10 Super Tips Campus Life

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AboutUs

SECURITIESINDUSTRYDEVELOPMENTCORPORATION(SIDC),thel eadingcapitalmarketseducation,trainingandinformationresourceproviderinASEAN,isthetraininganddevelopmentarmof

theS ecuritiesCommission,Malaysia(SC).Itwasestablishedin1994andi ncorporatedin2007.

SIDChasbeendeliveringprofessionalexcellenceformorethan15years.WeorganisetrainingprogrammesforMalaysianandforeign

regulators,c ompanyd irectorsandmarketprofessionalsaswellasconductpublicinvestoreducationse minarso nwi seinvestingandinvestorsrights.

Wed evelopandfacilitatetrainingbothlocallyandinternationallythrougharangeofprogrammesandactivities,includingconferences,seminars,andworkshops.Incollaboration

witht heSC ,we d evelopexaminationquestionsandmodulesandconductlicensingexaminationsa sp arto ft helicensingregimeforMalaysiancapitalmarketintermediaries.

OurV ision

Tob er ecognisedi nternationallyastheleadingASEANtraininganddevelopmentproviderfort hec apitalma rkets.

OurMis sion

Tosup porttheSecuritiesCommissionandBursaMalaysiainmakingtheMalaysiancapitalmarkett hep referredd estinationforinvestorsby:

1.EDUCATINGMALAYSIANINVESTORSSOTHEY: Are protected from fraudulent transactions to the maximum

extentpossiblea sinformedmarketparticipants

Develop an informed interest in investing based on market andbusinessf undamentals

Value good corporate governance and CSR

2.DEVELOPINGAN DT RAININGMALAYSIANCAPITALMARKET INTERMEDIARIEST OMEETWORLDCLASSSTANDARDS

3.DEVELOPINGAN DT RAININGEMERGINGMARKETREGULATORS

4.TRAININGDI RECTORSOFPUBLICLISTEDCOMPANIES

OurV alues

Customer focused Quality focused Innovative Performance driven Reliable

Formo rei nformation,vi sitwww.sidc.com.myandwww.min.com.my

ThisfinancialliteracyprogrammeissupportedbyCapitalMarketDevelopmentFund(CMDF).


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10 Super Tips for aFinancially Stress-Free Campus LifeFor Amy Jeemat and Johan Sim Pan, setting foot in the oruniversity was the start of a new and exciting phase in their lives.

Little did we know that money management would turn out to be our biggestchallenge! exclaimed both Amy and Johan as they were packing their bags fortutorials.

Here, we get Amy and Johan to share their main reasons and motivations forMANAGING their money, as well as HOW they went about doing it. By the end of thisleaflet, you as a campus student will be able to identify your own reasons for wantingto save and from there, apply these practical campus money-saving tips to use inyour daily student life.

Believe it or not, some of my Uni mates actuallythink that university life is just one big party!Why? Well, their parents paid for their coursefees and give them an allowance, so Uni is thetime for having fun and partying after allthose years in school!

Also, dont forget about thestudents who TRY to managetheir money but arent verygood at it. I know of a fewfriends who are on PTPTN loansbut yet struggle to keep theirfinances under control beforethe money comes in. Theyre also

always complaining about howthey never have money foranything besides their studies!

Regardless of how long you have beenin university or college, planning yourBUDGET, MANAGING your MONEY andSPENDING WISELY can mean thedifference between a pleasant and

unpleasant student life!

Johan Sim Pan

Amy Jeemat

menara gading

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ACCOMODATION AND OTHERS

As a student, you need to savemoney so that you can spend

it on your cost of living expenses!As long as you need to eat, sleepand move around, these are theexpenses you cant avoid.

Eat us, werehealthy andcheap!

Rent, electricity,water. Wow! Thetotal is a fewhundred Ringgit.

Rice with one pieceof chicken and vege

Plainwater

MONEYBUS

TRANSPORT

Hey, wheres Lina?

She hasnt joinedus for makan forthree weeks!

Phew! Finallymy PTPTN loan

money came in.I can go eat atthe Mamak withmy friends now!

I really worry when I hear myfriends tell me how dependentthey are on their student loanmoney. Dont let financialproblems interfere with yoursocial life!

My goodness. This Linais so dependent on herstudent loan money!

Lina, that was a long studysession just now. Lets goeat a quick meal at theMamak!

Uh, no thank you,girls. I dont haveenough money toeat at the Mamaktoday. Sorry.

FOOD

FOR COST OF LIVING EXPENSES

TO REDUCE DEPENDENCE ON STUDENT LOAN MONEY

Why do you need to save money?

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VEHICLE PROBLEMS

MEDICAL REASONS DELAY IN RECEIVING MONEY

Im sick and should goand see a doctor, but Icant afford it .. .

Why hasnt my PTPTNmoney come in???!!!

SUPER TIP#2: ESTABLISH AN EMERGENCY FUND

Oh, no! My handphone justdied! I have to get it repaired.

NO MORE

MONEY.bye-bye

xxxxx

The 10% rule means savingat least 10% of your moneyevery month. Wheneverpossible, try to save the 10%BEFORE you spend it onanything else. Setting aside10% will also help you to beconsistent and disciplinedwhen spending your money!

Think about if! If youconsistently save just10% of your money everymonth, how much wouldyou have by the end ofthe year? Or by the timeyou graduate?

Hmmm... Amy has apoint. Saving 10% of mymoney every month

sounds easy. I dont haveto do any complicatedcalculations!

Wow! I didnt realize I could save somuch money by just keeping 10%!

Told you so!

An emergency fund should be equal to 3-6 months of expenses.

Campus financial survival is easy! Just practise these useful tips and you will beable to manage your finances better.

SUPER TIP#1: FOLLOW THE 10% RULE

Having an emergency fundwill help you cope withunexpected problems such as:

10 SUPER TIPS FOR A FINANCIALLY STRESS-FREE CAMPUS LIFE

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SUPER TIP#3: CULTIVATE A HABIT OF INVESTING

Whats better than savingmoney? Growing it byinvesting, of course! So, ifyoure still saving all yourmoney in a savings account,I suggest you hurry over to

your bank now and find outmore about the various formsof investments availableout there!

With the magic of compounding interest, the longeryou save your money, the more you will earn!Furthermore, a good investment product will earnyou more interest than a saving account or fixeddeposit.

More money?Thats what we

like to hear!!!

Wow! We should startinvesting now! Imaginehow much we can earnfrom compoundinginterest if we investedour money!

Youre right!Lets go andfind out moreaboutinvestmentproducts!

Hehehe! Guys, make sure you really learn about andunderstand the investment product BEFORE youstart investing, okay? NEVER rush into investing!

For more information on the concept of compounding interest,log on to www.min.com.my

Always compare prices of items when you areshopping! This way, even if an item is on sale,you would actually be aware of the pricedifference and whether theitem has a discount or not.If its REALLY cheaper,only then should youconsider buying the item!

70 Ringgit? I like this dress,but 70 Ringgit is a bitexpensive for me.

IS THE NEW DRESS ANEED OR WANT?

Siti, isnt the Malaysian Megasale coming in a few months?Why dont you wait until then?It might be cheaper.

Hmm... I supposeI could wait a bit longer.maybe I could buy thedress to reward myselfif I do well in thesemester exam.

I know! Best ofall, its on salewith a 70%discount!Im so happy

I waited beforebuying it.

Congrats on getting

an Afor Accountancy101 last week! Youdeserve this dress!

SUPER TIP#4: PRICE CHECK WHEN YOU SHOP

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SUPER TIP#5: CUT UP THE CREDIT CARD

BEWARE THE CREDIT CARD TRAP!!!

Credit cards can make you unawareof exactly how much money you have spent!

Im sorry, Dad. I got carriedaway using the credit card anddid not realize how much I spent.

Gosh! I cantbelieve I spentRM600 on a pairof shoes! Whatwas I thinking?

Whether you own a credit cardor your parents gave asupplementary card to you,is having one really necessary?With hidden fees, annual chargesand high interest rates, itssometimes not worth having!Remember, its very easy to signup for a credit card, either as aprimary or supplementaryholder becausesomebody(either you oryour parents)will have topay the bill!

Hey, Azman!

What haveyou got there?

Dudes, check out mynew shoes and jeans!Very expensive, butI can afford to buy them

using the credit cardDad gave me! Ill payhim later, hahaha!

Son! Do you know you spent atotal of RM1000 on your credit cardlast week? Ive told you before,WATCH your spending and ONLYuse your card for emergencies!

I dont need the room to beso cold, Ill leave thetemperature at 25 celcius.

Switch off the light whenyou dont need to use it!

Hey, your monitorstoo bright! Reducethe brightness, itwill help saveelectricity!

Really? I didnt knowthat! Thanks, Illlower my screensbrightness level now.

Cool! Savingelectricity hasreduced myelectric bill by 30%!I could probably cutdown my electricitybill by up to RM100

a year now!

SUPER TIP#6: REDUCE YOUR BILLS

Did you know that makingsimple changes to your lifestylecan help reduce your electricitybill and save your money?

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The campus is a great placeto help you save money!

Printer ink is expensive,so make sure you sharethe cost of new printercartridges with yourhousemates/coursemates!

Eh Sarah, I thoughtyou were going toeat at McDonuttoday?

No problem-lah.Just return thebook to mewhen youredone, okay?

Hi, Anita! Im just trying to savemoney for next semesters coursefees. The food in campus mightnot be much, but its a lotcheaper than eating outside.

Borrow books from your campus friends!

Thanks forlending methis book.You sure Idont haveto pay youfor it?

A student card is one of the mostPOWERFUL money-saving toolsyou can have! Use your studentcard to get discounts at thecinema, when you are taking theLRT, signing up for broadbandinternet packages, travelling,playing sports, eating outand more!

Students travelcheaper onthe bus andLRT thanksto their studentcards!

DONT FORGET!

DONT FORGET!

DONT FORGET!

InternetServiceProvidersoffer specialsubscriptionpackages forstudents!

Oh, no! I left my student card athome. Ill have to pay doublethe price for 1 hour of futsal!

SUPER TIP#8: TAKE ADVANTAGE OF STUDENT PRIVILEGES

Print your assignments on both sides of the paper so that youll spend less on paper!

Eat on campus

SUPER TIP#7: BE A SMART STUDENT

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The LRT is very reliable.It always arrives on timeand without delay.

The Light Rail Transit (LRT) is verybeneficial for students! And takingthe bus with my study group is funand easy! Not a fan of publictransport? Get your friendstogether and carpool!

By taking the LRT or bus, you can savea lot of money on transport!

Thats so true. hey,since were quiteearly, want to makea quick stop at thelibrary?

Be cool, carpool!

Well spl it itequally-lah!

Whose turn is itto pay for thetoll today?

And remember, if you bring yourstudent card when buying LRTor bus passes you can geta student discount!

SUPER TIP#9: USE PUBLIC TRANSPORT / CAR POOL

Susan is late! I better give her a call.

Eh, dont wasteyour prepaid. Justmessage her-lah!

Use the Internet to makephone calls from free wi-fispots! And if you use a mobile

phone, why not buy a prepaidline? This will help you tocontrol how much you spendon calls and remember, itsalways cheaper to SMSinstead of making callson your mobile phone!

Hi, Amy! Its Mark and Jameshere. Howve you been?

You could do that,but I dont thinkSusan would betoo happy!

Or how about Ijust give her a

missed call?Hehehe!

Were trying to savemoney for the classtrip, so were video-calling you on theInternet insteadof calling your phone!

SUPER TIP#10: USE THE INTERNET TO MAKE PHONE CALLS

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In conclusion, college or university is supposed to be about more than just studying. You should also beusing your time in campus to discover new opportunities, experience new things and meet new friends.


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Study loan/scholarship, etc.

Allowance from parents

Others(online business, part-time job, etc)

TOTAL CASH/EARNINGS

Course fees

Accommodation

Vehicle (if any)

Credit card (if any)

Savings/investments/allocation for emergencies

OthersTOTAL FIXED EXPENSES

FIXEDEXPENSES

DESCRIPTION RM

8

CASH/

EARNINGS


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DESCRIPTION RM

Petrol

Toll

Parking

Others

Total

Groceries

Toiletries

Electricity bill

Water bill

Phone billInternet bill

Medical expenses

Total

Books/reference materials/library fees

Stationery/art and design supplies

Photocopying

OthersTotal

Movies

Sports

Magazines

Entertainment

Total

VARIABLEEXPENS

ES

9

TRA

NSPORT

HOUSEHOLDEXPENSES

ED

UCATION

EX

PENSES

OTHEREXPENSES

(Entertainment)

Now that you have completed your monthly budget,whats your balance like? What can you do to makeit more stable? How about using the 10 Super Tips

in this leaflet to help you get started?

FIXED EXPENSES +

TOTAL VARIABLE

TOTAL CASH/EARNINGS

- =RM _________ RM _________

RM________


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10 Super Tips Campus Life

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