Republic of the Philippines

NUEVA VIZCAYA STATE UNIVERSITY

Bayombong, Nueva Vizcaya

INSTRUCTIONAL MODULE
IM NO.: IM-PROF ED10-2ndSEM-2021-2022
COLLEGE OF TEACHER EDUCATION
Bayombong Campus

DEGREE BSED COURSE NO. Prof Ed 10

PROGRAM
SPECIALIZATION COURSE Building & Enhancing New Literacies Across
TITLE the Curriculum
YEAR LEVEL 3 TIME FRAME 3 hrs. WK NO. IM NO. 4

I. CHAPTER TITLE: The 21st Century Literacies and Skills

II. LESSON TITLE

Lesson 4. Financial literacy
Lesson 5. Cyber/ digital literacy
Lesson 6. Eco-literacy
Lesson 7 . Arts and creativity literacy

III. LESSON OVERVIEW

Although technology is important to literacy in the new century, other dimensions of
learning are essential. Studies of workforce readiness show that employers rate written and oral
communication skills very highly, and collaboration, work ethic, critical thinking, and leadership
all rank higher than proficiency in information technology.

IV. DESIRED LEARNING OUTCOMES

At the end of the lesson, the learner is expected to
a. explain the benefits of being financially literate.
b. expound the importance of creativity in the classroom.

V. LESSON CONTENT

Lesson 4- Financial Literacy

What is Financial Literacy?

Financial literacy is the cognitive understanding of financial components and skills such as
budgeting, investing, borrowing, taxation, and personal financial management. The absence of such
skills is referred to as being financially illiterate.

Fundamental Components of Financial Literacy

Financial literacy consists of several financial components and skills that allow an individual to gain
knowledge regarding the effective management of money and debt.

Below are the fundamental components of financial literacy that should be learned.

1. Budgeting - In budgeting, there are four main uses for money that determine a budget: spending,
investing, saving, and giving away.

In general, a budget should be composed in a way that pays off all existing debt
while
leaving money aside for saving and making beneficial investments.

2. Investing - To become financially literate, an individual must learn about key components in
regards to investing. Some of the components that should be learned to ensure

“In accordance with Section 185, Fair Use of Copyrighted Work of Republic Act 8293, the copyrighted works included in this material may be reproduced for
educational purposes only and not for commercial distribution.”
IM NO.: IM-PROF ED10-2ndSEM-2020-2021
NVSU-FR-ICD-05-00 (081220) Page 1 of 5
 Republic of the Philippines
NUEVA VIZCAYA STATE UNIVERSITY
Bayombong, Nueva Vizcaya

INSTRUCTIONAL MODULE
IM NO.: IM-PROF ED10-2ndSEM-2021-2022
favorable investments are interest rates, price levels, diversification, risk mitigation,
and indexes.

3. Borrowing - In most cases, almost every individual is required to borrow money at one point in
their life. To ensure borrowing is done effectively, an understanding of interest
rates,
compound interest, time value of money, payment periods, and loan structure is
crucial.

If the criteria above are understood sufficiently, an individual’s financial literacy will
increase, which will provide practical borrowing guidelines and reduce long-term
financial stress.

4. Taxation - Gaining knowledge about the different forms of taxation and how they impact an
individual’s net income is crucial for obtaining financial literacy. Whether it be
employment, investment, rental, inheritance, or unexpected, each source of
income
is taxed differently.

Awareness of the different income tax rates permits economic stability and
increases financial performance through income management.
5. Personal Financial Management- The most important criteria, personal financial management,
includes an entire mix of all of the components listed above.

Financial security is ensured by balancing the mix of financial components above

to
solidify and increase investments and savings while reducing borrowing and debt.

Achieving an in-depth knowledge of the financial components discussed above

guarantees an increase in an individual’s financial literacy.

Benefits of Financial Literacy

- Being financially literate is a skill that brings forth an assortment of benefits that can improve the
standard of living for individuals through an increase in financial stability.

Listed below are the assortment of benefits of being financially literate:

- Ability to make better financial decisions

- Effective management of money and debt
- Greater equipped to reach financial goals
- Reduction of expenses through better regulation
- Less financial stress and anxiety
- Increase in ethical decision-making when selecting insurance, loans, investments, and using a
credit card
- Effective creation of a structured budget

Lesson 5 – Cyber/ Digital Literacy

- According to The American Library Association (ALA) , Cyber/Digital Literacy is “ the ability to
use information and communication technologies to find, evaluate, create, and communicate
information, requiring both cognitive and technical skills.”

Why is digital literacy so important?

“In accordance with Section 185, Fair Use of Copyrighted Work of Republic Act 8293, the copyrighted works included in this material may be reproduced for
educational purposes only and not for commercial distribution.”
IM NO.: IM-PROF ED10-2ndSEM-2020-2021
NVSU-FR-ICD-05-00 (081220) Page 2 of 5
 Republic of the Philippines
NUEVA VIZCAYA STATE UNIVERSITY
Bayombong, Nueva Vizcaya

INSTRUCTIONAL MODULE
IM NO.: IM-PROF ED10-2ndSEM-2021-2022
- School leaders, media specialists, and educators are focusing more and more on the benefits of
digital literacy skills in schools because today’s students are looking to the Internet as a key
source of information. Students who are digitally literate know how to find and consume digital
content. They know how to create, communicate, and share digital content.

- Students who are building digital literacy skills understand the basics of Internet safety such as
creating strong passwords, understanding and using privacy settings, and knowing what to
share or not on social media. They understand the perils of cyberbullying and seek to stop
current bullies and prevent others from cyberbullying.

- In today’s digital world, nearly every career requires digital communication at some point, so
equipping students with the skills to effectively and responsibly find, evaluate, communicate,
and share online content is key to their futures. But the benefits of teaching your students digital
literacy skills begin in the classroom right now.

5 Benefits of Digital Literacy:

1. Digital literacy boosts student engagement.
2. Digital literacy improves academic performance
3. Digital literacy helps students stand out from 3. their competition in the job market
4. Digital literacy makes your school more 4. competitive.
5. Driving digital literacy is easier than you think.

Lesson 6. Eco-literacy

What isEco-literacy, and why is it important?

Ecological literacy (also referred to as ecoliteracy) is the ability to understand the natural systems
that make life on earth possible.

The survival of humanity depends upon our ecological literacy – our ability to understand the basic
principles of a connected Nature and how to live accordingly. This means that ecological literacy must
become a critical skill for all humans to embrace if we are to remain on Earth.

Ecological literacy is important for our kids because if we lose nature, we will be lost too. Each
living creature on the planet can't survive without water and food and this is something that our kids
must learn from childhood. ... A good ecological literacy is something that is a must for every person in
the world.

Ecological literacy involves applying a way of thinking that emphasizes relationships,

connectedness and context. For example, we can only understand a songbird by exploring both its own
characteristics as well as its interactions with the watershed where it lives.

Lesson 7 . Arts and Creativity Literacy

Artistic literacy is the knowledge and understanding required to participate. authentically in the arts.
While individuals can learn about dance, media, music, theatre, and visual arts through reading print
texts, artistic literacy requires that they.
Arts literacies help students develop design-thinking, creativity and critical thinking—all skills said to
be important for the future workforce. Artistic practices intrinsically involve the reception-production of
“signs” in a continuous process of “translation” from one 'language' to another.

Here are 5 easy ways to bring literacy into your art classroom today.
- Use Exit Slips
- Curate an Art Book Library
- Have Students Do Sequence Writing

“In accordance with Section 185, Fair Use of Copyrighted Work of Republic Act 8293, the copyrighted works included in this material may be reproduced for
educational purposes only and not for commercial distribution.”
IM NO.: IM-PROF ED10-2ndSEM-2020-2021
NVSU-FR-ICD-05-00 (081220) Page 3 of 5
 Republic of the Philippines
NUEVA VIZCAYA STATE UNIVERSITY
Bayombong, Nueva Vizcaya

INSTRUCTIONAL MODULE
IM NO.: IM-PROF ED10-2ndSEM-2021-2022
- Assign Artist Statements
- Incorporate Storytelling

VI. LEARNING ACTIVITIES ( 35 pts)

Activity 1. What are the benefits of being financially literate? ( 10 pts)

Activity 2. Choose 5 benefits of creativity and expound. ( 5 pts.each=25 pts.)

VII. ASSIGNMENT

VIII. EVALUATION
(Your activities will serve as your evaluation)

VII. REFERENCES

https://www.investopedia.com › ... › Financial Plannin

https://www.aare.edu.au › blog › tag=arts-based-teaching

“In accordance with Section 185, Fair Use of Copyrighted Work of Republic Act 8293, the copyrighted works included in this material may be reproduced for
educational purposes only and not for commercial distribution.”
IM NO.: IM-PROF ED10-2ndSEM-2020-2021
NVSU-FR-ICD-05-00 (081220) Page 4 of 5
 Republic of the Philippines
NUEVA VIZCAYA STATE UNIVERSITY
Bayombong, Nueva Vizcaya

INSTRUCTIONAL MODULE
IM NO.: IM-PROF ED10-2ndSEM-2021-2022

“In accordance with Section 185, Fair Use of Copyrighted Work of Republic Act 8293, the copyrighted works included in this material may be reproduced for
educational purposes only and not for commercial distribution.”
IM NO.: IM-PROF ED10-2ndSEM-2020-2021
NVSU-FR-ICD-05-00 (081220) Page 5 of 5