1ST SEM

AY 2020-2021

A MODULE DEVELOPED BY
Dr. ROLDAN D. ATIENZA

Ed 110- Building and Enhancing New Literacies Across the Curriculum 1

Module I INTRODUCTION TO 21st CENTURY LITERACIES
The term "21st-century skills" is generally used to refer to certain core
competencies such as collaboration, digital literacy, critical thinking, and
problem-solving that advocates believe schools need to teach to help students
thrive in today's world. In a broader sense, however, the idea of what learning in
the 21st century should look like is open to interpretation—and controversy. To
Key get a sense of how views on the subject align—and differ—we recently asked a
Concepts range of education experts to define 21st-century learning from their own
(Overview) perspectives.
One of the ways students can be trained in the new literacies is to engage
them in digital storytelling. They will choose a topic, conduct research, write a
script, develop a story and through the use of multimedia, create something
which can be played online or on a computer.
Intended 1. Define conventional literacy
Learning 2. Expand views of literacy in the 21st century
Outcomes
Content Definition
Literacy is critical in helping us make sense of our world. From the time we wake up to
the time we go to sleep, we are constantly making meaning of the world around us. Literacy has
traditionally been thought of as reading and writing. Although these are essential components of
literacy, today our understanding of literacy encompasses much more. Alberta Education defines
literacy as the ability, confidence and willingness to engage with language to acquire, construct
and communicate meaning in all aspects of daily living. Language is explained as a socially and
culturally constructed system of communication.

*
DILBERT © Scott Adams. Used By permission of ANDREWS MCMEEL SYNDICATION. All rights reserved.

Literacy is usually defined as the ability to read, write, and do math. 

But what do we mean by reading?  People may be able to read the words in a
document, but can they grasp its arguments or analogies?  How about writing? 
Students may be able to write or type sentences, but can they express complete,
cogent thoughts?  Then there’s math.  Workers may be able to
count numbers, but do they know how to analyze graphs,
interpret statistics, or plan budgets?  These are skills needed
to make decisions and function well in daily life.

Miller (1973) divides concept of literacy into three sub-categories:

Basic literacy has been popularly defined as form of abilities to read,

Ed 110- Building and Enhancing New Literacies Across the Curriculum 2
 write, and do basic arithmetic or numeracy. Barton (2006) asserts that the notion of basic
literacy is used for the initial learning of reading and writing which.

Comprehension is the understanding and interpretation of what is read. To be able to accurately

understand written material, children need to be able to (1) decode what they read; (2) make
connections between what they read and what they already know; and (3) think deeply about what
they have read.

Functional literacy refers to the practical skill set needed to read, write, and do math for real-life
purposes, so people can function effectively in their community.  This definition comes from the
United National Educational, Scientific and Cultural Organization, or UNESCO, an international
agency that researches education, science, and communication.

Expanded Views of Literacy

21st Century Literacies Description

The Arts and Creativity
This literacy can be manifested in creative ways of
problem-solving and expressed through the
production of various art works. Teachers and
students need to be more adept in the arts and
manifest creativity in various activities.

Ecoliteracy This entails acquiring knowledge about climate

change, pollution, loss of natural habitats and
biodiversity as well as the impacts of
environmental problems on human lives.
Moreover, solutions on how these environmental
problems could be addressed must also be
practiced. Teachers and students need to develop
awareness of the environment.

Cyberliteracy/Digital Literacy This competency is based on the reality that

Ed 110- Building and Enhancing New Literacies Across the Curriculum 3
 (Information and ICT
Knowledge)
Financial Literacy
societies and workplaces have now become more
information-driven. Workplaces of the 21st
century rely heavily on electronic (digital) forms
of data storage and management as well as in the
area of communications. Teachers and students
need to develop familiarity and skills in the use of
computers, the internet and other information
technologies.
Teachers and students are expected to be
knowledgeable about the basics of economics and
financial management. This way, you as a teacher,
can extend the skill into livelihood activities,
entrepreneurship, and wise handling of personal
finances.

Media Literacy Teachers and students are expected to be

Social/Emotional Literacies
knowledgeable and skilled in the area of
communications particularly the media. Teachers
and students must learn how to discern news and
information based on the form and content as to
how this information are transmitted via various
forms of media.
You and your students need to acquire social skills
that are attuned to the norms of your current
society. Emotional intelligence must also be
developed to be able to effectively manage the
stresses of a fast-paced 21st century society.

Globalization and Multicultural
Literacy
You and your students need to develop a culture of
respect for cultural diversity. There is value in
having a perspective as a global citizen whose
local actions can have an impact on the wider
global arena. You also have to understand how
world events may also affect you and your
community at the local level.

Do you now know more about all the literacies discussed in the table? Do you
already possess these literacies? In the following table, rate yourself according to
the literacies mentioned. Click the circle on the appropriate column that reflects
your perception of your current state corresponding to the literacy.

I have some
I do not My
literacy in
have literacy in
21st Century this area but
this this area
Literacies still need
literacy is well-
improvemen
yet developed
t

Ed 110- Building and Enhancing New Literacies Across the Curriculum 4

 The Arts and
Creativity
Ecoliteracy
Cyberliteracy
Financial
Literacy
Media Literacy
Social/
Emotional
Literacy
Globalization
and
Multicultural
Literacy

Assessmen
t Video Analysis
https://www.youtube.com/watch?v=Da4D43K2ahA

Performance Task
Digital Storytelling Activity
1. Writing
2. Developing a Script
3. Creating a Storyboard
4. Locating Multimedia
5. Creating the Digital Story
6. Sharing and Uploading

Module II GLOBALIZATION AND CULTURAL AND MULTICULTURAL LITERACIES

Globalization and Multicultural Literacy is knowledge

of cultures and languages. We live
in multicultural societies, teach in multicultural settings,
and our students interact with those who come from a
Key different place. Awareness of and sensitivity
Concepts to culturally determined norms promote understanding.
(Overview
)

Intended 1. Understand globalizations and its implications on both the national and
Ed 110- Building and Enhancing New Literacies Across the Curriculum 5
Learning individual level
Outcomes 2. Recognize cultural and multicultural literacy in the Philippines
3. Identify one’s personal level of cultural and multicultural literacy
Content Definition

Globalization is the word used to describe the growing interdependence of

the world's economies, cultures, and populations, brought about by cross-border
trade in goods and services, technology, and flows of investment, people, and
information.

https://www.google.com/search?q=GLOBALIZATION&hl=en-
GB&source=lnms&tbm=isch&sa=X&ved=2ahUKEwiQ4PKLg5jrAhWZed4KHbnoBTUQ_AUoAXoECBcQAw&biw=1366&bih=657#imgrc
=5cYPv-tfC60LiM

An Official Definition of Globalization by the World Health Organization (WHO)

According to WHO, globalization can be defined as “the increased interconnectedness and
interdependence of peoples and countries. It is generally understood to include two inter-related
elements: the opening of international borders to increasingly fast flows of goods, services, finance,
people and ideas; and the changes in institutions and policies at national and international levels that
facilitate or promote such flows.”

What Is Globalization in the Economy?

According to the Committee for Development Policy (a subsidiary body of the United Nations),
from an economic point of view, globalization can be defined as:
“(…) the increasing interdependence of world economies as a result of the growing scale of cross-
border trade of commodities and services, the flow of international capital and the wide and rapid
spread of technologies. It reflects the continuing expansion and mutual integration of market
frontiers (…) and the rapid growing significance of information in all types of productive activities
and marketization are the two major driving forces for economic globalization.”

1. How Do We Make Globalization More Just?

The ability of countries to rise above narrow self-interest has brought
unprecedented economic wealth and plenty of applicable scientific progress.
However, for different reasons, not everyone has been benefiting the same from
globalization and technological change: wealth is unfairly distributed and
economic growth came at huge environmental costs. How can countries rise above
Ed 110- Building and Enhancing New Literacies Across the Curriculum 6
 narrow self-interest and act together or designing fairer societies and a healthier
planet?

How Do We Make Globalization More Just?

According to Christine Lagarde, former President of the International Monetary
Fund, “debates about trade and access to foreign goods are as old as society
itself ” and history tells us that closing borders or protectionism policies are not the
way to go, as many countries doing it have failed.

For some people, this global phenomenon is inherent to human nature. Because of
this, some say globalization begun about 60,000 years ago, at the beginning of
human history. Throughout time, human societies’ exchanging trade has been
growing. Since the old times, different civilizations have developed commercial
trade routes and experienced cultural exchanges. And as well, the migratory
phenomenon has also been contributing to these populational exchanges.
Especially nowadays, since traveling became quicker, more comfortable, and more
affordable.
This phenomenon has continued throughout history, notably through military
conquests and exploration expeditions. But it wasn’t until technological advances
in transportation and communication that globalization speeded up. It was
particularly after the second half of the 20th century that world trades accelerated
in such a dimension and speed that the term “globalization” started to be
commonly used.
Because of trade developments and financial exchanges, we often think of globalization as an
economic and financial phenomenon. Nonetheless, it includes a much wider field than just flowing
of goods, services or capital. Often referred to as the globalization concept map, some examples of
globalization are:

Economic globalization: is the development of trade systems within transnational actors such as
corporations or NGOs;
Financial globalization: can be linked with the rise of a global financial system with international
financial exchanges and monetary exchanges. Stock markets, for instance, are a great example of
the financially connected global world since when one stock market has a decline, it affects other
markets negatively as well as the economy as a whole.
Cultural globalization: refers to the interpenetration of cultures which, as a consequence, means
nations adopt principles, beliefs, and costumes of other nations, losing their unique culture to a
unique, globalized supra-culture;
Political globalization: the development and growing influence of international organizations such
as the UN or WHO means governmental action takes place at an international level. There are other
bodies operating a global level such as NGOs like Doctors without borders or Oxfam;
Sociological globalization: information moves almost in real-time, together with the interconnection
and interdependence of events and their consequences. People move all the time too, mixing and
integrating different societies;
Technological globalization: the phenomenon by which millions of people are interconnected
thanks to the power of the digital world via platforms such as Facebook, Instagram, Skype or
Youtube.
Geographic globalization: is the new organization and hierarchy of different regions of the world
that is constantly changing. Moreover, with transportation and flying made so easy and affordable,
apart from a few countries with demanding visas, it is possible to travel the world without barely
any restrictions;
Ecological globalization: accounts for the idea of considering planet Earth as a single global entity –
Ed 110- Building and Enhancing New Literacies Across the Curriculum 7
 a common good all societies should protect since the weather affects everyone and we are all
protected by the same atmosphere. To this regard, it is often said that the poorest countries that have
been polluting the least will suffer the most from climate change.

https://www.google.com/search?q=cultural+literacy&hl=en-GB&source=lnms&tbm=isch&sa=X&ved=2ahUKEwjv8p3eh5jrAhWh-
GEKHdSrD3wQ_AUoAXoECBMQAw&biw=1366&bih=657#imgrc=x0IBxvaWuAqJGM

Cultural literacy is a term coined by E. D. Hirsch, referring to the ability to understand and
participate fluently in a given culture. Cultural literacy is an analogy to literacy proper (the ability to
read and write letters). A literate reader knows the object-language's alphabet, grammar, and a
sufficient set of vocabulary; a culturally literate person knows a given culture's signs and symbols,
including its language, particular dialectic, stories, entertainment, idioms, idiosyncrasies, and so on.
The culturally literate person is able to talk to and understand others of that culture with fluency,
while the culturally illiterate person fails to understand culturally-conditioned allusions, references
to past events, idiomatic expressions, jokes, names, places, etc.

Cultural literacy is familiarity with and ability to understand the idioms, allusions, and informal
content that create and constitute a dominant culture. From being familiar with street signs to
knowing historical references to understanding the most recent slang, literacy demands interaction
with the culture and reflection of it. Knowledge of a canonical set of literature is not sufficient in
and of itself when engaging with others in a society, as life is interwoven with art, expression,
history, and experience. Cultural literacy requires familiarity with a broad range of general
knowledge and implies the use of that knowledge in the creation of a communal language and
collective knowledge.

Cultural Literacy in the Philippines

The National Commission for the Culture and the Arts (NCAA) is the government
body tasked with the documentation, preservation and dissemination of Philippine
culture, both locally and abroad.

Cultural education – and thus cultural literacy – in the Philippines is quite a

challenge, given that the country’s culture is a complex blend of many indigenous
and colonial cultures and varies widely across regions, and the average citizen is
Ed 110- Building and Enhancing New Literacies Across the Curriculum 8
 almost as ignorant of other Philippine cultures as foreigners are.

Dona Victoriana Syndrome – a kind of integrity complex wherein anything and

everything natively Filipino is considered by the Filipinos themselves as being
inferior, backward and worthless in comparison to other nationality.

Suggested Reading
http://web.nlp.gov.ph/plcon2018/sites/default/files/philippine_culture-
based_education.pdf
PHILIPPINE CULTURE-BASED EDUCATION: RESPONDING TO THE CHALLENGES OF
A NATIONALIST EDUCATION

Multicultural Literacy

Multicultural literacy refers to the skills involved when uncovering bias in regards to culture,
as well as the ability to take different perspectives to gain a more humane perspective. It is
important for students to be multiculturally literate because Canada itself is very multicultural.
Students need to be able to take the perspectives of different cultures to allow themselves to grow
into responsible citizens, who consider other people's opinions. 

Issues in Teaching And Learning Multicultural Literacy in The Philippines

Conflicting requirements for Peace

When all is said and done, the heart of multicultural literacy is peace among
different cultures – that is, productive and non-violent interaction. It is easy to
assume that all cultures value peace to have same degree and are therefore willing
to make the same compromises in order to attain it.

Nationalistic and Regionalistic Pushback

The increasing demand for multicultural sensitivity, inclusion, and diversity in the
recent years has also given rise to resistance from groups who believe that their
identity is being watered down by the needed compromises.

The Persistence of the Problem

Boutte (2008) suggests that issues of discrimination in all forms are really issues of
hatred, which she defines in an educational setting as the lack of compassion and
lack of respect for the rights of others, and that such hatred must be fought and its
roots must be attacked, because for as long as hatred exists in the human mind, real
peace will be impossible. (Vreeland, 2001).

Assessmen Critical Thinking Activity (Performance Task)

t
1. Consider regional discrimination in the Philippines. If a woman speaks Cebuano
in Manila, she is often assumed to be a maid or yaya; if a man speaks Tagalog with
a heavy, provincial accent, he is assumed to be a laborer, driver, or involved in
some form of manual or servile labor. What are your own discriminatory practices?

2. How can you teach multicultural literacy in the classroom?

Ed 110- Building and Enhancing New Literacies Across the Curriculum 9

Module III SOCIAL LITERACY

Key
Concepts
(Overview)

Social literacy means the presence of social skills, knowledge and positive human values that
support ability in human beings to act positively and responsibly in range of complex social
settings and their ability to successfully and deliberately mediate his/her world as family member,
worker, citizen and lifelong learner.

Intended 1. Develop understanding of the working definition of social literacy

Learning 2. Explain the role of parents and teachers in teaching social skills to children
Outcomes 3. Discuss and examine issues in social literacy

Ed 110- Building and Enhancing New Literacies Across the Curriculum 10

Content
Social skills are important because they are
the foundation for having positive
relationships with others with your partners,
friends, and for your career. ... Social
skills allow you to connect with other people
on a level that is important in life so you
can have more in-depth relationships with
others.

Several types of social skills must be

mastered for a child to be socially adept.
These range from the ability to initiate,
maintain, and end a conversation to reading
social signals to more complex skills such as
solving problems and resolving conflict
(Lawson, 2003).

Children with social skills deficits can be

taught these skills directly by parents,
teachers, or professionals using the strategies
of modelling, role-playing, rehearsal and
practice.

1. Greeting. Children develop relationships with peers by interacting with them.

The first step is greeting someone. Greeting others is done not only with words
like hi! or hello but with facial expression, tone of voice, and gestures.

2. Initiating Conversation. In order to carry a conversation, a child must be able

to initiate, maintain and close conversation appropriately. This requires good
listening and attention skills, as well as the ability to take turns for mission
information.

3. Understanding the Listener. Once a conversation is initiated, it has to be

maintained. In order to do that, it is important to understand the audience one is
talking to. A socially adept child quickly and unconsciously identifies and
categorizes his listener, measures what he has planned to say against the
anticipated response of the listener.

4. Empathizing. Empathy is more than perspective taking; it means that one is

able to feel what others are feeling. It allows one to really connect with other
people.

5. Reading Social Cues. Cues are hints and signals that guide us to the next thing
to say or do. Social cues can be verbal or nonverbal.

6. Previewing or Planning. Conversations also require that one previews or

thinks about what effect the words or actions may have on the listener before she
Ed 110- Building and Enhancing New Literacies Across the Curriculum 11
 says or does them. If the impact will be negative, once can adjust what might she
say or do.

The Role of Parents and Teachers in Teaching Social Skills to Children

The students will be asked to attend the CTE’s webinar on September 5, 2020
with the theme: Halina’t Pagibayuhin! Pagmamahal at Pagkalinga sa Pamilyang
Pilipino (HAPAG:4Ps). Link will be shared to the class.

Issues in Teaching Social Literacy

Subjective Standards for Morality

Human Nature

Today’s students have grown up with the internet that they have become
inseparable from their gadgets. Blake (2017) offers helpful reminders to young
professionals in terms of social skills in the modern age.

Assessment Critical Thinking Activity (Performance Task)

Differentiated Instruction (Group Activity)

Situational Awareness in the Workplace

Social Intelligence in Technological Communication
Ed 110- Building and Enhancing New Literacies Across the Curriculum 12
 Social Intelligence in Traditional Communication

Module IV FINANCIAL LITERACY

Key
Concepts
(Overview)

Financial literacy is the ability to understand and properly apply financial management skills.

Effective financial planning, properly managing debt, accurately calculating interest, and
understanding the time value of money are characteristics of being financially literate.

Intended 1. Define financial literacy

Learning 2. Assess level of personal financial literacy using set of standards and questions
Outcomes 3. Characterize financial literacy in the Philippines
Content
Financial literacy is the ability to
understand how money works: how
someone makes, manages and invests it,
and also expends it (especially when one
donates to charity) to help others.
In-depth knowledge of financial literacy
is required to understand how money
works and how it can work for you –
even when you’re sleeping – by investing
in profitable areas like the stock or
money market. To understand money and
how it works, it’s important to
understand common financial literacy principles such as; financial goals,
budgeting, investments, superannuation, contracts and employment models.
Research studies across countries on financial literacy have shown that most
individuals (including entrepreneurs) don’t understand the concept of compound
interest and some consumers don’t actively seek out financial information before
making financial decisions. Most financial consumers lack the ability to choose
and manage a credit card efficiently, and lack of financial literacy education is
responsible for lack of money management skills and financial planning for
Ed 110- Building and Enhancing New Literacies Across the Curriculum 13
 business and retirement.
Most potential retirees lack information about saving and investing for
retirement. Many people fail to plan ahead and they take on financial risks
without realizing it. Problems of debt are severe for a large proportion of the
population because of financial illiteracy. Youth on average are less financially
capable than their elders.
Financial education can benefit consumers of all ages and income levels. For
young adults just beginning their working lives, it can provide basic tools for
budgeting and saving so that expenses and debt can be kept controlled. Financial
education can help families acquire the discipline to save for their own home
and/or for their children’s education. It can help older workers ensure that they
have enough savings for a comfortable retirement by providing them with the
information and skills to make wise investment choices with their individual
pension and savings plans. Financial education can help low-income people
make the most of what they are able to save and help them avoid the high cost
charged for financial transactions by non-financial institutions.
Your level of financial literacy affects your quality of life significantly. It affects
your ability to provide for yourself and family, your attitude to money and
investment, as well as your contribution to your community. Financial literacy
enables people to understand what is needed to achieve a lifestyle that is
financially balanced, sustainable, ethical and responsible. It also helps
entrepreneurs leverage other people’s money for business to generate sales and
profits.
By Christiana Mbazigwe, Duric Business Solutions, Toronto, ON, CYBF mentor

Standards Key Concepts

Earning Income  Income earned or received by people
 Different types of jobs as well as different forms of
income received or earned
 Government programs that affect income
 Types of income and taxes
 Labor market
Buying Goods  Scarcity, choice, opportunity cost
and Services  Comparing the costs and benefits of spending
decisions
 Basics budgeting and planning
 Making a spending decision
 Payment methods, costs, benefits of each
 Budgeting and classification of expenses
 Satisfaction, determinants of demand, costs of
information search, choice of product durability
 The role of government and other institutions in
providing information for consumers
Saving  Concept of saving and interest
Ed 110- Building and Enhancing New Literacies Across the Curriculum 14
  How people save money, where people can save
money, and why people save money
 The role of financial institutions plays as
intermediaries between savers and borrowers
 The role of government agencies such as Federal
Deposit Insurance Corporation (FDIC) plan in
protecting the savings deposits
 Role of markets in determining interest rates
 The mathematics of saving
 The power of compound interest
 Real versus nominal interest rates
 Financial regulators
 The factors determining the value of a person’s
savings over time
 Saving for retirement

The Benefits of Financial Literacy

One’s level of financial literacy affects one’s quality of life significantly. It

determines one’s ability to provide basic needs, attitude toward money and
investment, as well as one’s contribution to the community. Financial literacy
enables people to understand and apply knowledge and skills to achieve a
lifestyle that is financially balanced, sustainable, ethical and responsible.

Increased personal literacy affects one’s financial behavior. These changes in

behavior pay dividends to society as well. People who work, spend, save,
borrow, invest, and manage risk wisely are less likely to require a government
rescue. Financial literacy does not totally eliminate the need for social safety net
because even the most prudent individual can encounter financial difficulties. But
taking responsibility for one’s financial life cultivate proper decision-making
skills and discipline. Most of the responsibility for managing financial matters
rests with the individual. That responsibility is easier for adults to bear when they
have learned the basics of personal finance in their youth.

Financial Literacy in the Philippines

In the article, “State of Financial Education in the Philippines,” Go (2017)

indicated several findings with regard to the state of the country’s financial
literacy which include:
 World Bank study in 2014 estimated 20 million Filipinos saved money
but only half had bank accounts.
 Asian Development Bank (ADB) in 2015 revealed that PH does not have
a national strategy for financial education and literacy.
 In 2015, the Bangko Sentral ng Pilipinas (BSP) released the national
strategy for financial inclusion, stating while institutions strive to broaden
financial services, financial literacy should also complement such
initiatives.
Ed 110- Building and Enhancing New Literacies Across the Curriculum 15
  As per Standards & Poor’s (S&P) Ratings services survey last year, only
25% of the Filipinos are financially literate. About 75 million Filipinos
have no idea about inflation, risk diversification, insurance compound
interest and bank savings.
 Ten years after discovery of the stock market, still less than one percent
of PH population invested in it.
 More than 80% of the working middle class have no formal financial
plan.

Developing Personal Financial Literacy

There are six major characteristics on how people view money (Incharge, 2017).
 Frugal. They seek financial security by living below their means and
saving money. They rarely buy luxurious items; they same money
instead.
 Pleasure. They use money to bring pleasure to themselves and others.
They are more likely to spend than to save. They often live beyond their
means and spend more than they earn.
 Status. Some people use to express their social status. They like to
purchase and show off their branded items.
 Indifference. Some place vey little importance on having money and
would rather grow their own food and craft their own clothes.
 Powerful. Use money to express power or control over others.
 Self-worth. People who spend money for self-worth value how much
they accumulate and tend to judge others based on the amount of money
they have.

Which characteristic closely resembles your attitude towards money? Explain.

_________________________________________________________________
_________________________________________________________________
_________________________________________________________________
_________________________________________________________________
_________________________________________________________________

Setting Financial Goals

Setting short-term, mid-term, and long-term financial goals is an important step

toward becoming financially secure. If you aren’t working toward anything
specific, you’re likely to spend more than you should. You’ll then come up short
when you need money for unexpected bills, not to mention when you want to
retire. You might get stuck in a vicious cycle of credit card debt and feel like you
never have enough cash to get properly insured, leaving you more vulnerable
than you need to be to handle some of life’s major risks.

Please access the link: https://educatorfi.com/setting-financial-goals-worksheet/

To learn more about the importance of setting financial goals and be able to
comply with the worksheets.
Ed 110- Building and Enhancing New Literacies Across the Curriculum 16
 Developing a Spending Plan
Putting your financial goals in writing can make them more concrete and
achievable. However, it's easy for everyday purchases and obligations to get in
the way of saving for the future. One of the best ways to make sure your daily
spending habits don't overwhelm your life goals is to create a spending plan. A
spending plan is not meant to be a strict budget. Instead, it's a guide that will help
you take control of your financial future and, ultimately, reach your goals.

Assessment Critical Thinking Activity (Performance Task)

1. How does your current budget pie look like? Using the following categories,
map your ideal budget plan using a pie chart. You may use more categories as
needed.
 Housing
 Electric bills
 Internet
 Food
 Debt
 Education
 Transportation

2. Interview at least 10 friends, classmates or relatives. Explore their financial

behavior or spending and saving behavior and present data using any of the
following forms:
Infographic
Memes
Cartoon

Ed 110- Building and Enhancing New Literacies Across the Curriculum 17