HELE

These should be used not only to improve oneself but also other people.

• Energy

• knowledge/abilities/skills

• Attitudes

• Time

this is the capability to do work.

• Energy

• knowledge/abilities/skills

• Attitudes

• Time

these include ideas, opinions, and feelings toward something. A positive outlook towards work is important in the success of one’s undertakings.

• Energy

• knowledge/abilities/skills

• Attitudes

• Time

the period needed to accomplish something.

• Energy

• knowledge/abilities/skills

• Attitudes

• Time

used to acquire the needed services, goods, and mechanical power.

• Money

• Time

• Energy

• Attitudes

these are food items, appliances, furniture, tools, and equipment owned by a family.

• goods and properties

• community facilities

these are roads, public schools, health center, government hospitals, and others available to the family.

• goods and properties

• community facilities

these are the daily basic needs such as food, clothing, transportations and others.

• Spending for a comfortable way of life

• Spending for savings

• Spending for major purchases

• Splurge spending

spending for fun and satisfaction.

• Spending for a comfortable way of life

• Spending for savings

• Spending for major purchases

• Splurge spending

these are the expenses that need big cash like buying appliances, furniture, or maybe jewelry. This may be done by

saving enough money first before buying.

• Spending for a comfortable way of life

• Spending for savings

• Spending for major purchases

• Splurge spending