I.

Objectives
At the end of discussion, the student will able to:
• Explain the basic concept of Budgeting, Spending, and Investing.
• Discuss the importance of Budgeting, Spending, and Investing in our
daily lives.
• Create a budget plan in order to have a proper spending and Investing.
• Appreciate the value of Budgeting, proper Spending and Investing.

II. Subject matter/ Content

a. Topic: Budgeting, Spending, and Investing
b. Topic Outline
- Definition of Budgeting and it’s importance.
- Definition of Spending and common sources of Spending.
- Definition of Investing and common forms of Investing.
c. Targeted Value: Appreciate the concept of budgeting that will guide for
proper spending and investing.
d. Reference:
• https://www.mymoneycoach.ca/budgeting/what-is-a-budget-
planning-forecasting
• https://psu.instructure.com/courses/1806581/pages/chapter-1-five-
5-core-competencies
• https://corporatefinanceinstitute.com/resources/knowledge/finance/
personal-
finance/#:~:text=Spending%20includes%20all%20types%20of,paid
%20for%20by%20borrowing%20money
e. Materials : PowerPoint presentation, visual aids, chalk, pentel pen,
laptop, projector, speaker, and flash cards.

III. Procedure/Methodology
Teacher’s Activity Student’s Activity

Good day class! “Good day sir Paredes!”

“Before we start our class today, pick up *The class start to pick up the pieces of trash in
the pieces of trash in your respective their respective places and start to arrange their
place and arrange your chair quietly”. chairs.*

Class let us stand for our opening prayer *Hernandez start to go in front to lead the
lead by your classmate, Hernandez. opening prayer
Okay class, please sit down. *all student sit down*

A. Preparatory Activity

1. News reporting

Class let us proceed now in our News Alcaraz proceed in front of the class to share his
reporting. Alcaraz please present your news.
News report in front of the class.

Thankyou Alcaraz for sharing your News

today.

Class what do you think the causes of oil

price hike and the effect to the consumer
of having another hefty oil price hike? Yes
Verona.
Sir, I think the cause of oil price hike is the
“Very good Verona, there are many reasons changing of price in world market it because the
why we experience the oil price hike, one of supply of oil is limited and many consumer of oil
the main reason is the changes of price in the are affected prior to the jeepney driver and
world market who are the contributor of oil suggest to increase also the jeepney fair it
supply. All of the consumer are affected of oil because of oil price hike.
price hike because the price of oil is
increasing and many of them cannot afford
these kind of oil price hike”.
B. Review
ACTIVITY: SET YOUR PLAN TO GOAL!

*all student listen to the instruction of teacher and

start to make their goal action plan that will share
in front of the class*

For review in our past lesson, In financial

planning and goal setting.

By using these format you will write your My goal action plan, my motivation to do these
motivation, in how to achieve your goals. things is my family who believe in my potential
Also, you will write how you can achieve and skills to do a lot of things particularly in
your goals by writing your action steps to school. To achieve my goal, I will work hard and
be taken. study hard to reach my dreams to become a
Lastly, you will also list down what was successful person some day. The following action
easy, hard things you experience while steps to achieve my goals is first, study hard and
you doing to achieve and reach your give priority to the important things, become
goals. After that, I will call someone to financial literate to sustain my daily needs
share his work in the front of the class. particularly providing my needs in school.
Sometimes I experienced a hard time whenever I
Yes Gonzales, you may share your goal feel motivated to do my task activities and school
action plan to your classmates here in the works but I feel easy whenever some people
front of the class. reminds me that I can do the things that needs to
do.
Thank you, Gonzales to share your goal
action plan. Hoping all of you learn from our
past lesson in Goal setting.

C. Motivation

ACTIVITY: PICTURE ANALYSIS

Class, I will show to you some picture that

you need to visualize and analyze the
meaning of the picture.

Can you please answer and analyze

number 1, Garcia.

1.

Sir in number 1, In the first picture illustrate

Budgeting it because it shows allocating in a form
of bar graph and pie graph and computing the
Budget by using calculator. Also, we will notice
the different color that stands in allocated budget
in particular things.

Very good, it portrait the Budgeting.

2.

For the number 2 picture, can you please

answer and analyze this picture, Miranda. Sir, in the number 2 picture shows the girl spend
her money in a way of buying a lot of things. It’s
shows spending.
Exactly, the second picture illustrate the
girl spending her money in the way of
buying things as we can see in the
picture.

3.
 In the picture shows, the coins in the jar having a
For the last picture, can you analyze this growing from the first to last jar and start growing
picture Pascual. the leaves. It illustrate investment and the money
in the jar start growing when times goes by.

Very good, the picture illustrate investing.

D. Presentation

After we analyze those following picture,

those pictures is connected to our topic
today. We will discuss the concept of
Budgeting and why is it important, the
concept of Spending and common
sources of Spending, and lastly the
concept of investing and common forms
of Investing.

Let’ start to know the definition of

Budgeting and Budget.

What is Budgeting? What is a Budget?

Budgeting is the process of creating a plan to

spend your money. This spending plan is called
a budget. Creating this spending plan allows you
to determine in advance whether you will have
enough money to do the things you need to do
or would like to do.

If you don’t have enough money to do everything

you would like to do, then you can use this
planning process to prioritize your spending and
focus your money on the things that are most
important to you.
Sir, I budget my allowance in week by allotting my
After you know the definition of Budgeting and money in my daily needs and my priority like
Budget and their difference. How do you budget spending my money in my necessities like foods,
your allowance in a week or in a day? Yes Diaz water, transportation, and other school needs.
Thank you for sharing your budgeting in our
class. I am hoping that all of you know how to Yes sir, we learn the value of Budgeting and
budget wisely your allowance in important things proper budget our money in spending our needs
like your daily needs as said by your classmate. over wants.

After we know the definition of Budgeting and

Budget, Let’s proceed now why is Budgeting is
important.

Why is Budgeting so Important?

Since budgeting allows you to create a spending

plan for your money, it ensures that you will
always have enough money for the things you
need and the things that are important to you.
Following a budget or spending plan will also
keep you out of debt or help you work your way
out of debt if you are currently in debt.

Budgeting is simply balancing your expenses

with your income. If they don’t balance and you
spend more than you make, you will have a
problem. Many people don’t realize that they
spend more than they earn and slowly sink
deeper into debt every year.
 Yes Carandang, in your own words why
budgeting is important to know in your Sir, for me budgeting is so important in my daily
young age? lives to manage my money wisely and spend it in
important things like prioritizing my daily needs
particularly in school needs, my necessities like
food, water, transportation and other things that I
need to live.

Very good Carandang! Budgeting is so

important to know how to manage our
money wisely and spend it in important
things like our daily needs.

Let’s proceed now in the definition and

common sources of Spending.

Spending

“Spending” is probably the most important

concept because it is a personal reflection of
your values, lifestyle, and your financial
behavior. Differentiating between NEEDS and
WANTS is the basic concept of controlling
spending. Budgeting is the most powerful and
impact-full tool you can adopt to control spending
to allow for saving and investing.

Spending includes all types of expenses an

individual incurs related to buying goods and
services or anything that is consumable. All
spending falls into two categories: cash (paid for
with cash on hand) and credit (paid for by
borrowing money). The majority of most people’s
income is allocated to spending.

Common sources of spending are:

• Rent

• Mortgage payments

• Taxes
• Food

• Entertainment

• Travel

• Credit card payments

The expenses listed above all reduce the

amount of cash an individual has available for
saving and investing. If expenses are greater
than income, the individual has a deficit.
Managing expenses is just as important as
generating income, and typically people have
more control over their discretionary expenses
than their income. Good spending habits are
critical for good personal finance management.
Sir, as a student the common sources of my
After, we know the definition and concept of spending is allotted in food, water, school needs
Spending and common sources of Spending. As like project, and transportation. My money spend
a student, what are the common sources of your in my daily necessities and I spend it wisely in a
spending and how you spend wisely your way of giving priority to my needs over wants to
money? Yes Valeriano can you please answer. budget my money.

Very good Valeriano!

After we discuss the concept of Budgeting and

Spending. Now let’s proceed now in the concept
of Investing and know the common forms of
Investing.

Investing

Investing relates to the purchase of assets that

are expected to generate a rate of return, with
the hope that over time the individual will receive
back more money than they originally invested.
Investing carries risk, and not all assets actually
end up producing a positive rate of return. This is
where we see the relationship between risk and
return.

Common forms of investing include:

• Stocks

• Bonds

• Mutual funds

• Real estate

• Private companies

• Commodities
Sir, my way to invest to get interest is by study
• Art very hard to be able to finish my studying and let
my goals in life can able to reach someday and
become successful person someday.
Class, as a student how can you invest in
a little way to get interest and able to
make profit in your young age? Yes
Santos can you share your thoughts

Okay, thank you for sharing your thoughts

Santos.

Anyone in this class, can you share

answer or thoughts to us.
Sir, I invest in a little way to get interest and able
to make profit by selling what are needs of a
consumer like clothes, shoes and other things
that needs of a consumer.

Very good, thanks for your sharing in how

can you invest in a little way to get interest
and able to make profit in your young age.
E. Generalization

After we know and understand the

concept of Budgeting, Spending, and
Investing. We will make an activity in
creating your Budget plan in order to have
a proper Spending and Investing.

ACTIVITY: MY BUDGET PLAN

TRACKER

You may use this format in making your

Budget plan tracker
*All student make a budget plan tracker and after
doing this they will pass it to their teacher*

After you finish your activity, you may

pass it to me.
F. Application
As a student, I will budget my money wisely in a
As a student, How can you budget your way of having a Budgeting plan to list down all my
money wisely in everyday spending to needs and allotted budget in particular things to
your daily needs to have a investment in a always track my record in budget plan and if I
little own way? have savings or extra money remain in my
budget I will invest it in a way of selling products
like things and food to make more money so that
in my young age I will able to know how to invest
my money wisely.

G. Valuing
Sir, it is important to know and understand my
Why is important to know your needs and needs and wants as a guide to budget my money
wants to budget your money and make and listing down in my Budgeting plan. I will
budgeting plan as a guide in proper spending prioritize my needs over wants in proper spending
your money? my money.

IV. Assignment

1. Make a daily spending plan in a

clean sheet of paper. We will pass
it tommorrow.
2. Read about in basic concept of
Savings and banking.