# data[].attributes.body
Type of hook:
Rhetorical Question

Hook:
How the high cost of living does affects us in nowadays? Do you think it is difficult to manage your finances?

Background:
In today’s economy, consumers are faced with problems of high cost living. Consumers include students and the problems they face are quite serious. Student which study board will face the cost of housing, meals, supplies, transportation, and textbooks. Add to that tuition costs are rising at alarmingly high rates. In addition, due to the implementation of GST, the prices of most technologies such as mobile phones, laptops and computers will increase.

Students also lack knowledge of financial management. The main reason is they often have no plan for how to use their money and not determine “Wants” and “Need”. It is important to determine wants versus needs will help especially college students avoid impulse purchases and overspending.

Thesis:
In order to manage our financial situation like a student, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Hook:
There are differences between the ways each student manages his or her money, finance and allowance.

Background information linking hook to these:
Different students have their different lifestyle. If a student can manage their very well, in the end they can save a lot of money. As a student, they are responsible to spend their money in the right way.

Thesis:
In order to manage our finances well as students, we need have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Type of Hook:
Quotation

Hook:
Dave Ramsey, an American businessman, states that "you must gain control over your money or the lack of it will forever control you."

Background Information:
Dave Ramsey provided many financial advice on ways to manage our money that can allow us to cope every increasing living expenses. The high cost of living is due to the insufficiency of resources, causing the prices of good quality products to be very costly. In educational institutions, many students still rely on their parents for living expenses and pay for hostel fees and tuition fees.

Thesis:
Therefore, as students, we need to have a budget, spend wisely and build on our savings in order to manage our finances well.

# data[].attributes.body
Indrani Arumugam (1171101972)

Type of Hook:
Narration

Hook:
During Jame's high school life, he was addicted in online games and often spend too much money which borrow from his parents to buy game points.Until one day, his father pissed-off and stopped give him pocket money.From that moment, he realized how value the money was and started doing part time job to earn money for his university enrollment.This situation explain that it is not easy to manage money especially, as a university independent adult.

Background information:
The cost of living that is rapidly increasing compared to the income of individual brings many problems to the society.According to recent research reported by the Malaysian Insider, a national crisis in the cost of living is having disastrous effects on students, some of whom feel obligated to send part if their stipend home to support their families.Managing finances can be tricky for young adults.

Thesis:
So that, in order to manage our finance well as students, we need a budget , spend wisely , and build on our savings

# data[].attributes.body
Type of hook : Rhetorical Questions

Hook : Do you think nowadays university students have enough savings to spend? Do you have proper way to manage your savings?

Background : Recently, students do not have proper way to manage their money. They spend their money into unnecessary stuff such as luxury products. Here are a few ways to solve this issue.

Thesis Statement: In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Type of hook : Startling information
Hook:
Ten years ago, one could buy a handful of things with just a RM50 note. Fast forward ten years later you cannot get similar amount of items with the same amount of money back in the early days.

Background:
One could argue that lots of factors come into play for the every rising living expenses. There is inflation happening around these years and the implementing of the Goods and Service tax undoubtedly increase the burden of the citizens, especially students. Some students will have to get a part time job just to afford to pay off their tuition fee.

Thesis:
As a student, I have learned how to manage my finances well. In order to ensure my allowances last a solid month, I learned to set a budget, spend wisely and save as much money as I can.

# data[].attributes.body
Type of hook: Startling Information
Hook:
Based on a survey that conducted with 50 students in Multimedia University, nearly 75 percent of students admitted that they do not manage their funds and finance properly. It can cause a lot of financial issues and troubles to a student.

Background:
For example, the student often running out of money during the end of the month because of their recklessness. Since nowadays our living cost has been increasing and it is inevitable,this does a lot of pressure to students. They are no longer can afford to spend more money on unnecessary stuff. This situation has taken control over their mind, and will cause them to behave negatively such as stealing and robbering money. So, we need to manage our savings since we are young. In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Lai Yan Bo (1171102073)

Type of hook:
Startling information

Hook:
Recently, majority of people are having common problem with the high living cost. This issue has caused many families to have financial problem.

Background:
The cost of living has been increasing tremendously due to the introduction of GST which was implemented by our government. GST has affected the living cost of the consumers by adding 6% to the price of the products they brought, It seems like a small thing for the wealth but it is a big deal for those who are still studying. With their tuition fees and daily expenditures still yet to come, the implementation of GST has the students no choice but to do part-time job. Although with the income of the left part-time job and help from the family members. Students nowadays are still not capable of leading an easy life because they are lack of experience in managing their own financial problem. Due to this, they have to make a list for things that they wanted to buy and do not waste money on things that are not necessary.

Thesis:
In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Chia Jia Huey (1171101051)
Khong Fan Yi (1171101412)

Type of Hook used
Rhetorical Question

Hook:
Isn’t it ironic that students are already struggling to pay for their higher education to make a better living in the future while high cost of living is burdening them even more?

Background information:
-Some students use the money given by their parents and finish spending it quickly because of the high living expenses.
-This is an example of students who don’t have a habit for saving and spending money wisely.
-When students are stuck in this sticky situation, some measures can be taken to resolve it.
-It is not difficult for students to keep their finances in check if they develop a good habit.

Thesis:
In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
(Thin)
Type of Hook
Rhetorical Question

Hook:
Do you think that cost of living are increasing ? Do you think that money you earn can buy everything you wanted ?

(Zulfadhli)
Background:
The cost living are increasing day by day due to the political issue and economic problem. The tax set by the government  affect the price of the daily products especially students. For example, the new GST tax set by the Malaysian government has increase every products prices. The higher the price of the product, the higher tax charged to the buyer. This can lead to the daily financial problem.

Thesis: In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Leong Boon Sheng(1171101518)

Type of hook: Startling information

Hook: Recently, the cost of living has risen to the point where some part of the community has been forced to take loan from banks.

Background information linking hook to thesis: The recent addition of GST in Malaysia has caused the cost of living to increase up to 6% and this has caused some issues to many people especially to the students whom may have problem financing their studies. Most students that are studying in college or university are forced to have a part time job to support their studies and to earn some pocket money due to the high cost of living.

# data[].attributes.body
(Ivan)
Type of Hook:
Rhetorical Question

Hook:
Since high cost of living has invaded our life, are you ready to face a tougher life now?

Background:
The increasing of the commodity price and services have affected  people's life a lot, they have to change and adjust their lifestyle in order to fit the new scene of the world, especially for salaried class and students. For students who majority are jobless and economically rely on parents, they are facing the problem directly and they have to take some actions to cope with their ever increasing living expenses.

Thesis:
For manage our finances well as students, we need to have budget, spend wisely and build on our saving.

(Brendan)
Type of Hook:
Starting Information

Hook:
Ever since we human learnt how to start fire, we human have gain the knowledge to use tools. And overtime, we learn how to evaluate the value of items and start trading.

Background:
Now, human's economy is running above currency. But the evaluation of items are still continuing and escalating, causing our expenses rising through the time. As a fellow member of mankind, the rise of prices is also effecting our life.

Thesis:
We, as a student, need to learn how to balance out our expense to cope with the ever rising prices.

# data[].attributes.body
Type of Hook:
Startling Information

Hook:
The cost of living has been increasing tremendously from the past and it is causing financial problems for people with low income. Due to this situation, the allowance that students received from their parents is limited so they have to manage their finance well and set budgets in order to cope with high living expenses.

Background Information linking hook to thesis:

For example, the Malaysia Government has implemented Goods and Service Tax (GST) and all the daily needs such as food and clothes and many other products are charged for additional 6% of the price which increase the average cost of living. Students with very little allowance tends to involve themselves in part-time jobs in order to help to cover their family’s expenses and lessen their parents’ financial burden. Furthermore, students also make study loans from National Higher Education Fund Corporation (PTPTN) to cover their university tuition fees and obtain some extra allowance which could help them to buy study materials.

Thesis: In order to manage our finances well as students, we need to have a budget, spend wisely, and build on our savings.

# data[].attributes.body
Type of hook:
Narration

Hook:
"Seventeen ringgit and fifty cents, thank you." said by a polite waiter towards a young man at McDonald's counter. Without any hesitation, the young man took his wallet and paid for his food. He sat down and counted back his money in his wallet and he just realised that he has only ten ringgit to survive throughout the weekend. This situation occurs aftenly aming students because they do not know how to manage their finances well. Although the inflation rate increases drastically over years, the students' ability to manage their finances is the key soul to tackle the rising living expenses' issue. Hence, it is the time to highlight the ways to manage your own finances well in order to cope with the ever increasing living expenses.