Subjects Sobre Singko
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TLE with ICT 6 · 2nd Term Exam · for Cara

Sobre Singko

Your handout says the smartest way to handle a budget is to put the money for each expense in its own envelope. So this reviewer is five envelopes, one for each topic on your pointers, in the same order. Open each one, read the letter inside, and answer the checks to earn its stamp.

Then open the Sealed Envelope: a full 50-point practice exam in the same two test types as the real one.

5 envelopes50 pointsMultiple ChoiceModified True or False
Open the first envelope →

From your graded quizzes

  1. Quiz 1, no. 1: ability is the human resource. Money is nonhuman. Envelope 1 drills this.
  2. Quiz 1, no. 2 says time is a nonhuman resource. Many pupils guess the other way.
  3. Quiz 1, no. 3: finishing school is a long-term goal. Buying food or a dress is short-term.
  4. Quiz 1, no. 8: money from a job is a salary. Profit comes from a business.
  5. Quiz 2 was a perfect 20/20. One small thing: 30% of ₱50,000 is ₱15,000, and your paper said 150000. Count the zeros on the exam.
ENVELOPE 01 · TLEHandout pp. 1–2 · Quiz 1, nos. 1–8

Family Resources

Your family has money, a house and a TV. But Papa’s cooking skill and your patience are resources too. Which ones live inside a person?

Your handout pages 1 and 2 were not in the photos, so this envelope is built from Quiz 1, nos. 1–8 and the standard Grade 6 TLE lesson. If Ma’am’s handout gives other examples, go with the handout.
Human resourcesNonhuman resources
Found in a personFound outside the person
Skills and abilitiesTime
KnowledgeMoney (income)
AttitudeMaterial things: house, appliances, furniture
TalentCommunity resources: roads, parks, schools
EnergyNatural resources: sunlight, water
Sealed · Envelope 01 stamp earned
ENVELOPE 02 · TLETLE handout pp. 3–4

Planning a Family Budget

Two families both earn ₱30,000. One runs out by the 20th; the other still has savings. The difference is a plan written before the money is spent.

Importance of a budget

  1. It balances your income and expenditures. Spend more than you earn and you end up in debt; earn more than you spend and you have savings.
  2. It gives a feeling of comfort and satisfaction, knowing your income is enough to cover the family’s expenses.
  3. It lets the family list its needs and wants and prioritize the needs over the wants.
  4. It gives the family a fuller, better life, knowing the needs are satisfied first.
  5. It reminds you that you are in control of the family finances, reducing worries, tension and stress.

Types of spending

Components of a family budget

#ComponentIncludes
1Foodthe top priority in the household budget
2Shelter and related needsrentals, bills, services that give comfort at home
3Educationtuition fees, books, school supplies, allowances
4Health needsmedicines, hospitalization, vitamins, vaccines, dental exams
5Clothinguniforms, casual attire; children outgrow clothes
6Transportation & misc.fare, car maintenance, gasoline, taxes, insurance, appliances
7Social and recreationalfamily gatherings, picnics, malls, movies, parties
8Contingency fundsavings and investments for family goals and emergency cases

Factors affecting the family budget

Steps in preparing a budget

  1. Know your income or allowance for a definite period: twice a month, weekly, or monthly.
  2. Make a list of expenses, classified as fixed, non-fixed, flexible, and occasional & emergency (table below).
  3. Determine the amount to be spent on each expense and on all the expenses.
  4. Check the figures to find out if you are spending the right amount where you need to.
  5. Check if the total expenses balance with your income. Analyze if you are overspending or need to adjust.
Kind of expenseWhat it meansExamples
A. Fixedset aside regularly for daily expensesfood, transportation, allowances, tuition, rentals
B. Non-fixednot the same amount every timecar maintenance, gas, house repairs, groceries
C. Flexiblecan be increased or decreased depending on the money availablerecreation, gifts, contributions
D. Occasional & emergencya form of savings for special occasions and emergencieshealth and medical, birthdays, fiestas, visiting a relative
Sealed · Envelope 02 stamp earned
ENVELOPE 03 · TLETLE handout pp. 4–6 · Quiz 2, Part II

Allocation of Family Budget

₱30,000 comes in. Nine envelopes are waiting. How much goes in each one, and how do you know it all adds up?

Sample family budget · income ₱30,000 · family of 3

Item of expenditure% AllotmentEquivalent
Rent15%₱4,500
Utilities / bills (water, electricity, internet)10%₱3,000
Transportation10%₱3,000
Food30%₱9,000
Education (tuition, allowances)10%₱3,000
Miscellaneous (home maintenance, toiletries, laundry)5%₱1,500
Clothing3%₱900
Social and recreational needs5%₱1,500
Health needs5%₱1,500
Total expenses93%₱27,900
Savings7%₱2,100
100%₱30,000
Expense = Income × Percentage Allotment
Food = ₱30,000 × .30 = ₱9,000

Percentage Allotment = Amount Given × 100 ÷ Income
Food = ₱9,000 × 100 ÷ ₱30,000 = 30%

Methods of handling a budget

  1. Have separate envelopes for your intended expenses: electricity, water, telephone, cable, school allowances. Keep them in a safe place and do not touch them unless needed.
  2. Keep a list of what to buy before shopping.
  3. Bring the amount you plan to spend, plus extra money of about 10 to 20 percent more than the total.
  4. Stick to your list. Follow the quantity and cost; adjust only if prices change.
  5. Buy your needs first before anything else.
  6. Remind children, if they are with you, that there is no budget for things not on the list.
  7. Small treats for the children may be given after buying everything on the list.

Practice: Quiz 2 style table

Income ₱20,000, family of 4. Fill in the five blanks, then tap CHECK. Type pesos as plain numbers (2000) and percents with or without the % sign.

Item of expenditure% AllotmentEquivalent
Rent10%
Utilities / bills10%₱2,000
Transportation8%₱1,600
Food30%
Education₱3,000
Miscellaneous7%₱1,400
Clothing5%₱1,000
Social and recreational5%₱1,000
Health needs5%₱1,000
Total expenses95%
Savings₱1,000
100%₱20,000
    Sealed · Envelope 03 stamp earned
    ENVELOPE 04 · TLETLE handout pp. 6–7

    Planning Meals

    The food envelope is the fattest one, 30% of the whole budget. Three guides tell you how to spend it well: a pyramid, a plate, and three magic words.

    Guides in planning family meals

    1. Use the food pyramid, MyPlate template, and/or the basic food groups to decide what to prepare and how much.
    2. Follow the meal pattern for breakfast, lunch and supper to make sure each meal is balanced and adequate.
    3. Consider the food budget to know what and how much to buy.
    4. Know how to buy wisely to get the best value for your money.

    The Food Pyramid

    The general guide for all Filipinos of all ages and genders, prescribed by the Food and Nutrition Research Institute (FNRI) of the Department of Science and Technology (DOST).

    Fat, oil, sugar, sweets10%
    Meat, fish, milk, eggs15%
    Fruits20%
    Vegetables25%
    Bread, cereals, pasta30%

    MyPlate template

    An easy guide on what to eat and how much to eat.

    • Fill half of the plate with fruits and vegetables.
    • Fill a quarter of your plate with protein. A palm-sized amount at lunch and dinner is enough.
    • Drink milk and have other dairy products (3 servings a day).
    • Drink plenty of water.
    • The plate picture also shows: eat mostly whole grains; eat fruits of all colors, and choose fruit over juice.

    The three basic food groups

    GroupWhat it doesFoods
    Go Foodsenergy-givingrice, camote, potato, cereals, bread
    Grow Foodsbody-buildingmeat, fish, poultry, dairy, egg, peanut, beans, milk, cheese
    Glow Foodsbody-regulatingfruits, vegetables
    Sealed · Envelope 04 stamp earned
    ENVELOPE 05 · ICTICT handout pp. 1–2 · Quiz 2, Part I

    Features of Microsoft Word

    Every envelope needs a letter. This is the program you write it in, and every button on its screen has a name your exam will ask for.

    Six features of a word processor

    FeatureWhat it lets you do
    Text manipulationtype, insert, cut and copy text; move text from one file to another
    Font specificationschoose fonts and font sizes; highlight, italicize, bold, underline
    Page layoutpage size, margins, indentations, columns; headers, footers, page numbers
    Graphicsadd photos, videos, illustrations; bullets, numbers, tables, graphs, charts
    Spelling and grammar assistancemost grammatical mistakes underlined in red; sentences needing more coherence underlined in blue
    Collaboration toolswork on a project together; track changes, comments, file histories

    Examples of word processing software

    SoftwareRemember this
    Microsoft Wordmade by Microsoft; used by students and teachers; works online and offline
    Google Docsmade by Google; online and free; extensions like spell-checking and collaboration tools
    iPagesexclusive for macOS users; reports, letters, posters, newsletters; premade templates
    OpenOffice Writerpart of OpenOffice, a free office suite like Microsoft 365, with a word processor, spreadsheet and presentations

    How to use Microsoft Word

    1. On your desktop, click the Start menu at the bottom corner.
    2. Look for the Microsoft Word program in the All Programs tab.
    3. Click the program and wait for it to open.
    4. A blank page appears. Start typing. At the top are options to change your font, font size and other tools.
    5. When finished, click File, then Save As. Pick a folder, type the file name, then save.

    Parts of the Microsoft Word window

    Quick Access Save · UndoLiham kay Lola.docx – Word Title Bar
    TabsFileHomeInsertDesignLayout
    RibbonOutfit ▾12BIU≡↘← dialog box launcher
    Ruler 1 · 2 · 3 · 4 · 5
    Document Area
    Dear Lola, thank you for the baon money. I put it in my savings envelope ← cursor
    SCROLL BAR
    Status Bar Page 1 of 1 · 18 words− ▬●▬ + 100% Zoom
    PartFunction
    Title Barshows the name of the document and Microsoft Word
    Quick Access Toolbarquick access to common commands like Save and Undo
    File Tabopens options such as New, Open, Save, Print and Close
    Ribboncontains the tools and commands used to create and edit documents
    Tabsorganize commands into groups such as Home, Insert and Design
    Home Tabcommon formatting tools: font, size, bold, italic, alignment
    Insert Tabadd items such as pictures and tables (Quiz 2, no. 5)
    Dialog Box Launcheropens a dialog box with more options and settings for that group
    Document Areathe space where you type and edit your work
    Cursorshows where the next letter or word will appear when you type
    Rulerhelps set margins, indents and the position of text
    Scroll Barlets you move up, down, left or right in a document
    Status Barshows information like the page number and word count
    Zoom Controlmakes the document appear larger or smaller on the screen
    Sealed · Envelope 05 stamp earned
    The dress rehearsal

    The Sealed Envelope

    Two parts, the same as your pointers: Multiple Choice, then Modified True or False. 50 points, all five topics mixed the way the real test will mix them.

    Part I · Multiple Choice

    Choose the letter of the correct answer. 30 points.

    Part II · Modified True or False

    Tap TRUE if the statement is correct. If it is false, tap FALSE and type the word or phrase that should replace the underlined part. A false item counts only with the right replacement. 20 points. (On Quiz 2 Ma’am used R and W; the exam may say True and False.)

    Your mail count
    0 / 50
    Little Helper

    Screenshot this for Mama or Papa. Then run it again in two or three days; the second run is the one that makes it stick.

    Night-before letter

    All 14 tricks, word for word. Read it once tonight and once at breakfast.
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      Sobre Singko · TLE with ICT 6, 2nd Term · made for Cara