HE 6

Week 1
Resources
and Needs
Day 1
The following are family resources.
Draw a if it is a human resource, if it
is a material resource and if it is a
nonmaterial resource. Write your
answer on a separate sheet of paper.
1. water 2. time
3. skills 4. furniture
5. Intelligence
 What do you think is
family resources? And
how we can help our
family in sustaining it?
DIRECTIONS: Read the sentences
carefully and check (✓) If its shows
spending your money wisely and
cross (X) if not.
 
________1. Buy too much food for
a simple celebration.
________2. List the things that are
needed before going to the market.
________3. Allocates budget on the
things that are needed and important.
________4. Be familiar with the store
offering lower prices.
________5. Impulsive buying Is good
Family Resources include anything
tangible or intangible that helps
provide for the needs of its
members. Like any other
resources, these are limited and
family members need to work to
sustain them. There are types of
family resources the human
resources a people who can
contribute their talents, skills and
expertise considered part of the
family’s human resources, material
resources tangible assets such as
house and lot, furniture, jewelry,
automobiles and cash referred to as
material resources, non-material
resources time, health and
experience are also important
because they cannot perform their
duties and responsibilities at home,
school and at work.
DIRECTIONS: Answer the following
with True or False.
_________ 1. Buy large furniture even
if there’s a little room.
_________ 2. Discuss goals and
priority with the family members so that
they will understand and cooperate with
how resources are budgeted and
allocated.
_________3. Family members
should help to stick to the budget
and avoid overspending.
_________4. List all the things you
need to buy before you go to the
market.
_________5. Children should
spend their allowance wisely.
How do you spend
your money as an
allowance
everyday?
You have learned the importance of
Family Resources and how you can
contribute as members of the family.
Types of Family Resources
1. Human Resources
2. Material Resources
3. Non- Material
Resources One of the shared
responsibilities of the members of the
family is to help manage the family
income and resources. You have to
instill to your mind the value of earning
from creating things that can be sold
for a profit, to hones one’s creativity
and resourcefulness as well as
develop positive attitude towards work.
Multiple Choice. Choose
the letter of the best
answer. Write the chosen
letter on a separate sheet
of paper.
 
1. It is all about managing the family
resources so that the needs and
wants of each member is met and
satisfied.
A. Home Management
B. Family Resources
C. Material Resources
D. Time
2. A family resources that includes
tangible or intangible that helps
provide for the needs of its members
A. Human Resources
B. Family Resources
C. Material Resources
D. Non-Material Resources
3. Things required by people to be
able to survive.
A. Social Needs
B. Basic Needs
C. Budgeting
D. Material Resources
4. It helps us feel a sense of
belonging and acceptance.
A. Basic Needs
B. Social Needs
C. Human Resources
D. Material resources
5. Buying some things that’s not
priority is.
A. Wants
B. Needs
C. Money
D. Time
 In your own
opinion, what is the
most
important ,money
or time? Why?
Day 2
1. What can you say about the
picture?
2. Can you identify the family
resources, basic needs and
wants?
3. How do you distinguish
them?
Compare the three families
described in the selection.
 
1. Which family earns the most
income? the least? How did the
family spend their income?
2. Which family has the most
number of members? the least?
Does it affect the family’s
management of resources? Why or
why not?
3. Which family practically spent
most of their expenses? Why do
you say so?
What is Resources?
Resources can be defined as
anything we use to achieve what we
want (our goals) and needs (to
survive). It is classified into three:
human, material, and non-material
resources.
 
1. Human Resources
Capabilities, Intelligence, and Skills.
Every person has his/her unique ability
and intelligence in a way that improves
not only himself or herself but also
others. It is important to identify the
talents and skills that each person has
and utilize them for the common good.
Strength/Energy. The strength of a
person does not only mean having
good health and strong body. It also
means having emotional stability,
mental alertness, having
reasonable commitment and
positive
outlook in life, especially in work
that improves self and society.
Strength is also needed to
accomplish tasks on time in order
to play, entertain and relax with the
family afterwards.
 
2. Material Resources Material
Resources are materials found in
nature that can be used for practical
human purposes that are
considered to have value. Material
Resources include wood from trees,
edible plants that can be used as
food, sand to make glass, metals
extracted out of rocks and chemicals
from plants that can turned into
plastics. Tangible assets such as house
and lot, furniture and appliances,
jewelry, automobiles and cash are
referred to as the family’s material
resources. Every family must invest
wisely in material resources, making
sure that they consider quality,
durability, and appreciation value
when choosing what to purchase.
Real properties and jewelry
increase in value over time while
the value of furniture, appliances
and automobiles depreciate or go
down as they get old and worn out.
3. Nonmaterial Resources
Nonmaterial are intangible resources
such as health, experiences, and
time. Without nonmaterial resources,
family members will be unable to
perform their duties and
responsibilities at home, in school,
and at work.
Family Basic Needs
1. Food. The most important need of
everybody is food. It is the fuel we need
to survive. We need the energy to move
around and live life. This energy comes
from food. It is also an integral part of
the day to day needs of a family. In the
absence of food, survival of human
being is impossible.
2. Shelter. We need house to live in
and protect ourselves from heat of
the sun, storm, wind, etc. It gives us
protection. For a family to survive
and for its members to live in ease,
there should be a house. A family
should have a decent house with
dedicated space for each member,
right down to the pets. For a person
to live daily life and add value to his
community, he must have access to
basic amenities that a house
provides: a kitchen, toilet,
bathroom, etc.
3. Clothing. Clothing is made of
fabric and covers our bodies, keeps
them warm or protects them from
sun, insects, thorns and other
hazards. Clothing is absolutely
necessary for everybody. It protects
our body from geographical location
and other factors determine the type of
clothing that will be appropriate. Thus, a
family must dress accordingly to protect
itself from the elements. It is very
important that every member of a family
dresses appropriately for the weather
and their age.
4. Education. Education teaches us
easy methods to live in various
difficult situations in life. Family and
education have a very close
relationship. The family is the basis
of a good education. The family is
the root of everything, it is where
everything starts, even before
formal education. So, education is
essential to the growth of any
family. Families must be educated
and conscious to raise successful,
intelligent, and creative children.
The family must create favorable
and flexible environment for growth
and development. A Child’s
education starts at home; parents
are their first teachers and they
have a key role in shaping up their
character. A child’s learning scale is
highly related to how they are
treated at home. So, education
must be high on the priority list of
any family.
5. Social Needs. It includes things
such as love, acceptance and
belongingness. The need for
emotional relationship drives human
behavior (friendships, romantic
attachments, family, social groups,
churches and religious organizations).
A. Identify the following pictures
below if it belongs to Human
Resources (HR), Material
Resources (MR) and Nonmaterial
Resources (NR). Write your
answer on a separate sheet of
paper.
Identify the basic needs of a family.
Choose the correct answer from thebox
below. Write your answer on a separate
sheet of paper.
1. It is the most important needs of
our body wherein it fuels our body to
have energy and survive.
2. It includes things such as love,
acceptance and belongingness.
3. It is a fabric that covers our body, keep
it warm or protects it from sun, insects,
thorns and other hazards.
 
4. It is a place where we live in and
protect ourselves from heat of the sun,
storm, and wind.
5. It starts from home and plays an
important role in shaping the
character of every member of the
family.
What is the important
role of family
resources in our
society?
Family is the basic unit of a community.
It is an essential part of the community,
and for it to function properly, it must be
in a good state. The family is the first
school of our life and we learn manners
and customs from it. A family resource
is important to meet specific needs and
wants in order to survive.
Complete the statement below. Fill in
the blanks.
 
There are various family resources
and needs. Family resources may be
classified into three
namely:_____ ,________
and_________ . Capabilities,
intelligences, skills, strengths and
energy of a person refers
the___________ . Tangible materials
found in nature that can be used for
practical human purposes such as
wood from trees are______ . Time,
health and experiences are
intangible resources which are
referred to as_______ . The basic
needs of a family are
______,_______ ,______ ,_______ ,
________ and _________.
Using an old magazine,
newspaper or pictures from
the web make a collage of
the different family
resources. Paste it in a
coupon bond.
Day 3
 What are the three
kinds of resources
needs in the family?
 In the family, who is
the one handling the
budget?
Mr. Cruz work as an agent
of one of the biggest
insurance in the
country.What kind of
income sources does he
had?
SOURCES OF FAMILY INCOME
 
a. Salary
This is the payment made to the
employee for services or work
rendered. It is given
regularly, either every fifteen days
or every week.
b. Profits earned from a
business
A family business is another
common source of family
income. Profit is made by
selling services or goods at a
markup.
c. Commissions, bonuses or
honoraria
Commissions are a common source of
income for those engaged in sales.
Commission is a fee paid to an agent
or salesperson for enabling the sale of
a service or product. Salespeople do
not usually have a large salary; their
commission allows them to earn
significantly higher depending on
the number of sales they make.
Commission is usually computed
as a percentage of the gross
amount of the product
or service sold which is why the
opportunity to earn higher is
possible.
d. Rentals from owned
properties
If a family owns land real estate
property, they can lease it or rent it
out to earn income. For example, a
family may purchase a
condominium unit to have it leased
or rented out.
e. Pension
This is a fixed sum paid regularly to a
person. In most cases, the government
pays a pension to veterans and senior
citizens who have retired and had been
active paying members in a security
fund, such as the Social Security
System (SSS) or the Government
Service Insurance System (GSIS).
f. Dividends from stock
holdings
If a person invests money in
stocks or investments, this
money will earn dividends
payable at certain periods.
g. Savings or interests in
savings
Money in the bank will earn
interest at a minimal amount.
Savings that are invested
in some enterprises can grow
money more, such as in variable
life insurance.
Directions: Underline the human
resources examples inside the box
and write these underlined words in
the space provided below. Write
your answer in your activity sheets.
Directions: Encircle the correct letter
of your choice. Encircle the letter on
the activity sheets provided.
1. It is a payment made to the
employee for services or work
rendered.
a. Salary b. Rental
c. Commission d. Savings
2. It is the money that is received
regularly by an individual, for
providing goods or services,
earnings from labor, business, or
investments.
a. Pension b. Income
c. Real Income d. Money
3. It is the total income earned by all
the members of the household.
a. Real Income b. Money Income
c. Family Income d. Psychic Income

4. It is a source of family income

earned from the leased or rented
property.
a. Pension b. Dividends
c. Rentals d. Profits
A. Identify what the following
statement is referring to. Write your
answer on a separate sheet of paper.
1. It refers to capabilities,
intelligences, skills, strengths and
energy of a person.
2. It refers to time, health and
experiences.
3. These are tangible materials
and they can be found in nature
that can beused for practical
human purposes such as wood
from trees.
 
 
4. Without these, family members
are unable to perform their duties
and responsibilities at home, in
school and at work.
5. Tangible assets such as house
and lot, furniture and appliances,
jewelry, automobiles, and cash
are referred to as .
The money that is received regularly
by an individual, for providing goods
or services, earnings from labor,
business, or investments is called
income. A family could have one or
more sources of income. The total
income earned by all the members
of the household is called family
income.
Directions: Provide the correct
answer of the following in any order.
1. Enumerate at least 5 sources of
family income.
a. __________________
b. __________________
c. __________________
d. __________________
e. __________________
Study the table below. Put a
check on the proper column
for each word that
corresponds to its correct
answer. Write your answer on
a separate sheet of paper.
Day 4
 What are the
sources of family
income?
In the family, who
is the one
handling the
budget?
DIRECTIONS: Write True if the sentence
is correct and False if it is not.
______1. Every able-bodied member of
the family is considered as a human
resource.
______2. Family resources include
anything tangible and intangible that
helps provide for the needs of its
members.
______3. Home management is
part of family life. It is all about
managing the family resources.
______4. Learn to save money is
good example of investment.
______5. Everyone must be aware
if their duties and roles in this
endeavor.
Types of family income
1. Money Income
2. Real Income
3. Psychic Income
1. Money Income is maybe in the
following forms:
Money income which provides
additional comforts enjoyed by the
family.
1.a. Rent of the house and real estate
1.b. Sick Benefits Medical Allowances
1.c. Gift, dividends, securities, royalties,
etc
1.d. Wages Daily, weekly or monthly
wages
1.e. Interest of the capital deposited in
banks
1.f. Projects Profits from investment
either in business or any other sources.
1.g. A monthly salary of all the members
who are doing government or private
services.
1.h. Money from pension received by
retired persons, old age widow and
other
Pensioners
2. Real Income of the family consists of:
2.a. Dairy farming and poultry farming
2.b. Food furnished by a kitchen garden.
2.c. Durable goods and commodities owned
by the family.
2.d. Inherited land property, which yields
crops for the family.
2.e. Kneading, embroidery, tailoring, pickling,
baking, and activities carried out in a home.
2.f. All types of knowledge and services in
household activities provided by the
members of the family.
2.g. Community facilities like parks, markets,
hospitals, roads, schools, colleges,
libraries, dispensaries, fire and police
protection, community entertainments, social
centers, etc. Proper utilization of all these
can increase the real income of the
family.
3. Psychic Income:
This income is the flow of satisfaction
derived by the family from the use of
money income and real income.
Enjoyment income is the other term of
psychic income. It is the experience
over a given period of time by the
proper utilization of money income and
real income.
It is in the form of rewards (as in
prestige, leisure, or pleasant
surroundings) not measurable in
terms of money or goods but serving
as an incentive to work in certain
occupations or situations like a
creative artist can reap a psychic
income that money cannot match.
Directions: Encircle the examples of
types of family income inside the
box.
Directions: Fill - in the diagram below
according to types of family income.
Directions: Encircle the letter of the
correct answer. Write your answer on
youractivity sheets provided.
 
1. What is human resources?
a. It is the monetary form of resources.
b. It is the tangible resources contributed
by the members of the family.
c. It is the handling of employee
relations, payroll, benefits, and
training.
d. It is the contributed service or
work of the family-like time, effort,
skills, strength, and expertise.
2. What family resources can be
enhanced and developed by
attending seminars,
reading, etc?
a. Human Resources
b. Material Resources
c. Non – Material Resources
d. Tangible Resources
3. Which of the following is a
nonmaterial resources?
a. Appliances, jewelry, and cash
b. Time, health and experience
c. Capabilities, intelligence, and
skills
d. House and lot
4. What family resources are in the
form of cash and bank deposits?
a. Tangible resources
b. Intangible Resources
c. Monetary resources
d. Non-monetary resources
5. What is the other term of intangible
resources?
a. Human resources
b. Material resources
c. Salary resources
d. Non-material resources
Give 2 examples of each type of
family income.
Money Income:
a. _____________________
b. _____________________
Real Income:
a. _____________________
b.______________________
Day 5
Summative Test