINO STATE UNIVERSITY

DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

MODULE 8
FINANCIAL LITERACY

A. OBJECTIVES: At the end of the lesson, the students should be able to:
1. Define financial literacy
2. Distinguish among financial plan, budgeting, saving, spending and investing
3. Present ways on how to avoid financial crisis and scams
4. Describe financially stable person
5. Determine ways on how to integrate financial literacy in the curriculum
6. Analyze research abstract on financial literacy and its implication to teaching-
learning process

B. TOPIC GUIDE
1. Financial Literacy
2. The importance of starting financial literacy while still young.
3. Financial Plan
4. Five Financial Improvement Strategies
5. Budget and Budgeting
6. Spending
7. Budget and Budgeting
8. Investment and Investing
9. 10 Reasons Why Save Money
10. Common Financial Scams to Avoid
11. 10 Tips to Avoid Common Financial Scams
12. Financial Scams among Students.
13. Integrating Financial Literacy into the Curriculum

C. KEY TERMS:

 Financial Literacy, Budgeting,

D. LECTURE DISCUSSION:
In some instances, teachers are confronted with issues and Concerns on
financial debt, being victimized by fraud and other related scams, both personal and
electronic ways. More so, some teachers debt are drowned by emergent financial needs
and unexpected debt especially in difficult times, sickness and inevitable
circumstances and calamities. Others do not prepare for their retirement that they
usually end up highly frustrated. This is the reason why financial literacy has been a
subject in many faculty development programs, seminars, and even becomes a topic
for researches, while many schools have integrated it in the curriculum.

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 1 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

Financial Literacy
Financial literacy is a core life skill in an increasingly complex world where
people need to take charge of their own finances, budget, financial choices, managing
risks, saving, credit, and financial transactions.

Poor financial decisions can have a long-lasting impact on individuals, their

families and the society caused by lack of financial literacy. Low levels of financial
literacy are associated with lower standards of living, decreased psychological and
physical well-being and greater reliance on government support. However, when put
into correct practice, financial literacy can strengthen savings behavior, eliminate
maxed-out credit cards and enhance timely debt.

Financial literacy is the ability to make informed Judgments and make effective
decisions regarding the use and management of money. Hence, teaching financial
literacy yields better financial management skills.

The importance of starting financial literacy while still young.

National surveys show that young adults have the lowest levels of financial
literacy as reflected in their inability to choose the right financial products and lack of
interest in undertaking sound financial planning. Therefore, financial education
should begin as early as possible and be taught in schools. Akdag (2013) stressed that
in the
recent financial crisis, financial literacy is very crucial and tends to be advantageous if
introduced in the very early years as preschool years. Financial education is a long-
term process and incorporating it into the curricula from an early age allows children
to acquire the knowledge and skills while building responsible financial behavior
throughout each stage of their education (OECD, 2005).

Likewise, financial literacy is the capability of a person to handle his/her

assets, especially cash more efficiently while understanding how money works in the
real world.

Financial Plan
Teachers need to have a deeper understanding and capacity to formulate their
own financial plan. It is wise to consider starting to plan the moment they hand in
their first salary, including the incentives, bonuses and extra remunerations that they
receive.

Kagan (2019) defines a financial plan as a comprehensive statement of an

individual's long-term objectives for security and the well-being and detailed savings
and investing strategy for achieving objectives. It begins with a thorough evaluation of
the individual's current financial state.

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 2 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

The following are steps in creating a financial plan.

1. Calculating net worth. Net worth is the amount by which assets exceed
liabilities. In so doing, consider (1) assets that entail one's cash, property,
investments, savings, jewelry and wealth; and (2) liabilities that include credit
card debt, loans and mortgage. Formula: total assets minus total liabilities =
current net worth.

2. Determining cash flow. A financial plan is knowing where money goes every
month. Documenting it will help to see how much is needed every month for
necessities, and the amount for savings and investment.

3. Considering the priorities. The core of a financial plan is the person's clearly
defined goals that may include: (1) Retirement strategy for accumulating
retirement income (2) Comprehensive risk management plan including a review
of life and disability insurance, personal liability coverage, property and
casualty coverage, and catastrophic coverage; (3) Long-term investment plan
based on specific investment objectives and a personal risk tolerance profile;
and (4) Tax reduction strategy for minimizing taxes on personal income allowed
by the tax
Code. (https://www.investopedia.com/terms/f/financial_plan.asp)

Five Financial Improvement Strategies

Financial literacy shapes the way people view and handle money The following
are financial improvements suggested by Investopedia as a journey to financial
literacy.
1. Identify your starting point. Calculating the net worth is the best way to
determine both current financial status and progress over time to avoid
financial trouble by spending too much on wants and nothing enough for the
needs.

2. Set your priorities. Making a list of rated needs and wants can help set
financial priorities. Needs are things one must have in order to survive (1.e.
food, shelter, clothing, healthcare and transportation) while wants are things
one would like to have but are not necessary for survival .

3. Document your spending. One off the best ways to figure out cash flow or
what comes in and what goes out is to create a budget or a personal spending
plan. A budget lists down all income and expenses to help meet financial
obligations.

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 3 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

4. Lay down your debt. Living with debt is costly not just because of interest and
fees, but it can also prevent people from getting ahead with their financial goals.

5. Secure your financial future. Retirement is an uncontrollable stage in a

worker's life, of which counterpart are losing the job, suffering from an illness
or injury, or be forced to care for a loved one that may lead to an unplanned
retirement. Therefore knowing more about retirement options is an essential
part of securing financial future.

Budget and Budgeting

A budget is an estimation of revenue and expenses over a specified future period of

time and is usually compiled and re evaluated on a periodic basis. Budgets can be
made for a variety of individual or business needs or just about anything else that
makes and spends money. Budgeting, on the other hand, is the process of creating a
plan to spend money. Creating this spending plan allows one to determine in advance
whether he/she will have enough money to do the things he/she needs or likes to do.

Thus, budgeting ensures to have enough money for the things needed and
those important ones and will keep one out of debt.

Seven Steps to Good Budgeting

The following are seven steps that may help in attaining good budgeting.

1. Step 1: Set realistic goals. Goals for the money will help make smart spending
choices upon deciding on what is important.
2. Step 2: Identify income and expenses. Upon knowing how much is earned each
month and where it all goes, start tracking the expenses by recording every
single cent.
3. Step 3: Separate needs from wants. Set clear priorities and the decisions
become easier to make by identifying wisely those that are really needed or just
wanted
4. Step 4: Design your budget. Make sure to avoid spending more than what is
earned. Balance budget to accommodate everything needed to be paid for.
5. Step 5: Put your plan into action. Match spending with income time. Decide
ahead of time what you will use each payday. Non-reliance to credit for the
living expenses will protect one from debt.
6. Step 6: Plan for seasonal expenses. Set money aside to pay for unplanned
expenses so to avoid going into debt.
7. Step 7: Look ahead. Having a stable budget can take a month or two so, ask for
help if things are not getting well.

Spending

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 4 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

If budget goals serve as a financial wish list, a spending plan is a way to make
those wishes a reality. Turn them into an action plan. The following are practical
strategies in setting and prioritizing budget goals and spending plan:

1. Start by listing your goals. Setting budget goals requires forecasting and
discussing future needs and dreams with the family.
2. Divide your goals according to how long it will take to meet each goal
Classify your budget goals into three categories: short-term goals (less than a
year), medium-term goals (one to five years), and long-term goals (more than five
years). Short-term goals are usually the immediate needs and wants, medium term
goals are things that you and your family want to achieve during the next five
years; and long-term goals extend well into the future, such as planning for
retirement.
3. Estimate the cost of each goal and find out how much it costs. Before
assigning priority to goals, it is important to determine the cost of each goal.
The greater the cost of a goal, the more alternative goals must be sacrificed in
order to achieve it.

4. Project future cost. For short-term goals, inflation is not a big factor, but for
medium and long-term goals, it is a big factor. To calculate the future cost of
the goals, there is a need to determine the rate of inflation applied to each
particular goal.

5. Calculate how much you need to set aside each period. Upon knowing the
future cost of the goals, next is to determine how much to put aside each period
to meet all the goals.

6. Prioritize your goals. Upon listing down all the goals and the estimated
amount needed for each goal, prioritize them. This serves as guide in decision-
making.

7. Create a schedule for meeting your goals. It is important to lay down all the
goals according to priority with the corresponding amount of money needed, the
time it will be needed, and the installments needed to meet the goals.
(https://www.flexscore.com/learningcenter/the-spending-plan-setting-and-prioritizing-your-budget-goals)

Investment and Investing

As teachers, when you have saved more money than what you expect at a time
of need, consider investing this money to earn more interest than what your savings
account is paying you.
There are many ways you can invest your money but consider four aspects:

1. How long will you invest the money? (Time Horizon)

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 5 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

2. How much money do you expect your investment to earn each year?
(Expectation of Return)
3. How much of your investment are you willing to lose in the short-term in order
to earn more in the long-term? (Risk Tolerance)
4. What types of investment interest you? (Investment Type)

Savings
In order to get out of debt. it is important to set some money aside and put it into a
savings account on a regular basis. Savings help in buying things that are needed
needed or wanted without borrowing.

Emergency Savings Fund. Start as early, setting aside a little money for emergency
savings fund, If you receive a bonus from work, an income tax refund or earnings from
additional or side jobs, use them as an emergency fund.

10 Reasons Why Save Money

With credit so easy to get, here are ten practical reasons why it is important to save
money that everyone, including teachers, must know.

1. To become financially independent. Financial independence is not having to

depend on receiving a certain pay but setting aside an amount to have savings
that can be relied on.
2. To save on everything you buy. With savings, you can buy things when they
are on sale and can make better spending choices without being compromised
on credit card interest charges.
3. To buy a home or a car. Savings can be used in buying a home in full or down
payment, especially in times of promo deals, bids and inevitable sale and at a
reasonable interest rate.
4. To prepare for the future. Through savings, you can be confident to face the
future without worrying on how you will survive.
5. To get out of debt. If you want you have to save money.
6. To augment annual expenses. In order to attain a good, stress-free financial
life, there is a need to save for annual expenses in advance.
7. To settle unforeseen expenses. Savings can respond to unforeseen expenses
in times of need.
8. To respond to emergencies. Emergencies may happen anytime and these can
be expensive so, there is a need to get prepared rather than potentially become
another victim of an emergency.
9. To mitigate losing your job or getting hurt. Bad things can happen to
anyone, such as losing a job, business bankruptcy or crisis, being injured or
becoming too sick to work. Therefore, having savings is the key to resolve such
a dilemma.

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 6 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

10.To have a good life. Putting aside some money to spend when needed can
bring about quality and worry-free life at all times.

Common Financial Scams to Avoid

Financial fraud can happen to anyone, including the teachers at anytime. While some
forms of financial fraud, such as massive give data breaches, are out of one's control,
there are many ways to proactively get rid of financial scams and identity theft.

Here are some of the most common financial scams, along with ways to identify them
early and how to protect one's self from being victimized.

A. Phishing. Using this common tactic, scammers send an email that appears to
come from a financial institution, such as-bank and asks you to click on a link
to update your account information. If you receive any correspondence that
asks for your information, never click on the links or provide account details.
Instead, visit the company's website, find official contact information, and call
them to verify the request.

B. Social Media Scams. Scammers are adept at using social media to gather
information about the traveling habits of potential victims. They also have
phishing tactics, including posts seeking charity donations with bogus links
that allow them to keep your money. Therefore, be conscious of the information
you post online, especially personal details and plans for a vacation that you
would leave your house unoccupied.

C. Phone Scams. Another prevalent tactic is scamming phone calls. The

scammers pose as a government agency, such as the Bureau of Internal
Revenue or local law enforcement agencies, and use scare tactics to acquire
your personal information and account numbers. Never provide your account
information over the phone. Look for the agency's contact information, and call
them to verify any request. To note, government agencies will never text or call
you to ask for money.

D. Stolen Credit Card Numbers. There are numerous ways that scammers can
obtain your credit card information, including hacking, phishing. and the use of
skimming devices, such as small card readers attached to unmanned credit
card readers (i.e. ATMs, gas pumps, and more). These small devices pull or
swipe your card, look for Suspicious devices that may an ATM be data from
your card when you swipe it. Before you use an ATM attached to the card
reader.

E. Identity Theft. Depending on the amount of information a scammer is able to

obtain, identity theft may extend beyond unauthorized charges on a debit or

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 7 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

credit card. If scammers are able to obtain your Social Security number, date of
birth, and other personal information, they may be able to open new accounts
in your name without your knowledge. Be aware of an information you share
and with whom, and always shared sensitive information before disposing it.

10 Tips to Avoid Common Financial Scams

Every year, fraud cases are getting worse, leaving countless victims in trouble
and danger through data breaches, identity theft and online scams. Unfortunately,
new and improved technology only gives fraudsters an edge, making it easier than ever
for scam artists to nab financial data from unsuspecting consumers (Bell, 2019).
1. Never wire money to a stranger. Although it is one of the oldest Internet
scams, there are still consumers who fall for this rip-off or some variations of it.
2. Don't give out financial information. Never reveal sensitive personal financial
information to a person or business you don't know, thru phone, text or email.
3. Never click on hyperlinks in emails. If you receive an email from a stranger or
company asking you to click on a hyperlink or open an attachment and then,
enter your financial information, delete the email immediately.

4. Use difficult passwords. Hackers can easily find passwords that are simple
number combinations. Create passwords that are at least eight characters long
and that include some lower and upper case letters, numbers and special
characters. You should also use a different password for every website you visit.

5. Never give your social security number. If you receive an email or visit a
website that asks for your Social Security number, ignore it.

6. Install Antivirus and Spyware protection. Protect the sensitive information

stored on your computer by installing antivirus, firewall and spyware
protection. Once you install the program, turn on the auto-updating feature to
make sure the software is always up-to-date.

7. Don't shop with unfamiliar online retailers. When it comes to online

shopping, only do business with familiar companies. When purchasing a
product from an unfamiliar retailer, do some research to ensure the business is
legit and reputable

8. Don't download software from pop-up windows. When you are online, do not
trust pop-up windows that appear and claim your computer is unsafe. If you
click on the link in the pop-up to start the "system scan or some other
programs, malicious software known as "malware could damage your operating
system.

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 8 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

9. Make sure the websites you visit are safe. Before you enter your financial
information on any website, double-check the website's privacy rules. Also,
make sure the website uses encryption, which is usually symbolized by a lock
to the left of the web address which means it is safe and protected against
hackers.

10. Donate to known charities only. If you receive a call or an email for
solicitation of charity donations, critically examine it . Some scammers create
bogus charities to steal credit card information.
A. /www.investopedia.com/articles/personal-finance/041515/10-tips-
avoid.common-)

Financial Scams among Students.

Students can also be susceptible to different financial scams and fraud.
Learning how to manage finances and being aware of financial scams are skills that
every student should master.

The following are common financial scams that students should watch out for,
and learn to protect one's identity and finances.

A. Fake scholarships. While it is beneficial for students to apply for as

many scholarships, it is important to become aware of related Scams
and frauds. Students should thoroughly check scholarship sources
before applying to verify legitimacy. Never apply for a scholarship that
asks for money in return.

B. Diploma mills. There are schools that offer fake degrees and diplomas in
exchange for a fee. Check from government education agencies the
prospective school to enroll in if it is government-recognized, legitimate
or accredited.

C. Online book scams. While students often go for the best deals on
textbooks online, scammers can use this opportunity to get students'
credit card information. When buying anything online, be sure to do it on
a credible site.

D. Credit card scams. Oftentimes, credit card companies go to school

campuses to convince students to fill out card applications. Scammers
may also grab this chance to steal students information. It is important
to visit a local credit union or bank for credit card application. Also,
regularly check the credit card statement and once there are any
banking institution immediately.
(https://www.adt.com/resources/financial-scam-safety

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 9 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

Financial Stability
Like anyone else, teachers also aim to become financially stable if not today,
maybe in the future. Being financially stable means confidence with the financial
situation, worriless paying the bills because of available funds, debt-free, money
savings for future goals and enough emergency funds.

Financial stability is not about being rich but rather more of a mindset. It is
living a life without worrying about how to pay the next bill and becoming stress-free
about money while focusing energy on other parts of life (Silva, 2019).

10 Strategies in Reaching Financial Stability

Just like any goal, getting the finances stable and becoming financially Successful
requires the development of good financial habits. Babauta (2007) suggests 10 habits
toward financial stability and success.

1. Make savings automagical. Savings should be made a top priority, especially

as an emergency fund and a bill payment from the amount are automatically
transferred from the checking account, like an online savings account.

2. Control your impulsive spending. Control yourself from self from online
impulsive spending on eating out, shopping and online purchases that may
ruin your finances and budget.

3. Evaluate your expenses and live frugally. Analyze how you spend your
money, see what you can reduce and determine expenses that are necessary
and eliminate the unnecessary.

4. Invest in your future. Start preparing and investing for your future retirement
while still young in your career field.

5. Keep your family secure. Save for an emergency fund, so that you have
something to spend if anything happens with the family emergently.

6. Eliminate and avoid debt. Eliminate credit cards, personal loans, or other
debt forms as it will not work on you but even pull you down and make you
drowned with obligations that may even resort to surrendering your properties,
jewelry and investments as payment.

7. Use the envelope system. Set aside three amounts in your budget each
payday, withdraw those amounts and put them in three separate envelopes. In
that way, you can easily track how much remains for each of the expenses or if
you already run out

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 10 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

of money.

8. Pay bills immediately. One good habit is to pay bills as soon as they come in
and try to get your bills to be paid through automatic deduction.

9. Read about personal finances. The more you educate yourself, the better your
finances will be.

10. Look to grow your net worth. Do whatever you can to improve your net
worth, either by reducing your debt, increasing your savings, or increasing your
income, or all of the above. (https://zenhabits.net/10-habits-to-develop-for-
financial/)

Integrating Financial Literacy into the Curriculum

Financial education in schools should be part of a collaborative national
strategy to ensure relevance and long-term sustainability. The education system and
profession should be involved in the development of the strategy.

In support, Barry (2013) underscored that financial literacy has a wide

repercussion outside the family circle and more precisely, the school Hence,
administrators and professors need to develop a curriculum that Would provide
students insights on having the value of financial literacy including the effect it can
bring them.

Moreover, there should be a learning framework, which sets out goals, learning
outcomes, content, pedagogical approaches, resources and evaluation plans. The
content should cover knowledge, skills, attitudes and values. A sustainable source of
funding should be identified.

Financial education should ideally be a core part of the school Curriculum. It

can be integrated into other subjects like mathematics. economics, social studies,
technology and home economics, values education and others. Financial education
can give a range of 'real-life contexts across a range of subjects.

Teachers should be adequately trained and resourced, made aware of the

importance of financial literacy and relevant pedagogical methods and they should
receive continuous support to teach it or integrate in their lesson. More so, there
should be easily accessible, objective high quality and effective learning tools and
pedagogical resources available to schools and teachers that are appropriate to the

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 11 of 12
 QUIRINO STATE UNIVERSITY
DIFFUN CAMPUS
Diffun, 3401 Quirino

COLLEGE OF TEACHER EDUCATION

level of study. Students’ progress should also be assessed through various high impact
modes.

E. REFERENCES:
1. De Leon, Elmer. Building and Enhancing New Literacies Across the
Curriculum. LORIMAR Publishing Inc. Metro Manila. 2020.
2. Lim, L, Caubic, R, Casihan, L. The Teaching Profession. Adriana Publishing
Co. Inc. Manila. 2014.
3. (https://www.adt.com/resources/financial-scam-safety
4.(https://www.flexscore.com/learningcenter/the-spending-plan-setting-and-prioritizing-your-
budget-goals).
5. https://www.investopedia.com/terms/f/financial_plan.asp)

VISION MISSION
The leading center for academic and technological excellence Develop competent and morally upright professionals and generate
and prime catalyst for a progressive and sustainable Quirino appropriate knowledge and technologies to meet the needs of Quirino
Province and Southern Cagayan Valley. Province and Southern Cagayan Valley.

“Molding Minds, Shaping Future”

Page 12 of 12