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Fiona Lee Jia Ling, Elain Ang Jia Chee, Haruka Horisawa, Keisuke Tsutsumi, Taichi Isago

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Fiona Lee Jia Ling, Elain Ang Jia Chee, Haruka Horisawa, Keisuke Tsutsumi, Taichi Isago

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1.  Plan your vacation wisely
a) Plan a personal budget and record their outflow and inflow of money to understand the situation of our economy.
b) Write down all the daily expenses to more understand about how we spend our money.

2.Develop your personal budget
a) Do some budget to help you figure out how you spent your money
- list the income
-Pay yourself first
-List daily and monthlu expenses
b) Save at lest 30% of monthly income
c) Limit your credit card spending to 30
d) Get a financial adviser help when you face some financial problem

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Leom Teng Xiang, Kuan Kah Ming, Lai Shu Qi, Lim Chia Wei, Lau Phei Sin

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Leom Teng Xiang, Kuan Kah Ming, Lai Shu Qi, Lim Chia Wei, Lau Phei Sin

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1. Plan your vacation wisely by consider all the aspects from:
~BUDGET

Budget is always a guideline for us when we spend or planning for something. By doing suitable research, we are able to plan the budget fair enough. When we roughly have an idea about how much we can spend on what, we can actually reduce the tendency for us to spend 'blindly'. With this , we can eventually manage our personal finance properly and avoid wasting our money.

~TIMING

We need to plan our vacation at the right time in order to minimize our spending. For an example, we can always purchase an airplane ticket during the 'promotion' time (which would have a much more cheaper price comparing to immediate ticket). With these kind of small simple steps, we can improve our financial health. If we have an vacation at the right time, we can always save a lot of unnecessary cost and this would provide us more space to ensure that our spending is always within our capability and incomes.

2. Saving

30% of our income is always needed to be save for emergency as our 'liquidity'. We should ask for advise from someone who have experience in financial planning. This is because they can provide us a more clearly understanding of what we should do with our money in order for profits making and investments. 'It is not how much you earn, it is how much you save', this quote show that we should always think twice before we spend because a simple steps of saving can make a huge different in the future.

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Tan Siong Kai,Jeffrey Tan Xian Jun,Iris Tan Xin Yee,Chin Jing Ee,Annie Tan Sin Ling

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Tan Siong Kai,Jeffrey Tan Xian Jun,Iris Tan Xin Yee,Chin Jing Ee,Annie Tan Sin Ling

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1.Plan a personal budget
a)Record the inflow and outflow of the money so that we can know about the situation of our economy and we will not get into trouble of finance.
b)Plan down the total expenses for every day so that we can manage our money in a correct way and we will not over expense the money.

2.Plan for the money use during the
vacation
a)Do some research about the situation about the economy of the place we need to go so that we can use our money more save.
b)Set a limit budget to us so that we will not over expenses during the trip.
c)Research about the thing we need to buy so that it is more worth

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Christina Law Jing Yi ,Adam Chew Ming Zheng ,Ng Qing Ya ,Er Pei Ling ,Ho Jin Jack
1.Do some budget will help you figure out what you can afford and where your money is going
-fill the column with your monthly salary and any income that you receive like rental interest income.
2.Do some research before going on a trip
-find out how much trip caused for food and accommodation and some spending money.
3.check your budget is balance whether the money to be spent equals the money in hand
-if you have exceeded the budget,cut back on your spending or stop yourself from overspending or it will become a bad habit.
4.list your daily and monthly expenses.
5.keep your spending within this amount if you take a credit card.
6.Save before spending-save at least 30%of monthly income.
7.Limit credit card spending  to 30%.

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Yap Xing Er , Ee Shue Ann, Takuro, Yu Osuga, Masa

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Yap Xing Er , Ee Shue Ann, Takuro, Yu Osuga, Masa

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1.Plan for vacation well
-do research begore going on a trip.
-create budget for your spending which is within your salary.
-limit your spending to 30%of the limit  when you are using credit card.

2.Develop personal budget
-budget can help you figure out what you can afford and where the  money is going.
a.List the income
b. Pay yourself first
c.List daily and monthly expenses
d. Check if your budget is balance.

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Haziq , Qiyang , Qayyum , Yuta , Yuki , Sharon

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Haziq , Qiyang , Qayyum , Yuta , Yuki , Sharon

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1. Stick to a budget
- A budget will show where your money is going.  Depending on when you are paid, you may decide on a weekly, fortnightly or monthly budget. You need a budget regardless of how much you earn a year.

2. Understand your investments
-Do not get involved in investments you don't understand. A financial adviser can help to talk you through the investment options that might be suitable for you.

3. Get financial advice
Many people do not have the time, or the inclination, to manage their finances well. Busy with work and family, many people find it difficult to keep up-to-date with investment options and to understand the risks involved. A financial adviser can help you reach your goals.

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Yeow Wei Wen, Choo Jia Le, Kok Yin Loon, Gabriel Chua Chin Seng, Ng Jason

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Yeow Wei Wen, Choo Jia Le, Kok Yin Loon, Gabriel Chua Chin Seng, Ng Jason

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1. Plan for your vacation wisely
- do homework before going on a trip and make sure the expenses at the best price (accommodation, food and so on)
- plan a budget for your trip (within your salary) and keep your spending within the amount
- if using a credit card, the spending should not more than 30%.
2. Develop your personal budget
- list the income
- pay yourself first (save then spend)
- save at least 30% of your monthly income which can be come from your salary, commission, and so on.
- track your financial dealing (list your daily expenses)
- Balance your budget (compare actual expenditures in each category with the budget amounts at the end of the month)
- if your income is more than your expenditures, your financial situation is healthy.
- if you have exceeded the budget, you must cut back on your spending and stop yourself from overspending to prevent bankruptcy.

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# Chong Zhi Ren , Lee Hui June , Stanley Low Jun Loong and Wong Yeong Ying.

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# Chong Zhi Ren , Lee Hui June , Stanley Low Jun Loong and Wong Yeong Ying.

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1）Plan & manage well our budget

Ensure that your expenses are not more than your income.

Set up a record-keeping system to track your income&expenditures.

Save at least 30% of yr monthly income

Use ratios to monitor your financial health and determine where your money comes from and where it goes.

2）Research and plan a vacation

research travel destination before you go.

we can read posts by travel bloggers who have been there to reduce our expenses.

the essential travel apps we should get before travel especially “Trivago“ and “Trip.com“ because of this travel apps can save your time and get the great pricte.

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Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

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Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

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1. Plan for vacation
- do research before going on a trip. (food, accommodation and some spending money)
- create a budget, for the spending which is within our salary and what we have save for the trip.
- if you take cash, keep spending within the amount.
- if you take a credit card, limit your spending to 30% of the limit.

2. Make a personal budget
- List the income.
- Pay yourself first before spending balance. (save at least 30% of your monthly income as cash reserves for the future)
- List the daily and monthly expenses.
- Balance the budget (check the balance of budget whether the money to be spent equal to the money in hand if we have exceeded the budget, we need to cut back on the spending. We must stop ourselves from overspending.

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Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

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Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

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1. Plan your vacation well
a. Do your research before going on a trip (to find out how much the trip it caused for food and accommodation and some spending money).
b. Create a budget for your spending that within your salary and what we have saved for the trip.
c. If you decide to take along cash, keep your spending within this amount.
d. If you take a credit card, limit your spending to 30% of the limit.

2. Develop a personal budget
a. Your budget will help you figure out what you can afford and where your money is going.
b. List the income (your monthly salary, commission, interest income or rental income).
c. Find the amount you want to save.
d. Pay yourself first before spending balance (you need to save at least 30% of your monthly income as cash reserves for the future).
e. List your daily and monthly expenses.
f. Balance the budget.

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Goh Yee Ern, Lee Juin Wei, Siow Kah Cheong, Nur Sabrina Yap, Kiew Jia Chee

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Goh Yee Ern, Lee Juin Wei, Siow Kah Cheong, Nur Sabrina Yap, Kiew Jia Chee

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1. Plan for vacation
-do research before
going on a trip (food, accommodation and some spending money)
-create a budget
for the spending which is within our salary and what we have save for the trip

-if you take cash, keep spending within the amount
-if you take a
credit card, limit your spending to 30% of the limit

2. Plan your personal budget
-figure out what
you can afford and where your money is going

-pay yourself first (save at least 30% of your monthly income as cash reserves for the future)

-list the expenses.

-balance the budget

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Nicholas Tan Yi Hong , Nixon Teoh Hong Chin , Ivy See , Angelin Tan Li Xin

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Nicholas Tan Yi Hong , Nixon Teoh Hong Chin , Ivy See , Angelin Tan Li Xin

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1.Do not spend before thinking
2.Plan your vacation
3.Do some research before going on trip
4.Create a budget for spending which is within your budget.
5.Limit your spending with limited cash or credit card amount.
6.Do monthly budget.
7.Save before spending.(30% of income)
8.List daily and monthly expenses.
9.Stop from over spending.
10.Credit card is a convenience.
11.Do not spend what you don't have.

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Lim Hui Ying,Tan Ying Hui,Goh Fang Chin,Elaine Khoo Sue Mae,Jane Lee Le Xuan

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Lim Hui Ying,Tan Ying Hui,Goh Fang Chin,Elaine Khoo Sue Mae,Jane Lee Le Xuan

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1) Plan Your Vacation Well
a.  Do some research before going    on a trip.(Price of the food&accomodation)
b.  Create a budget for your spendings within your salary and savings for the trip.
c.  Keep your spendings within the amount of cash you bring along.
d.  If you bring along your credit card,limit your spendings to 30%of the limit.

2) Plan Your Personal Budget
a.  Help you figure out what you can afford and where your money is going.
b.  Pay yourself first.(Save at least 30% of your monthly income as cash reserves for the future including buying a house or a car for investments,retirement,emergency medical and hospitalization)
c. List your daily monthly expenses.
d. Balance your budget.

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Tan Hui Lin, Chua Siang Teng, Kong Sue-Vynn, Nur Emilyn Yoo, Tan Pei Yi

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Tan Hui Lin, Chua Siang Teng, Kong Sue-Vynn, Nur Emilyn Yoo, Tan Pei Yi

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1) do your research before going on a trip

-Create budget for your spending within your salary

-If you using cash, keep your spending within that amount

-if you are taking credit card, limit your spending to 30% of the limit

-Compare the hotel price before vacation means find the bajet hotel with good services rather than 6atar hotel but need to spend more $$
-Use credit card wisely  -do not spend beyond our means

2) plan your budget

-Keep track of daily expenses

-save 30% of your monthly income for the future

-check if your budget is balance, if budget is exceeded cut back on spending

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Russel Lim Feng Han, Toh Wan Jing ,Tee Ai Chin ,Chong Xin Yen , Tan Jun Yin

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Russel Lim Feng Han, Toh Wan Jing ,Tee Ai Chin ,Chong Xin Yen , Tan Jun Yin

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Step To Improve Our Financial Health

1.      Plan For Vacation

-Do the research before the trip (find out how much the cost for food, accommodation and spending money)

-Create a budget of spending within your salary and saving for the trip

-Cash (keep your spending within the amount you bring)

-Credit Card (if you use credit card, limit your spending to 30% of the limit)

2.      Develop a personal budget

-List the income (salary, commission, interest, rental salary)

-Pay yourself first (Save at least 30% of monthly salary as cash reserves for the future)

-List expense

-Balance the budget (stop yourself from overspending)

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Chin Careen, Chua Kai Ying, Ng Yin Yen, Tan Jie Xin, Lai Yi Wen

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Chin Careen, Chua Kai Ying, Ng Yin Yen, Tan Jie Xin, Lai Yi Wen

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1. Plan your vacation well
-Do research before going on a trip.
-Find out how much the cost for your trip.
-Create a budget for your spending (Within your salary and what you have saved for your trip)
-If decide to take along cash, keep your spending within this amount.
-If you take a credit card, limit your spending to 30% of the limit.

2. Plan your personal budget.
-Help you figure out what you can afford and where your money is going.
-List the income.
- Pay yourself first. (Save at least 30% of your monthly income as cash reserves for the future)
-List the expenses.
-Balance the budget

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Tham Jie Shi,Cristy Fo Hui Chi,Goh Wei Xuan,Kenny Ho Chin Han,Devi Gopal Mohan 

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Tham Jie Shi,Cristy Fo Hui Chi,Goh Wei Xuan,Kenny Ho Chin Han,Devi Gopal Mohan 

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1)Vacation

During vacation, most of us gets excited and spend without thinking about what will happen next. Therefore, we have to do some research before the trip to find out how much the trip will cost us. For example, food and accommodation.

2)Develop a personal budget

We can create a budget for our spending which is within our salary and what we have saved for our trip. This personal budget will help us to figure out what we can afford and where our money is going.From there, we can eliminate unnecessary expenditure.

3)Pay yourself first

We need to save at least 30% of our monthly income as cash reserves for the future including buying a house,buying a car,investment,emergencies medical,hospitalization and so on.

4)List daily and monthly expenses

We should list out our daily and monthly expenses to know the cash outflow.By doing this,we can know how much and where our money spend on.Beside that,after we clearly understand our spending,we can easily control our spending such as spend less on unnecessary things next time.

5)Balance the budget

We must make sure that our budget is balanced whether the money to be spent equals the money in hand.If we have exceeded the budget,we should cut back on our spending.Moreover,we must stop ourselves from overspending because it could become a bad habit.

6)Earn money

We have to work or do business to earn money.This is to ensure that we have a fixed cash inflow to stable our financial health.

7)Credit cards

We should use the credit cards appropriately.This is because credit cards is merely a convenience,it is not a treasure trove.

8)Cash

We should always live a lifestyle which is within our means so that we would not overspend.

9)We must stick to our financial goals

Setting up new financial goals is only the first half of the equation. The other half is sticking to your goals, which is the most demanding part. One way to stay on top of your financial goals is to monitor your monthly expenses. You can either maintain a small pocket diary or use a mobile app to track your daily spending. Be honest and as detailed as possible.Break down bigger financial goals into smaller and more manageable portions. For example, if you want to repay considerable credit card debt, consider paying a little more than the minimum amount due each month while cutting back on unnecessary shopping expenses.When it comes to investments, however, you should focus on future value rather than what you are investing now. As improving your finances is a long-term commitment, you should also think about having a budget buddy. Ask one of your family members or friends to keep an eye on your financial behavior. This person can support, discipline and motivate you throughout your financial journey.

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Gan Li Hui, Lim Hui Thing, Pok Xiao Lin, Verona Tan Xiang Ni, Toh Tao Jie 

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Gan Li Hui, Lim Hui Thing, Pok Xiao Lin, Verona Tan Xiang Ni, Toh Tao Jie 

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1) PLAN YOUR BUDGET
a.List income
-any income commission, interest
b. Pay yourself first before spending
- fill amount that you want to save.
- save at least 35% of your monthly income as cash reserve for future.
c.List daily or monthly expenses
d.Balance the budget
- Money in hand = money to be spend.
- no overspending.

2) PLAN YOUR VACATION
a. Do research before going on the trip
- cannot budget within salary.
b. (i)Credit card - limit to 30%
(ii)Cash - keep spending within                        the amount.

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Ng Kai Man , Chong Chun Heng , Tan Xin Yee , Tan Zhe Wen , Ong Jie Ying 

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Ng Kai Man , Chong Chun Heng , Tan Xin Yee , Tan Zhe Wen , Ong Jie Ying 

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Develop a personal budget to figure out what we afford and where our money is going

Step 1 = List the income

Step 2 = Pay yourself first before spending balance
(save at least 30% of monthly income as cash reserves for the future)

Step 3 = List our daily and monthly expenses

Step 4 = Balance the budget
( check if the budget is balance whether the money to be spent equal the money in hand. If exceed the budget, we need to cut back on the spending. We must stop ourselves from overspending.)

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Chong Xin Ee,Lau Wan Ying,Liang Hui Li,Aric,Ho Khwan

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Chong Xin Ee,Lau Wan Ying,Liang Hui Li,Aric,Ho Khwan

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1.Plan for vacation
-do research before going on a trip(food,accommodation and some spending money)
-create a budget for the spending which is within our salary and what we have save for the trip
-If you take a credit card,limit your spending to 30% of the limit

2.Make a personal budget
-List the income
-Pay yourself first before spending balance(save at least 30%of your monthly income as cash reserves for the future)
-List the daily and monthly expenses
-Balance the budget(check the balance of budget whether the money to be spent equal to the money in hand.If we have exceeded the budget,we need to cut back on the spending.We must stop ourselves from overspending)

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Chua Shi Rou, Rabiatul Azurin binti Rosman, Gan Qian Han, Cha Jie Yee and Tan Kah Kei

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Chua Shi Rou, Rabiatul Azurin binti Rosman, Gan Qian Han, Cha Jie Yee and Tan Kah Kei

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1) Plan the vaction

- pay yourself first
- compare the prices between the shop, than buy the things which have lower price
- use 30% of the credit card or debit card
- save some cash which can use for the emergency
2) plan the budget
- list down the budget that you use
- pay for the taxs, bill or loan first
- make sure you have to save every month
- plan the budget with compare with your own salaries
- buy the things which are necessary first
- think the amount of money that will use for one m

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Yoon Shu Yin,Ang Kai Sin, Yusuke Iida,Daichi Saito,Yu Saito

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Yoon Shu Yin,Ang Kai Sin, Yusuke Iida,Daichi Saito,Yu Saito

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1.       Plan your vacation

-Before going on vacation, do your research to find out how much the trip is caused for food &accommodation &some spending money

-Create a budget for your spending which is within your salary and what we have saved for the trip

-If you decide to take along cash, keep your spending within this amount.

-If you take a credit card, limit your spending to 30% of the limit

2.       Develop a personal budget

-list the income

-pay yourself first before spending (save at least 30% of your monthly income for the future)

-list your daily & monthly expenses

-balance the budget

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Please watch the video as attached and list out the steps on how can we improve our financial health.

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Ep. 1: Money Chat - Personal Financial Budget