Learning Area TLE-HE Grade Level 6

W1 Quarter Fourth Date Week One

I. LESSON TITLE Management of Family Resources
II. MOST ESSENTIAL LEARNING • Identifies family resources and needs (human, materials and nonmaterial)
COMPETENCIES (MELCs) • Enumerates sources of family income.
• Allocates budget for basic and social needs such as; TLE6HE-0b-3
a. food and clothing
b. shelter and education
c. social needs: social and moral obligations (birthdays, baptisms, etc.)
family activities, school affairs, savings/emergency budget (health,
house repair)

III. CONTENT/CORE CONTENT Manages family resources applying of home management

IV. LEARNING PHASES AND LEARNING ACTIVITIES
I. Introduction (Time Frame: 20 minutes)
Is your father and mother working?
Why are your parents working?

We are all part of a family whether big or small. We belong to different types of family however, all of us
are putting effort to live happily.
In this lesson, you will be able to identify the family resources and needs as well as its classifications find out
what are the different sources of family income and what are its different types and learn the art of budgeting
and how to allocate budget for your basic and social needs.

D. Development (Time Frame: 80 minutes)

Family Resources
These includes the things and people that can help the family to sustain their living.
Types of Resources
1. Human Resources
2. Material Resources
3. Non-material Resources
· Time - Proper time management will help in finishing work without giving burden to the person.
· Health - Having good health will enable you to do your work effectively.
· Experience - The more experience a family member has, the more he can contribute to the family
whether being employed in a job or using it in giving services.
Basic Needs
1. Food 4. Clothing
2. Water 5. Education
3. Shelter 6. Health care

Social Needs
These are essential in self-growth of an individual such as appreciation, acceptance, belonging and
companionship.
Sources of Family Income
1. Wage or salary—money earned from services rendered. This is the money paid to the member of the family
who is employed at work.
2. Profit from business and investments—these are dividends from shares of stocks and bonds that add income
for the family. These also include profits made from operating a business.
3. Lease of property—are proceeds from rental of family-owned real estate properties.
4. Pension—is the income of a retired, old, or any member of the family who is covered by pension.
5. Commission and bonus—are additional income that is over and above the regular salary or wage
received as a reward or incentive.
6. Royalty and Copyright—are considered additional income for a family member who has written a book,
composed a song, or invented a thing.
Types of Family Income
1. Money Income - This is an income in form of cash. This includes salary, wage, rent, interest, pension, royalty, etc.
2. Real Income - This is an income in form of assets such as land, goods, farm, home activities, etc.
3. Psychic Income - This is also called as “enjoyment income” or the feeling of satisfaction of the family
because of the proper utilization of money income and real income.

Budget – A plan on how to spend or allocate the money earned by the family during a particular period.
Budgeting – A wise usage of family resources. It includes itemizing the needs of the family and computing how
much money should be allocated to meet such needs.

Components or Elements of Family Budget

1. Food - includes groceries, fruits and vegetables, meat and other things needed in preparing the meal for the
family.
2. Shelter - includes rent, repair, maintenance, and taxes.
3. Clothing - includes uniforms, clothes for different purposes and other accessories.
4. Education - includes tuition fees, allowances, transportation fees as well as school supplies.
5. Utilities – these are paid monthly. It includes electricity, water, telephone, and home cable bills.
6. Household Operations - things needed in the house such as furniture, curtains, and other things to make the
family members comfortable.
7. Medical and Dental Care - these are the expenses for medical and dental appointment and the medical
needs of the family.
8. Rest and Recreation—This refers to activities that provide relaxation and entertainment for the family such as
family outing, watching movies, etc.
9. Savings—this is a separate amount of money that is set aside for emergency purposes or allotted for something
to be bought in the future.
10. Social and Moral Obligations—this is allocating budget for the family who attends personal events like
birthdays, anniversaries, weddings, among others.

Sample Budget Allocation for Different Components

Monthly Family Income: Php 45,000.00
Budget Component Percentage of Amount Allocated
Allocation
Food 35% Php 15,750.00
Utilities 12% 5,400.00
Shelter 15% 6,750.00
Education 13% 5,850.00
Savings 10% 4,500.00

Household Operations 4% 1,800.00

Medical and Dental 4% 1,800.00
Clothing 4% 1,800.00
Rest and Recreation 3% 1,350.00
Total 100% Php 45,000.00

The sample showed the computation of family budget. Remember that the family should decide the
percentage distribution of allocation of each component after considering the different factors enumerated
earlier.
In order to compute the amount to be allocated in each component. Multiply the total amount of family
income by the set percentage.
For example: Total amount of family income = Php 45,000.00
% of food = 35%
Php 45,000.00 X .35 = Php 15, 750.00 - amount allocated for food
IV. LEARNING PHASES AND LEARNING ACTIVITIES

Make sure that upon computing the amount allocated for each component, the sum of all the amount
must be tallied to the family income.

Link: https://images.app.goo.gl/XGM3EEPUFBT5ke4D8
Link: https://images.app.goo.gl/R4oHduakAkY8Xk5SA

Learning Task 1. Write TRUE if the statement is correct. If false, underline the word that makes it incorrect and write
the correct word to make it true. Write your answer on a separate sheet of pad paper.
1. Father and mother can be classified as human resources.
2. Material resources refer to intangible things such as time and experience that help the family to perform
duties and responsibilities.
3. Jewelry is an example of a material resource.
4. Abraham Maslow developed the human’s hierarchy of needs.
5. The feeling of belongingness and acceptance belong to the basic needs of a person.

E. Engagement (Time Frame: 40 minutes)

Learning Task 2 . Interview a parent (A), and a relative (B) about their family budget. Copy the chart with the data collected
in a sheet of paper. Assure them that their names will be held confidentially.

Families Family A Family B

Monthly Income Php Php
EXPENDITURES
· Food
· Housing
· Education
· Services (water, electricity,
telephone, cable, internet)
· Clothing
· Savings
· Recreation

Learning Task 3. Identify what kind of family resources is shown in the following statements. Write HR for human
resources, MR for material resources, and NR for non-material resources. Write your answers on a
separate sheet of pad paper.
1. Angeline saves cash from her weekly allowance to save money in case of emergency.
2. Mang Lito is a skilled carpenter so whenever their house needs repairs, he can do it by himself.
3. Aling Nena is a good cook so she decided to start an eatery business near their house.
4. Proper time management allows Monica to do her duties without hassle.
5. Jane’s family bought television and computer set to be used in her studies at home.

A. Assimilation (Time Frame: 20 minutes)

In this lesson, you learned about the family resources and needs. Family has needs such as Basic Needs
and Social Needs. Managing family resources is very important. From this lesson you can help your family to
manage your family income and you can help them know the basic needs and socials are needs. It is important
that family is helping and supporting each other to be successful in the future.

V. ASSESSMENT (Time Frame: _________)

(Learning Activity Sheets for Enrichment, Remediation, or Assessment to be given on Weeks 3 and 6)
IV. LEARNING PHASES AND LEARNING ACTIVITIES
VI. REFLECTION (Time Frame: 20 minutes)
• Communicate your personal assessment as indicated in the Learner’s Assessment Card.
Personal Assessment on Learner’s Level of Performance
Using the symbols below, choose one which best describes your experience in working on each given
task. Draw it in the column for Level of Performance (LP). Be guided by the descriptions below:
 - I was able to do/perform the task without any difficulty. The task helped me in understanding the target
content/ lesson.
✓ - I was able to do/perform the task. It was quite challenging, but it still helped me in understanding the target
content/lesson.
? – I was not able to do/perform the task. It was extremely difficult. I need additional enrichment activities to
be able to do/perform this task.

Learning Task LP Learning Task LP Learning Task LP

Number 1 Number 2 Number 3

VII. REFERENCES Life Skills Through TLE 6 Textbook

MELC EPP/TLE p.411, PIVOT 4A BOW p. 278)

Prepared by: MELISA O. SILLOS Checked by: ERLITO B. ORLINGA

WILLY V. FRAMY
VIDA T. DELAS ARMAS