School SSS VILLAGE ELEMENTARY SCHOOL Grade Level SIX –

DAILY
Teacher EVANGELINA A. SABUAD Learning Area TLE
LESSO
Teaching Date Quarter IST QTR.
N PLAN
and Time
I. OBJECTIVES
A. Content Standards Demonstrates an understanding of and skills in managing family resources

B. Performance Standards Manages family resources applying the principles of home management

C. Learning Competencies 1.3Allocates budget for basic and social needs such as:
1.3.1 food and clothing
1.3.2 shelter and education
1.3.3 social needs: social, and moral obligations
(birthdays, baptisms, etc.), family activities, school affairs
1.3.4 savings/emergency budget (health, house, repair)
TLE6HE-Ob-3

1.3 Allocating Budget For Basic And Social Needs Such As:
1.3.1 food and clothing
1.3.2shelter and education
II. CONTENT 1.3.3 social needs: social, and moral obligations
(birthdays, baptisms, etc.), family activities, school affairs
1.3.4 savings/emergency budget (health, house, repair)

III. LEARNING RESOURCES

A. References
1. Teacher’s Guide pages TLE6HE-Ob.1.3
2. Learner’s Materials pages
3. Textbook pages
4. LR Portal Internet
B. Other Learning Resources
IV. PROCEDURES
A. Review previous lesson or What are the sources of income of the family?
presenting the new lesson
B. Establishing a purpose for Budgeting is like dieting: You can’t escape the feelings of deprivation and restriction, but
the lesson you do it anyway because you know it’s good for you. In both cases, it’s tough to find the
formula that’s right, and tougher still to stay on track. Developing percentage guidelines
for your family income is vital to a family budget. This allows you to spend what is
needed without going over the allotted amount that you have set for each category of
expenses. After you have listed your income and variable and fixed expenses, make sure
that the expenses do not exceed the percentage you have set for that category. Some
professionals suggest limiting the necessities to 60 percent of your income.
C. Presenting Present a sample budgeting:
examples/instances of the The Category Average Percentages
new lesson National Average Budget Category Percentages of Net Income
Category Percent of Overall Spending
Housing (mortgage/rent, Real estate taxes) 24%
Utilities (water, power, garbage collection, 8%
Food 14%
Clothing 4%
Medical/Healthcare 6%
Donations/Gifts to Charity 4%
Savings and Insurance 9%
Entertainment and Recreation 5%
Transportation (car payments, gas, service) 14%
Personal/Debt Payments/Misc 12%
D. Discussing new concepts Discuss the lesson well.
and practicing new skills #1
E. Discussing new concepts Explain one by one the different categories and the percent of over-all spending.
and practicing new skills #2
F. Developing mastery
Ask: Do you parents do the budgeting? What category do you think the family has the
most percentage of spending?
G. Finding practical Grouping”
applications of concepts and Have each group dramatize how the family should budget the family’s income.
skills in daily living
H. Making generalizations What is budgeting? Why is it important?
and abstractions about the noun
lesson 1.an estimate, often itemized, of expectedincome and expense for a given period in the
future.
2. a plan of operations based on such an estimate.
3. an itemized allotment of funds, time, etc., for a given period.
4. the total sum of money set aside or needed for a purpose:

I. Evaluating learning
J. Additional activities for
application or remediation
A. 5 A. 5
4 4
3 3
V. REMARKS 2 2
1 1
0 0

VI. REFLECTION
A. 80%
B. Require remediation
C. Caught up with the lesson
D. Continue to require
remediation.
E. Do varied teaching
strategy work? Why?
F. Difficulties

G. Innovation
 School SSS VILLAGE ELEMENTARY SCHOOL Grade Level SIX –
DAILY
Teacher EVANGELINA A. SABUAD Learning Area TLE
LESSO
Teaching Date Quarter IST Quarter
N PLAN
and Time
I. OBJECTIVES
A. Content Standards Demonstrates an understanding of and skills in managing family resources

B. Performance Standards Manages family resources applying the principles of home management

C. Learning Competencies 1.3Allocates budget for basic and social needs such as:
1.3.1 food and clothing
1.3.2 shelter and education
1.3.3 social needs: social, and moral obligations
(birthdays, baptisms, etc.), family activities, school affairs
1.3.4 savings/emergency budget (health, house, repair)
TLE6HE-Ob-3

Allocating Budget For Basic And Social Needs

II. CONTENT
III. LEARNING RESOURCES
A. References
1. Teacher’s Guide pages TLE6HE-Ob.1.3
2. Learner’s Materials pages
3. Textbook pages
4. LR Portal Internet
B. Other Learning Resources
IV. PROCEDURES
A. Review previous lesson or What is proper budgeting?
presenting the new lesson
B. Establishing a purpose for Every person has a unique way of budgeting their income. There are people who spend
the lesson more than their income. Others are wise in budgeting their money, and some are
carefree in spending their money.
C. Presenting Here are some of the best ways you can create a budget you can actually stick to.
examples/instances of the
new lesson
1. First, Know Your Resources
No matter how you are paid (hourly, salary, commission), it is important to make a
projection of your take-home income each month to compare to your budgeted
expenses. Your budgeted expenses should never exceed your income. If you are paid
less than monthly, it’s important to know how long that income is expected to last, and
to have a plan to spread out your resources accordingly.

a. Monthly Needs vs. Wants

These are expenses that you need to survive every month, and should include your cost
of housing, minimum loan payments, utilities, groceries, and other basic needs. As for
the wants, these comprise the part of the budget reserved for the finer things in life—
things that you could live without such as dining out, new furniture, entertainment,
sports, etc.

b. Savings Goals
This is the part of the budget reserved for long-term goals such as setting up
an emergency fund, vacations, buying a new car or house. Because repaying credit card
and student loan debt does not happen overnight, making additional principal payments
towards any debt can also be lumped into the long-term savings goals category. You
should also be setting aside a portion of your budget for retirement savings. This is
especially important if you aren’t making contributions to an employer-sponsored
retirement plan through payroll deductions.

c. Track Your Expenses

Many people actually do have a budget, but not so many are budgeting. Budgeting
includes regularly tracking your expenses and updating your budget as your income and
expenses change. If you aren’t tracking your expenses, how will you know if you’re
achieving your spending goals..
 Second, Don't Forget to Make Your Budget Flexible
You’ve projected your income, broken your expenses into categories, and are tracking
expenses. What happens when you’ve gone over budget? One very important part of
budgeting is making sure your budget is flexible enough to absorb the impact of
overspending in a category (which will happen more than you think). Making your
budget flexible will also help you understand the consequence of each spending
decision. 

Third, Dedicate Time to Track Your Progress

Creating a workable budget includes time budgeting. You should dedicate at least 20
minutes a week to working on your budget. That’s roughly three minutes a day. I take a
half hour out of every Sunday night to update our budget. Carving out the time to track
and update your expenses and income will make sure you keep budgeting, rather than
just have a budget you set and forget.
D. Discussing new concepts Discuss the lesson
and practicing new skills #1
E. Discussing new concepts Ask: What are the factors that need to be considered when budgeting?
and practicing new skills #2
 Size of the family
 Family income
 Kind of work each family member does
 Talents and abilities of each member
 Locality where the family lives

F. Developing mastery
G. Finding practical Aside from what was mentioned, can you think of other factors that need to be
applications of concepts and considered when budgeting? Explain.
skills in daily living
H. Making generalizations What is budgeting?
and abstractions about the Why is it important to know the proper budgeting?
lesson
I. Evaluating learning Give 5 factors that need to be considered when budgeting?
J. Additional activities for If you were to make a personal budget, what would you include? Why?
application or remediation
A. 5 A. 5
4 4
3 3
V. REMARKS 2 2
1 1
0 0

VI. REFLECTION
A. 80%
B. Require remediation
C. Caught up with the lesson
D. Continue to require
remediation.
E. Do varied teaching
strategy work? Why?
F. Difficulties

G. Innovation