LDK Slot 3: Financial Budgeting by Ainin Sofiya https://padlet.com/astazudin/1vchyi0ktbpf7p0d en-us 2023-10-13 00:11:11 UTC 2023-10-14 04:49:47 UTC hello@padlet.com https://padlet.net/icons/png/1f4b0.png Question 1 - Goal / Problem astazudin https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744367665 Student's X goal is to have a sufficient amount of money for him to buy a tablet.]]> 2023-10-13 00:29:19 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744367665 Question 2 - Priorities astazudin https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744371704 Need:
1. Tuition fees
2. Hostel fees
3. Food

Want:
1. Clothes
2. Beauty products]]> 2023-10-13 00:32:28 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744371704 Question 3 - Suggestion astazudin https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744375806 Student X can make extra money by doing a part-time job around the campus after his classes & also during the weekend.]]> 2023-10-13 00:35:53 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2744375806 Student A https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860135 Question 1 

Goals to buy: 
- scrub & uniform 
- working kit 

Problem:
Difficulty in buying the things  needed

]]> 2023-10-14 04:26:09 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860135 Question 1 - Goal / Problem https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860163 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


]]> 2023-10-14 04:26:16 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860163 Q1 - Problems https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860437 Insufficient money]]> 2023-10-14 04:27:17 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860437 Question 2 - Priorities https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860624 Need:
Tuition fee
Hostel fee
Food
Toiletries
Uniform & scrub
Working kits

Want: 
Beauty products
Clothes]]> 2023-10-14 04:27:57 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860624 Question 1 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860752 Goals - covers all fees tuition for whole semester 
Problems - does not have enough money to buy the course requires things ]]> 2023-10-14 04:28:23 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860752 Q2 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860856 Need
- Tuition fee
- Hostel fee
- Uniform scrub
- Working kit
- Food

Want 
- Toiletries
- Beauty products
- Clothes]]> 2023-10-14 04:28:45 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745860856 1. Q1 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861068 Goal: to pay loan back at the end of study
Problem: insufficient about 23, 000 ]]> 2023-10-14 04:29:33 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861068 Question 2 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861127 Need 
- tuition fee
-hostel
- toilet tries 
- uniform and scrub
- working kit
- need 

Want 
- beauty products
- clothes ]]> 2023-10-14 04:29:44 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861127 Question 2 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861606 Need: 
- Tuition fee 
- Hostel fee 
- Uniform & scrub 
- Working kit 
- Toiletries

Want: 
- Beauty products 
- Clothes 
- Food ]]> 2023-10-14 04:31:26 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861606 Question 2 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861988 Needs:
Tuition fee
Hostel fee
Toiletries
Uniform & scrub
Working kit
Food
Clothes

Want:
Beauty products


]]> 2023-10-14 04:32:51 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745861988 Q3 - Suggestion https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862289 1) Ask for financial help from university for course required tools
2) Apply for scholarship
3) Do part time job]]> 2023-10-14 04:33:50 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862289 Question 3 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862292 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 ]]> 2023-10-14 04:33:51 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862292 Answers Group 4 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862442 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. 
]]> 2023-10-14 04:34:20 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862442 Question 1 -problem https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862587 Has difficulty to buy uniform, scrub, and working tools


]]> 2023-10-14 04:34:54 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862587 Question 3 - Suggestions https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862666 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

]]> 2023-10-14 04:35:11 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862666 Question 2 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862844 Need
-Tuition fee
-Hostel fee
-toiletries
-uniform
-Scrub
-Working kit
-food

Want
-beauty products 
-clothes ]]> 2023-10-14 04:35:51 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745862844 Question 3 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745863353 1) sponsorship (jpa/ptptn)
2) dropship/ affiliate
3) join contest]]> 2023-10-14 04:37:31 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745863353 Question 3 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745863454 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.
 

]]> 2023-10-14 04:37:58 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745863454 Question 3 https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745866437 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

]]> 2023-10-14 04:48:53 UTC https://padlet.com/astazudin/1vchyi0ktbpf7p0d/wish/2745866437