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Student's X goal is to have a sufficient amount of money for him to buy a tablet.

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Need:
1. Tuition fees
2. Hostel fees
3. Food

Want:
1. Clothes
2. Beauty products

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Student X can make extra money by doing a part-time job around the campus after his classes & also during the weekend.

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Question 1

Goals to buy:
- scrub & uniform
- working kit

Problem:
Difficulty in buying the things  needed

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Goal:
Student B is required to buy uniform and scrub and working kit using student loan

Problem:
Student B has to pay back his loan

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Insufficient money

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Need:
Tuition fee
Hostel fee
Food
Toiletries
Uniform & scrub
Working kits

Want:
Beauty products
Clothes

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Goals - covers all fees tuition for whole semester
Problems - does not have enough money to buy the course requires things

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Need
- Tuition fee
- Hostel fee
- Uniform scrub
- Working kit
- Food

Want
- Toiletries
- Beauty products
- Clothes

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Goal: to pay loan back at the end of study
Problem: insufficient about 23, 000

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Need
- tuition fee
-hostel
- toilet tries
- uniform and scrub
- working kit
- need

Want
- beauty products
- clothes

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Need:
- Tuition fee
- Hostel fee
- Uniform & scrub
- Working kit
- Toiletries

Want:
- Beauty products
- Clothes
- Food

# data[].attributes.body
Needs:
Tuition fee
Hostel fee
Toiletries
Uniform & scrub
Working kit
Food
Clothes

Want:
Beauty products

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1) Ask for financial help from university for course required tools
2) Apply for scholarship
3) Do part time job

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Suggestion
- do part time job
- reduce money spent on food (daily meal  less than RM10)
- do not buy any new clothes in the certain period
Use toilet tries and beauty products wisely and appropriate amount that can covers the whole semester
- apply for student welfare
- share financial problem with financial officer

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Question 1 : Goal / Problem
Her allocations for foods can be reduced from Rm 1000 to Rm 800 per semester.

Question 2 :

Needs :

Tuition Fees

Hostel Fees

Toiletries

Foods

Scrub

Working Kit

Want :

Beauty Products

Cloth

Question 3 : Suggestions

1. Do part time work to generate side-income

2. Start fasting every Monday and Thursday to save money on foods

3. Only buy cloths, toiletries or Beauty Products during on sale

4. Instead buying beauty products for Rm 70, can find other alternatives that is cheaper but serve the same purposes.

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Has difficulty to buy uniform, scrub, and working tools

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Total loan obtained: RM5,500.00
Total expenses (inc. need & wants): RM 2,710.00
Balance loan: RM2,790.00

Suggestions:
1. Savings using loan balance
- using passive investment to Tabung Haji and ASB
- invest on gold
2. Money spent for food and beauty products can be reduced

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Need
-Tuition fee
-Hostel fee
-toiletries
-uniform
-Scrub
-Working kit
-food

Want
-beauty products
-clothes

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1) sponsorship (jpa/ptptn)
2) dropship/ affiliate
3) join contest

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Ways to achieve goals
- Apply for sponsorship such as JPA, MARA & PTPTN
- Work for part time job
- Buying affordable and cheap toiletries.
- Reduced eating out
- Buy a meal and divide it for two times.

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Invest every month for 4 years rm426.83 in ASB
Interest ASB annually 5%
In acc ASB in 4 year rm22,033.36
Additional rm426.88/month from math tutor (rm400/month)
Zakat selangor rm1000 setahun = rm83.33

Total = 22,033.36 + 23,200 = rm45,233.36
Lebihan dlm seribu rm1,233.36