Essay 1 :- Tips to save your money

As a student, of course you need to budget your daily expenses. I want to share tips with you how to save you pocket money:-

1. Don’t bring your wallet
Its means you don’t bring your wallet in campus area because you will over expend the money if you bring it. If needed, you just bring limited money such as only RM5-RM10 as an emergency.

2. List your expenses
Before you want to buy something, you need to list what you want to expenses. So that, you can make your budget. You also can make this list after your expenses. With that, you can see your expenses and can control you expenses for the next expenses.

3. Deficient converse in phone
Just used SMS if you want to contact your friend. It can save your top-up money. You can call if have emergency. Besides, used the mobile phone to calling with long times is not good because it can give radiations effect to our brain.

4. Fasting
You can fast and it can save your food expenses. If you fasting, you just eat one time differentiate you not fasting where you need to take three or four time to withdraw your money to buy food. Other than that, you can also diet and feel which poor people because not have money to eat.

5. Use already facilities.
If you want to surf internet, you can use the facilities in library and it is a free of charge. You not need to go cyber café to surf internet. You must to use the incentive money just for you food expenses and know how ant to budget the money.

I hope with this tips can helps you how to manage and save you pocket money especially your PTPTN money. Used the money with good and don’t waste the money.