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Lim Huey Xin 4K4
Financial management is important to us. Firstly, it is because we won't simply spend on things that are unnecessary. Secondly, learning financial management will be helpful in the future because when we learn to save up in our bank and not touch it until really a emergency, then that sum of money could really help a lot. Thirdly, we would also be discipline because we know how to manage our money and it would apply to other things too. Fourthly, we would also not go bankrupt or no money to survive because we know how to segregate our money for the important things first like house rent, water and electricity bills and etc.

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Financial management is one of the most important aspects in business. Firstly, financial management helps to determine the financial requirement of the business concern, which helps to promotion of an enterprise. Secondly, financial management helps to take sound financial decision in the business concern. Financial decision will affect the entire business operation of the concern because there is a direct relationship with various department functions such as marketing, production personal, etc. Lastly financial management is also important in the field of increasing the wealth of the investors and the business concern will achieve the maximum profit and higher profitability leads to maximize the wealth of the investors as well as the nation.

In conclusion, nowadays financial management is also popularly known as business finance or corporate finances. The business concern or corporate sectors cannot function without the importance of the financial management.

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Yap Yan Ming 4K4  Financial management may be defined as the area or function in an organization which is concerned with profitability, expenses, cash and credit, financial Management is an essential aspect of our daily life. We are caught up in our daily life so much that we forget to realise the importance of financial management. As the starter of the topic, the importance of financial management in our life is Financial management increases your standard of living. The more you are planning for your savings, the more you are increasing your net worth. The more you plan for your finances, the more your savings will be. Savings can help you to face financial challenges. Effective financial management will increase your wealth thereby increasing your standard of living. Beside that, having a good financial management plan will help you to analyze your finances quickly. As an individual, this will help you to figure out where or what you are spending the most of your earnings on, and as a business owner, it will show you where your income is coming from and where your spending is directed to. There have many ways to practice financial management. First and foremost, you should record everything you purchase. In fact, you can always whipping out your check book to record everything you spend whether it’s at Target, the gas station, the bowling alley, or pretty much anything else. These days, most people just rely on looking at their bank balance online. But if you only do that, then it allows you to not care what you are spending in the moment. But if you hold yourself accountable by recording everything, then you will not over-spend or overdraw your account. Last but not least, understanding your finances is the first step in financial management. If financial management is not effective then you will fall into a deep financial crisis. Make financial management so effective that it will make your future safe.

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Yap Yan Ming 4K4  Financial management may be defined as the area or function in an organization which is concerned with profitability, expenses, cash and credit, financial Management is an essential aspect of our daily life. We are caught up in our daily life so much that we forget to realise the importance of financial management. As the starter of the topic, the importance of financial management in our life is Financial management increases your standard of living. The more you are planning for your savings, the more you are increasing your net worth. The more you plan for your finances, the more your savings will be. Savings can help you to face financial challenges. Effective financial management will increase your wealth thereby increasing your standard of living. Beside that, having a good financial management plan will help you to analyze your finances quickly. As an individual, this will help you to figure out where or what you are spending the most of your earnings on, and as a business owner, it will show you where your income is coming from and where your spending is directed to. There have many ways to practice financial management. First and foremost, you should record everything you purchase. In fact, you can always whipping out your check book to record everything you spend whether it’s at Target, the gas station, the bowling alley, or pretty much anything else. These days, most people just rely on looking at their bank balance online. But if you only do that, then it allows you to not care what you are spending in the moment. But if you hold yourself accountable by recording everything, then you will not over-spend or overdraw your account. Last but not least, understanding your finances is the first step in financial management. If financial management is not effective then you will fall into a deep financial crisis. Make financial management so effective that it will make your future safe.

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Financial management is important in our daily life. It refers to to the management of asset purchase, capital financing ,cash flow in operation, and profit distribution under certain overall goals. Besides that, financial management is a process that involves managing money from sources of income savings, expenses , protection and investment.
With the development of social economy , teenagers consumption level have change and increasingly under the influence of the social background. The golden age of learning financial management is young. At this stage, we can learn some good financial management habits, mastering some necessary financial management knowledge so that the physical and financial capabilities are strong.
The way I practice financial management is I will set a budget . For example , I will take a small book record my income and expenses so that I can know where the money will be spent and how much money can be saved. Next, I think wisely before spending money. For example , I reduce on buying some luxury accessories and only buy items that are useful to me.

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Financial management is important to us.It is an economic management task for organizing corporate financial activities and handling financial relationships.

The way I practice financial management is I will limit the money I use not more than half of my pocket money. For example, my pocket money a day is RM10,I will draw up the money I want to spend and then use the bookkeeping app to record how much I spend and what I spend on it.
Whenever I see something I like, I will consider whether I really need it, and shop around for his price before deciding whether to buy it.

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Financial Management is an essential aspect of our daily life. We are caught up in our daily life so much that we forget to realise the importance of financial management.

Without the knowledge of financial management it is not possible to live a life of bondage and know how to adequately pay your bills and get out of your financial debts. Having necessary financial management skills will make sure that your money is managed well.

Here we discuss financial management at an individual level. It includes how you manage your money through Savings, investments and manage your expenditure. Broadly speaking other aspects of financial management are banking, budgeting, insurance, retirement planning and others.

The way I practise my financial manegment skill is create a budget that includes everything. In my budget, first I will make a list of all my income sources, including savings and parental allowance. Then make a list of my estimated expenses for the month. This list included essentials such as school supplies, personal care item, food, travel and laundry, and non-essentials such as going to the movies, late-night snacks, and eating out.

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Financial Management means planning, organising, directing and controlling the financial activities such as procurement and utilisation of funds of the company or enterprise. It means applying general management principles to financial resources of the company or enterprise.
But in my point of view, financial management is defined as dealing with analysing money or investment for a person to use during emergencies or for a business. For example, you can use it when you admitted into hospital and you need to use it.
But I save the money in bank so i can use it to buy ting for use it during emergencies.

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Chin Qianyu
4K4
Financial management is important in our daily life that is because it helps organisations in financial planning, assists organisations when having difficulties , provides economic stability and encourages people to save money, which helps them in personal financial planning.

I will practise it with controlling my daily money usage for not causing any bankrupt or lack of money.Besides that, I will also manage my money used in one day in a small notebook so that I can know how to use my money wisely. Lastly, I will try to save money and buy only buy the things we need but not we want.

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Financial management is very important in our daily life as it means planning, directing, organizing and also controlling the financial activities for example  utilization and procurement of funds of the enterprise. The importants of financial management are budgeting, expenses and savings. If we spent too much income on unnecessary without planning and to the end you will become financially unstable. Next, ensure financial security as financial management will ensure safety for you and your family's finance. Lastly, increasing your assets, when you understand more about financial management your may have a change of increasing self assets.
Since i am only a student, I practice my financial management by saving RM50 each month since my pocket money is RM250 per month, i also eat lesser to save more budget. When i buy stationary i only buy them with a reasonable price, i never buy things just because i wanted to show off to my friends. Furthermore, as a student buying exercise and refernce books are unavoidable so i choose them carefully to not get the wrong ones. Lastly i will write down a list of my expenses when shopping to trace down my daily outcome.

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Financial management is important in our daliy life this is because we don't spend our income money more on wanted than needed.Besides that ,it is important for an individual to save 10%of their income for emergence used .moreover,in Malaysia,there are lot of people who are in  bankrup situasion ,are those teenagers because they spend their money unwise ,as a result lot of problem will be occur on them,financial management can helps the teenager to spend their money depends on their income money .so this can avoid to wasteful and extravagant.lastly ,we should use our income money wisely and avoid debt so that this burden will not occur among teenagers as well as us .

since i am a students ,i also practice my financial management to practice to spend my money wisely.as an example i will set a limit of RM100 per month from my parents ,i will spend things on needed such as stationary ,refrence books ,exercise books and book that can gain knowledge .Usually i will bring food from home and seldom eat outsides food this also can reduce my expense.if there are some surplus of money in the end of the year i will rather save 10%of my money and the rest will spend on wanted such as comic books my eletronic project and more ...

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Leong Ai Leen ( 4K4)
Financial management is important  in our daily life. It helps us to control our spending on different kind of things , example like stationary , foods and many others. If we are not able to manage our financial properly , we may used up large amount of money . We will not have extra money to deal with if there is an emergency happen. Not just that , financial management let us understand more about our spending limit and it will help us to know our budget.

I practise my financial management by setting a budget at a limit of RM200 per month . Since I am a student , I wont be speding too much . 3 meals prepared at home so I do not have to eat outside at restaurants . I will reduce my expenses on things I want but use my money on things I need . As a student , stationary ,refrence book and exercise books are important in our study life . Usually my money are used on these as well as they are needed in studying at school . If they are extra money in the end of the month , I will either save the money or use half  amount of the money to get a new novel book.