Community Learning Center Brgy BELVEDERE

ALTERNATIVE LEARNING SYSTEM (CLC) JAVALERA/BUENAVISTA1 Program A&E PROGRAM

WEEKLY LESSON LOG Learning Facilitator ANA MARIA Z. ANQUILAN Literacy Level Elementary & JHS
Learning Learning Strand
Date Oct.7-11, 2019 Strand 5

I. OBJECTIVES Analyze financial needs effectively

Determine ways to decrease expenses through reuse, recycling, reduction and repair
Understand the importance of saving and identify savings goals
Be aware of the risks associated with debt and strategies to keep out of debt
Know how to do basic record-keeping
Understand the importance of budgeting and develop personal budgets
Be familiar with financial institutions in the Philippines
Be familiar with the process in opening a savings account.

A. Content Sustainable Consumption

Standards/Focus
B. Performance
Standards/ Apply working knowledge, attitudes and life skills as a consumer to promote more sustainable living
Terminal Objectives
C. Learning By the end of the activity, participants will be able to:
Competencies/ ACTIVITIES 1-6
Terminal Objectives a. Identify things they need money for
b. Identify how the things they need money for change as their life situations change
c. Recognize that they need to plan how to get money for the things they need
d. Distinguish between ways to access money, including borrowing, saving, and working to earn money Become more familiar with
workers’ rights and responsibilities based on some provisions of the Labor Code of the Philippines
e. Identify good ways to be financially fit
f. Identify signs that they waste money
g. Identify ways to cut costs through reducing, recycling, repairing, and reusing
h. Have an understanding of the concept of saving
i. Recognize that not only rich people can save
j. Know that they need to save for unexpected events and for specific things that they need
k. Identify their own savings goals, including what they want to save for and how much they want to save
 l. Identify places where they can save
m. Have a clear understanding of the concept of debt
n. Recognize that there are risks of getting into debt
o. List strategies on how to avoid debt
p. Consider and think of the advantages & disadvantages when deciding whether to go into debt
q. Prepare and keep basic personal financial records
r. Do simple analysis and decisions using financial record
s. Prepare and keep basic personal financial records
t. Do simple analysis and decisions using financial record
u. Understand the concept of basic budgeting
v. Prepare a basic balanced budget for themselves
w. Be familiar with several financial institutions in the country
x. Explore several options of places to save money or obtain loan in their localities.
y. Learn how to open a savings account with a local bank or cooperativ
II. CONTENT (Subject Matter) Session 1: Need for Finance Session 3: Saving Session 5: Record-keeping and budgeting
Session 2: Financial Fitness Session 4: Manging Debt Session 6: Exploring Savings and Loans in the Philippines
III. LEARNING RESOURCES MyDev Life Skills Curriculum module
A. References USAID (From the American People)
EDC Learning Transforms lives
Mindanao Youth for Devt. Project “Life Skills” MyDev Life Skills Curriculum
1. Session Guide Pages MyDev Life Skills Module 7
2. Module/Learner’s MyDev Life Skills Module6 (1-49)
Material pages
3. Additional Materials
from Learning
Resources (LR) portal
B. Other Learning
Resources
IV. PROCEDURES

A. Springboard/ A. Discuss Step 1 (Session 1-Activity 1)

Motivation Ask participants to think about the meaning of the proverb found at the beginning of Module 7: “Maging matalino sa paggamit ng
(Establishing a purpose iyong pera upang magkaroon ng sapat na ipon.” (Be wise in using your money to have enough savings). .
for the lesson)
B. Discuss Step 1 (Activity 2)
Ask participants to arm wrestle. Discuss why one beat the other, pointing out that one person might be slightly stronger than the
other as they have more practice working out their arms by carrying heavy things
 C. Discuss Step 1(Activity 3)
Ask participants to give other examples of ways in which they may sometimes waste money.
D. Discuss Step (Activity 4)
Ask participants if they know of examples where people have saved money and, if so, what this was for?
E. Discuss Step(Activity 5)
Now ask participants how much they think they would need to save to be able to afford each of the things they want to save for.
Ask participants how long it might take to save for the things they want.
F. Discuss Step (Activity 6)
Ask participants for examples of other places where people save money when they do not save it at home?
G. Discuss Step(Activity 7)Explain that debt is what you owe someone. You could owe them some of your time to help them to do
something. An example is that you could have promised someone that you would help him/ her to wash clothes or grow food. You
then owe them the time to help with these tasks
H. Discuss Step (Activity 8)
Explain that it is helpful to know how to keep basic financial records so that you know how much you actually have available to
spend and how much you are paying for things.
I. Discuus Step( Activity 9) Explain that a budget is a planning tool that helps you track the money you earn and the money you
spend. Budgeting is the process of planning what you spend so that it is less than what you earn. To be financially fit, the secret to
budgeting is one simple rule: Balance your income and expenses or Keep Money Out less than Money In.

J. Activity (Review of ACTIVITY 1 Games

previous lesson/s or Have learners take the Learners’ Reflection in their Participnat’s Handbook. Explain that this is not a test but is a way to see what they
Presenting the new already know or do not know about the topics
lesson) ACTIVITY 2 Group Activity
Ask them to work together (in pairs or in groups) to make a list of habits of a financially unfit person, and habits of a financially fit person.
Ask learners to share the habits that they discussed
ACTIVITY 3
Read each of the cases below, one at a time, and ask participants if they think these are good ways to spend money or a waste of money.
Why or why not? 1. Paying for transport on a motorcycle when you could have walked. 2. Buying soft drinks when you have enough water
to drink. 3. Buying new clothes when you have enough clothes. 4. Spending all your money on cell phone load to talk with friends.
ACTIVITY 4
"Everyone can save, whatever their income; it is a question of behavior.” What do you think is the meaning of this statement?
ACTIVITY 5 Ask participants to go to Handout 7.2: My Savings Goals in their Handbook. Ask them to choose one thing that they want as
their savings goal and write it down in their Handbook
ACTIVITY 6 Handout 7.3 Background on Savings in the Philippines for relevant context of savings in the Philippines
ACTIVITY 7 Form 5 groups and assign one scenario to each group (using the scenarios you prepared from Facilitator Tool 7.A: ‘Tempted
 to Get into Debt’ Scenarios).
ACTIVITY 8 Divide participants into groups of 3 – 4 people each. Give each group a set of income and expenses that you prepared
ACTIVITY 9 Tell participants that they will be preparing their own personal budgets using their experience, learning and insights they
gained from the previous activity
ACTIVITY 10 Handout 7.6: Background on MicroFinance in the Philippines in their Handbook
K. Analysis (Presenting Activity 1: Why is planning how to get money important and identify things that need money for?
examples/instances of Activity 2: Cite examples good habits to stay financially fit .
the new lesson) Activity 3: Ways to cut costs through reducing, recycling, repairing, and reusing
Activity 4: They need a certain amount of money to cover expenses today and tomorrow and Emphasize that some money
put aside for savings needs to be for unexpected events or emergencies
Activity 5: Explain that they could decide that their goal is to save for their future education, or for a bed, or to buy
something to use to earn income – most importantly, they should start small and make this as realistic as possible. Make
sure that they also write how much they think they will need to save!
Activity 6: which is better - saving money at home or somewhere else, such as in a local cooperative, rural bank or
microfinance bank?
Activity 7: Explain that not all debt is bad. If you can manage debt well, then you can use it to help you in many ways. If you
take the time to think through all your financial decisions (expenses and savings), you can avoid getting into too much debt.
And if you choose to borrow money, you can do so carefully. Managing your debt well is important to being financially fit.
Acitvity 8: Ask groups to divide these into two piles, one for Money In and one for Money Out. What we receive is Money In
or Income and what we use or spend is Money Out or Expenses.
Activity 9: Lead a discussion on how and why budgeting might be useful for the participants to do in real life by asking the
participants with questions.

L. Discussing new ACTIVITY 1

concepts and practicing Explain that we often need these things now but we do not have enough money to pay for them. Ask participants what their options are in
new skills (sub-activity this situation. Ask for real life examples of how people get money to pay for something that they cannot afford immediately.
#1) ACTIVITY 2
Explain that you can usually tell by looking at people whether they are healthy or unhealthy, physically fit or not in shape. But sometimes
people who look healthy can be suffering from diseases that can’t be easily noticed.
ACTIVITY 3
Explain that one of the ways almost everyone wastes money is by not practicing the Four Habits to Cut Costs. Ask learners to to go to
Handout 7.1: Four Habits to Cut Costs in their Participnat’s Handbook.
ACTIVITY 4
Give learners this statement: "Everyone can save, whatever their income; it is a question of behavior.” What do you think is the meaning of
this statement?
ACTIVITY 5
 Explain that they could decide that their goal is to save for their future education, or for a bed, or to buy something to use to earn income –
most importantly, they should start small and make this as realistic as possible. Make sure that they also write how much they think they
will need to save!
ACTIVITY 6
Discuss with learners some savings options. You may refer to Handout 7.3 Background on Savings in the Philippines for relevant context of
savings in the Philippines. But do not review it with learners yet. They can read this Handout on their own time later on.
ACTIVITY 7
Ask them to discuss the following question that you prepared on manila paper: a. How tempting is this reason for getting into debt? b. Is
this a good (wise) or bad (unwise) reason for getting into debt? Why? c. How long will it take you to pay back this debt? d. What could you
do instead? Are there ways to avoid getting into this debt?
ACTIVITY 8
Ask participants to do the record keeping exercise by using the table in Handout 7.7: Basic Record-keeping in their Hanbook, by filling in
the values in each column and calculating the ‘Remaining Money’ as explained in Step 1 above.
ACTIVITY 9
Explain to learners the importance of having a balanced budget – or in other words spending money within their available income or
means.
M. Discussing new concepts
and practicing new skills
(sub-activity #2)
N. Abstraction (Making Discuss and Explain:
generalizations about  Learning is not about getting the cards into a “right” order. What is most important is that participants realize that there are advantages
the lesson) and disadvantages of each way of accessing money, and that these depend on how much is needed, how soon it is needed, what it is
needed for, etc. Have a discussion on this.
 Explain that we cannot know for sure if someone is financially fit or unfit by only looking at him or her. The decisions you make and
things you do or not do will show whether or not you are financially fit.
 Explain that we can all practice good habits to be financially fit and reduce costs, using “The Four R’s”.
 If participants feel it is better to save money at home, provide challenging reasons that demonstrate the insecurity of such action. Ask
participants why it might be a good idea to have money divided in different locations
 Then, distribute each group a set of all the strategies that you prepared on small pieces of paper. Ask them to rank the methods of
getting out of debt by putting the most important method at the top of the list and the least important at the bottom.
 Then ask the learners to list their current expenses during the week starting Monday to Sunday and write them under the Money-out
column with the corresponding amount.
 Explain to learners the importance of having a balanced budget – or in other words spending money within their available income or
means

O. Application Activity 1 Have learners take the Learners’ Reflection in their Participnat’s Handbook
 (Developing mastery) Activity 2 Ask learners to write about their financial habits. Are they financially fit? What bad habits that they have do they plan to avoid to
be financially fit?
Activity 3 Handout 7.1: Four Habits to Cut Costs in their Participnat’s Handbook.
Activity 4 Handout 7.2: My Savings Goals in their Handbook
Activity 5 Ask learners to write in the writing space at the end of Session 3 of Module 7 in their Handbook about “How and where I want to
save my money.”
Activity 6 Distribute each group a set of all the strategies that you prepared on small pieces of paper (from Facilitator Tool 7.B). Ask them to
rank the methods of getting out of debt by putting the most important method at the top of the list and the least important at the bottom.
Activity 7 Explain that it could be helpful for them or their families to record their finances in this way
Activity 8 To be financially fit, the secret to budgeting is one simple rule: Balance your income and expenses or Keep Money Out less than
Money In.
P. Valuing (Finding  They will have different needs as they grow older, with the things they need often becoming more expensive, especially as they start to
practical applications look after themselves and others and have less people looking after them. - They can access money by borrowing, saving, working, or
of concepts and skills in by other means.
daily living )  You can save money by practicing the Four Habits of Saving Money: Reduce, Reuse, Repair, Recycle
 Saving options outside the home are at places such as a local cooperative, rural banks, at a credit union, or in a microfinance bank.
 How do you feel about having more Money In and less Money Out? More Money Out and less Money In?
 Budgeting is the process of planning what you spend so that it is less than what you earn.
 How do you feel about having a ‘Negative’ remaining money or running short of money?

Q. Evaluation (Assessing Answer correctly the Module Assessment Test.

Learning) Read and select the correct answer.
__1. When you need money, which is not a good way to get it:
a. Asking friends or family b. Working c. Saving d. Stealing e. Borrowing
__2. The safest place to save your money is: a. In the bank or savings group b. With a friend
b. In a corner of the home d. Saving is for people who worry too much
__3. You can save money by: a. Turning off lights or lamps in the house b. Walking instead of taking a motorcycle c. Reusing containers
to
carry other things d. Fixing old clothes or shoes e. Using things that people have thrown away to make new things f. All of the above
__4. I should always spend more money than I have because I can just ask others for the extra money. a. True b. False
___5. Places where I can save money or get loans are banks, microfinance institutions, cooperative and savings groups. a. True b. False
R. Agreement (Additional
activities for
application or
remediation)
IV. REMARKS
V. REFLECTION
 A. No. of learners who
earned 80% in the
evaluation
B. No. of learners who
require additional
activities for remediation
C. Did the remedial lessons
work? No. of learners
who have caught up with
the lesson
D. No. of learners who
continue to require
remediation
E. Which of my teaching
strategies worked well?
Why did these work?
F. What difficulties did I
encounter which my
principal or supervisor
can help me solve?
G. What innovation or
localized materials did I
use/discover which I wish
to share with other
teachers?

Prepared by: Ana Maria Z. Anquilan

Mobile Teacher Noted:

MA.CHERINA D. MANALO ARLENE R. CARPIO

PSDS PSDS

MARILYN A. LIMPIADA ROSELLA S. ARELLANO

EPS II-ALS EPS II- ALS
 Community Learning Center
ALTERNATIVE LEARNING (CLC) Brgy BELVEDERE/JAVALERA Program A&E PROGRAM
SYSTEM Learning Facilitator ANA MARIA Z. ANQUILAN Literacy Level Elementary & JHS
WEEKLY LESSON LOG Learning
Date July 11-12, 2019 Strand Learning Strand 1& 5

Week No. 2
I. OBJECTIVES  Identify their values, skills and personal strengths and weaknesses
 Link personal values to their daily lives
  Identify goals
D. Content Standards/Focus Writing, Speaking and Listening
E. Performance Standards/  Make a plan to reach their goals
Terminal Objectives  Appreciate different learning styles and identify different learning strategies

F. Learning Competencies/ By the end of the activity, participants will be able to:
Terminal Objectives ACTIVITIES 5-8
a. Identify long and short term goals
b. Identify the steps needed to reach a goal, possible obstacles and needed resources
c. Review the main topics presented during the session (values, beliefs and qualities; skills & qualities assessment; and goal
setting and action plans)
d. Recognize that our values, interests, skills, qualities and goals in life are interconnected
e. Formulate plan of action using the ways/steps learned from the session that will help them achieve certain goal
f. Recognize that people learn in different ways, using different skills
g. Appreciate different ways of learning new things
h. Link their learning style with strategies on how to learn new skills and information
I. Review the main topics presented during the session (learning style assessment, learning strategies)
g. Apply the knowledge gained to particular situations or scenarios
II. CONTENT (Subject Matter) Session 2 SETTING & ACHIEVING GOALS
SESSION 3: LEARNING NEW SKILLS
III. LEARNING RESOURCES MyDev Life Skills Curriculum module
C. References USAID (From the American People)
EDC Learning Transforms lives
Mindanao Youth for Devt. Project “Life Skills” MyDev Life Skills Curriculum
4. Session Guide Pages MyDev Life Skills Module 1-40
5. Module/Learner’s Material pages MyDev Life Skills Module 1-40
6. Additional Materials from Learning
Resources (LR) portal
D. Other Learning Resources

IV. PROCEDURES
S. Springboard/ Motivation A. Discuss Step 1 (Activity 5)
(Establishing a purpose for the lesson)  Explain to participants that the last session’s activities on identifying values, skills andqualities serve as a foundation for
this session’s activity on setting goals and making plans
 Ask participants to think about the values and skills they have identified from the lastactivity. Ask: How can you apply
these values and skills to your future?
B. Discuss Step 1 (Activity 6)
  . Ask each learner to say ONE thing s/he learned through the activities.
 Emphasize that our values often serve as the foundation, or roots, of our interests and goals and that in order to achieve
our goals it is important to go through the steps covered during the last activity
C. Discuss Step 1 (Activity 7)
 Ask participants to recall previous sessions. Ask them to describe what you need to think about and plan for to achieve
goals (tree illustration). Fill in any missing information. Explain that this session is going to focus on learning – styles of
learning and strategies on how to learn new skills based on one’s learning style.
D. Discuss Step 1 (Activity 8)
 Read the scenario below out loud and have learners think about the approach to learning they might take if they were
the new construction worker.
E. Discuss Step 1 (Activity 9)
 Group the learners into three;
  Task 1 – Paramihan game: Divide the group into (3) small groups. In 1 minute, each group will list on a manila paper
all the topics they have learned in Module 1. When time is up, review will follow. Each group will cross out every same
common correct answer that they have with other groups. The group with the highest number of correct answers left in
their manila paper after reviewing, is the winner.
T. Activity (Review of previous lesson/s or ACTIVITY 5
Presenting the new lesson)  Ask participants to go to the writing space at the end of Session 2 of Module 1 of their Participnat’s Handbook. Ask them
to draw a large tree that includes the roots, trunk,major branches, smaller branches, leaves, flowers and thorns.
ACTIVITY 6
Ask participants to list the main activities that were done during this session in the writign space at the end of Session 2 of
Module 1
ACTIVITY 7
Tell participants they are now going to assess their own learning style to determine the main ways in which they tend to
learn new things. Briefly go over the list of learning styles in Handout 1.5: How Do You Learn Best
ACTIVITY 8
Given your learning style, what strategies will you use to learn all of these new things?
ACTIVITY 9
What process should you use to accomplish this long term goal?
 What steps were suggested for each character in the scenario to reach his/her goal?
U. Analysis (Presenting examples/instances of Activity 5: Explain that the growth of a tree is like the growth and development of a person. The parts of the tree.
the new lesson) Activity 6: Option A - Ask each learner to identify one’s goal. Using the steps in setting and achieving goals, let them write
down the steps which s/he thinks, s/he needs to do in order to achieve such a goal. Ask them to use he writing space at the
end of Session 2 in Modules 1. Learners may add drawings or poems to their essay. Guide
each learner to be able to follow the Steps in Achieving their Goals
Activity 7: After the stand up / sit down exercise, summarize by stressing that: People learn in different ways and often
combine learning styles to be able to
 understand or do something new
Activity 8: Present the qualities and qualities that emphasize for themselves and they are not being given marks or being
rated.
Activity 9: What lessons from the 3 scenarios can you use in your own life? How are values, skills, qualities and people’s
support important in achieving one’s
goal? Give some examples from your own experience.
V. Discussing new concepts and practicing new ACTIVITY 5
skills (sub-activity #1) Once they have prepared their drawings, show the tree in the manila paper that you created as a reminder of what each part
means. Ask participants to label their trees withtheir own information.
ACTIVITY 6
Option B – Give each learner a half sheet of manila paper, glue, scissors, old magazines or newspapers. Ask them to make
a collage using cut-outs from the
materials showing their goals and steps they will take to achieve such goal..
ACTIVITY 8
Ask learners to go to Handout 1.6: Learning My Way in their Participant’s Handbook. Read it together and have them review
and add strategies that they think were not on the list.
ACTIVITY 9
Congratulate participants for finishing Module 1. Explain that they will now take a short assessment to see how much they
learned. Clarify that this assessment is
very important for the Facilitator and for themselves to see what knowledge and skills they know and what they still need to
reinforce.
W. Discussing new concepts and practicing new ACTIVITY 5
skills (sub-activity #2) What were the values and skills they identified in the previous activities? They
can put those near the roots.
Who are the people or what are the places that give them strength?
What are their shortterm goals (in the near future)?
What are the obstacles they think they may encounter?
What kind of resources or people will they need?
What are their longterm goals (in the far away future)?
ACTIVITY 8
Emphasize the importance of the last part of the handout - that it is important to speak up about your learning styles to
others when you are learning something new.
ACTIVITY 9
Give each learner a copy of the End-of-Module Assessment and ask them to answer the questions.
X. Abstraction (Making generalizations about Discuss and Explain:
the lesson)  What steps do I need to take to reach my goal?
 - What abilities and experience do I already have that I can use?
  - By when do I need to achieve each step?
 - What do I need to achieve each step? Skills, capital, people’s support…
DISCUSS ACTIVITY 8
 Tips on how to improve your learning:
Y. Application (Developing mastery) Activity 5
Have a 23 participants share their drawings with the large group.
Ask learners to work in pairs. Tell them to use the information on their own trees andchoose one goal (one per learner). A
goal that they want to achieve in 1 year from now.Explain that it is important to prioritize goals, for example, they may not be
able to
reach all goals in one year.
Activity 8
Pair participants from different learning style groups and have them practice similar statements to those found at the end of
Handout 1.6: Learning My Way so they begin to get comfortable with expressing howthey learn.

Z. Valuing (Finding practical applications of  [When planning for my career or my work in the future, it is important to remmeber and to take into account my qualities,
concepts and skills in daily living ) skills, values, and everything that
makes me as a person. Knowing a skill (how to do something well) is very helpful, but is not enough and it is not the
only think that matters at work. Values and
qualities are also very important.]
AA. Evaluation (Assessing Learning) Circle an answer for each statement.
1. Identify one’s values strengths, challenges opportunities and interests are part of personal development.
a. true
b. false
see page 35-39
BB. Agreement (Additional activities for
application or remediation)
IV. REMARKS
V. REFLECTION

H. No. of learners who earned 80% in the evaluation

I. No. of learners who require additional activities
for remediation
J. Did the remedial lessons work? No. of learners
who have caught up with the lesson
K. No. of learners who continue to require
remediation
L. Which of my teaching strategies worked well?
Why did these work?
M. What difficulties did I encounter which my
principal or supervisor can help me solve?
N. What innovation or localized materials did I
use/discover which I wish to share with other
teachers?