Republic of the Philippines
Department of Education
Region III
Division of Bulacan
ALEXIS G. SANTOS NATIONAL HIGH SCHOOL
Liciada, Bustos
Name: Mar Florence DC. Sebastian Date: January 16, 2020
Position: Teacher III
REFLECTION GUIDE QUESTIONS
1. Does the Financial Literacy Program give you insights about the difference among investment
fund, insurance policy, pension plan and credit card? If so, to what extent?
-Yes. It gave me ideas on how to better handle my finances in different ways, and how to do it
through investments and insurance policies available in the market through showing different
programs which teachers can avail and where and when to avail them.
2. Are you a risk taker? Would you like to invest/ start a business through savings or loans?
Comment on your choice.
-In terms of finances, I have never tried investing my money on investments or businesses,
but I wanted to explore that area so I can have a sustainable source of income aside from my
salary.
3. How is realistic budget/careful planning to spend money wisely necessary in fruitfully
managing financial life? In what way?
-Budgeting your money for different expenses helps you plan how to spend them, and it gives
you an idea on where your money is going without wondering how they went away.
Moreover, it gives you an understanding on how to better spend your spare money and your
financial outlook for the future.
4. Do you believe that lowering down the level of short term debt increases liquidity? Why?
I never really understood the concept of liquidity because it sounds like a high-level term for
financial managers. But I understand that in terms of loans, the shorter the term, the better you
can manage it.
5. Are savings reduce risk in debt? Victim of fraud? How?
Savings would be helpful for emergency expenses. However, if your expenses are greater
than your means, you wouldn’t really have a place for savings, especially for breadwinners. I
know this would seem like an excuse, but that is the reality. Financial Literacy program really
would help in how teachers handle their finances, but in what is happening nowadays, living
within your means has been a great challenge for most of them.
6. Are opinions of friends and family members important in investing money? If so, why?
If their advice would help you discover what you’re doing wrong, of course it would. But in
terms of Financial Literacy, it would help if you have a financial advisor with you to help
manage your finances, according to the program conducted to us.
7. Would you consider yourself financially literate after FLP? What issue/s you like/ remember
most?
I would say in the minimum, I became aware of the options I have and the plans I need to do.
I remember my co-teachers telling us about their experiences in doing business, and many of
us became inspired by their reflections and advice. Moreover, the talk of the bank manager
helped me explore the value of online accounts and payments.
8. Are you willing to share with your students/ own children, family members gained insights
from FLP? If so, what particular topic/s you interested most to share?
I am already doing it, especially the online payment which can be helpful for paying your
bills. Instead of piling up on payment centers and waiting in line, it is better to use online
payment systems for your financial obligations.
More comments/ feedback:
Thank you, AGSNHS administration for the effort to improve the lives of teachers through
Financial Literacy Programs like these. I hope that the information shared in this activity
assist teachers in how to better manage their salaries and loans, and I hope that through this
program, we realize the hardships of teachers in juggling their salaries because of the amount
of obligations they face, not only in their homes but also in helping their students and the
school, and call for a better pay for them so they would not resort to loans anymore.
MAR FLORENCE DC. SEBASTIAN
Teacher III
