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GROUP 4
Ang aming pabalat ay sumisimbolo sa diwa ng “redefining friendships,” na inilalahad na ang tunay na magkakaibigan ay hindi nakukuha sa mga materialistikong bagay. Ang simpleng pakikisama sa isa’t isa at pagkukwentuhan ay sapat na para maging masaya at makadulot ng mga mahahalagang kaibigan. Katulad ng nasa pabalat na ito, pinapakita nito ang mga mag kakaibigan na masaya na sapagkat sila ay magkakasama, hindi na kinakailangan ng madaming ginagawa upang magpakasaya. Sa mga makukulay at maaliwalas na mga larawan dito, sinisimbolo niya ang tuwa at ang pagiging inosente tulad ng isang bata. Ang pinapadating ng pabalat na ito ay hindi nasusukat sa perang ginagastos, kundi sa mga tawanan, saya, at mga alaala.GROUP 4FILIPINOFILIPINOFILIPINO
GROUP 4ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/AP Amidst crowds and the loudness of the world, financial anxiety seems to cover lands all across the globe. In almost every household, the ponderous question ‘Needs or Wants?’ lingers. While prices rise due to inflation, daily necessities like food, clothing, and shelter remain essential for survival. However, there lies a silent killer—peer pressure spending. In a world curated by feeds and trends, we must prioritize our needs and resist unnecessary spending when socializing with friends by redefining how we spend our time with them. Financial peer pressure can happen at any age and currently happens all across the world. According to TalkLife, it becomes evident when what was once a way to relieve stress quietly turns into the need to keep up with their peers’ spending habits, even if it means stretching their financial limits. Even so, this pressure can go beyond financial responsibility, and develop into lower self-esteem. In relation to this, a survey of university students from the International Journal of Research and Innovation in Social Science reported results showing inverse effects between high peer pressure and lower self-esteem. These results show the desire to fit in may not only affect an individual's decision making but also confidence. In such situations, it is important to surround ourselves with people that show genuine compassion and generosity. An effect from this is being able to practice self discipline and temperance by resisting impulsive buying, making sure we have enough for our daily needs.Friendship as a Luxury
In addition to this, financial peer pressure comes from various factors. The fear of missing out (FOMO) is one of those. As described by the AIA, “The fear of exclusion or missing social activities can drive individuals to spend beyond their means.” This demonstrates how FOMO can focus more on belonging over our financial well-being. Aside from this, social trends not only affects consumer demand but may also drive financial peer pressure. For instance, when an influencer promotes a trending product or a store drops limited editions, its demand tends to spike. Furthermore, these can quickly encourage impulsive buying driven by FOMO. Similarly, in a 2020 article published by Search Engine Watch, Aleh Barysevich cited GlobalWebIndex findings that social media influences 71% of consumer buying decisions, creating a spike in demand. However, from a supplier perspective, an increase in demand may encourage their prices to be directly affected, especially when supply cannot keep up. Although those numbers remain high, trending products are not always a necessity. As peers, we ought to influence stewardship instead by managing our resources. Through prudence and discernment, we recognize personal needs and wants, resulting in more responsible purchases that are beneficial long term. In alignment to this, with integrity we stay true to our financial capabilities, avoiding spending too much in order to gain acceptance. With this we are able to become responsible stewards without promoting financial anxiety. ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/APGROUP 4
On the contrary, people may argue that spending time with friends and family helps maintain their emotional well-being. The article, The Mental Health Benefits of Community Involvement from the Grand Rising Behavioral Health shows that activities fosters a bond and help feel a sense of belonging in a community. Limiting spending money may restrict opportunities for meaningful experiences and social connections. However, we must acknowledge that there is a certain limit to what and how we spend our time. To avoid stress, it is important to know our financial boundaries while maintaining a healthy balance of connections. For example, rather than going to cafés or malls, compromising on a simple picnic or spending time volunteering at shelters nurtures bonds without the need of spending money. Our financial stability should always be towards daily needs rather than wants. Through such activities, we are encouraged to underconsumption and even generosity. Friendships go beyond materialistic forms, and through these connections, we should influence positive commitments in the community. Similarly, From The Abbey, a Catholic education mission, justifies that materialism makes relationships pragmatic, shallow, and short-lived. In Luke 16:9, Jesus mentions that making friends through wealth is improper. By generosity, we can shift the perspective from FOMO to genuine care for others. These acts of kindness and compassion build more trusting and safe relationships where money can practically become obsolete– satisfying the need for a real community through care.GROUP 4 ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/AP
Ultimately, friendship should not be determined by materialistic items, instead by the sincerity of our actions toward each other. As products continue to increase in value, maintaining our financial well-being must remain a priority. Through Christian values, we should evaluate whether a purchase is necessary and learn to resist microtrends, allocating every penny responsibly and following personal budget. After all, the most meaningful memories are not always found in the most expensive experiences, but in the moments of joy, understanding, and company we share with others. Hence, let us distinguish our needs from wants by FOMO and showing care through acts of kindness. By redefining friendships, we can prove that belonging does not come with a price tag—true friendship is a treasure no amount of money can measure.ENGLISH/CLE/ENGLISH/CLE/ GMRC/APGMRC/AP ENGLISH/CLE/ GMRC/APGROUP 4
GROUP 4FILIPINOFILIPINOFILIPINO
GROUP 41. Yin Ling Low Lianah Jolen Comia Leighton Blaire Catapang 1. Yin Ling Low Lianah Jolen Comia Leighton Blaire CatapangGroup MembersGroup Members