Most of university students are far from their
parents. They live in a boarding house or in a dormitory. They should take care
of their money and have ability to manage their money because parents usually
give them monthly money. That is why learning how to manage our financial is
important such as listing, dividing, and saving.
The
first step is listing our daily needs. After getting monthly money from our
parents, we try to make a list for our daily needs. This way helps us to avoid
overspending the money. In any case, we hope this will be a useful way to
monitor our saving and spending habits. In our budgeting plan, there is a list
of necessary and unnecessary things that are needed. Necessary things include
meal, drinking, pay a boarding house rent, and fee for doing assignment. New
clothes, new shoes, and accessories belong to unnecessary things because we do
not really need them. We often do not realize how much we are spending on a
daily, weekly, and monthly basis. Writing down our expenses is also a way to
help keep track of these habits. However, that is much easier said than done.
The
next step is dividing our money. After listing our daily needs, we are
recommended to divide our money into some parts. In this way, we will divide it
into three parts. The first part is the money for paying and buying the
necessary needs. The second part is our money that we will spend for the
unnecessary things such as go shopping or travelling. The last part is the rest
of our money. We can save the rest of our money and we will use it whenever we
need. This way also helps us to considering
The last step is saving. Saving in here means if
there is rest money after considering how much we will spend our money. If
there is no rest, it is not too important for us to force saving. After
dividing the money into some parts, the last part that we plan for saving, is
better to put far away from the other parts. It helps us to avoid not to using
this money whenever we do not really need it. We can do saving the money in a
bank or in piggy bank. Saving in bank is better than in piggy bank, because the
safety in bank is
In brief, listing and dividing are important ways
for us if we really want to manage our financial. Those way help us to avoid overspending
the money. Saving, in my opinion, is necessary when our entire daily needs have
been fulfilled. However, it is hard to do those ways especially for women whose
hobby is go shopping.
By:
Evi Rani
100221400406
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