Tetapkan bajet = set a budget A budget is the most money you are allowed to use. Savings plus spending must not go over the money received. Write the budget down first, then plan each part. Example: with a RM30 budget, saving RM10 and spending RM15 uses RM10 + RM15 = RM25, which is within RM30. Watch out: matching the budget exactly is fine, but going over by even one ringgit is not.
Langkah 2
Banding pilihan
Bandingkan beberapa rancangan dan pilih yang masih mempunyai simpanan serta baki munasabah.
rancangan A ↔ rancangan B
Banding pilihan = 比较方案 把几个方案放在一起比较,选一个有存钱、余额也合理的方案。每个方案先算总数,再看是否在预算内。例子:预算 RM40,方案A存 RM5、花 RM30,共 RM35;方案B不存钱、花 RM40。方案A有存钱,比较好。注意:两个方案都没超过预算时,还要看有没有存钱。
Banding pilihan = compare choices Put plans side by side and pick one that still saves money and leaves a sensible balance. Total each plan first and check it stays inside the budget. Example: budget RM40; plan A saves RM5 and spends RM30, using RM35; plan B saves nothing and spends RM40. Plan A is wiser because it saves. Watch out: when both plans fit the budget, savings decide which is better.
Langkah 3
Terangkan keputusan
Nyatakan berapa disimpan, berapa dibelanjakan dan mengapa pilihan itu bijak.
Terangkan keputusan = explain the decision After deciding, state how much is saved, how much is spent, and why the choice is wise. A good reason might be keeping money for later or buying only what is needed. Example: budget RM25, save RM10, spend RM12, keep RM3, because RM10 + RM12 + RM3 = RM25. Watch out: back up words with numbers; if you say you saved a lot, say how many ringgit.
Semak cepat · Soalan 1 / 2
Cuba sendiri
Pilih jawapan. Jika belum tepat, baca petunjuk dan cuba lagi.
Bajet RM50. Simpan RM15 dan belanja RM28. Baki ialah…
Baki = balance The budget is RM50, with RM15 saved and RM28 spent; find what is left. Add the saving and spending, then subtract that total from the budget. Check by adding all three parts back to RM50. Example: budget RM40, save RM12, spend RM20; RM12 + RM20 = RM32 and RM40 − RM32 = RM8. Watch out: savings also come out of the budget, so do not subtract only the spending.
Semak cepat · Soalan 2 / 2
Cuba sendiri
Pilih jawapan. Jika belum tepat, baca petunjuk dan cuba lagi.
tidak melebihi RM40 = not more than RM40 Three plans are given, and you need the one whose saving plus spending stays within RM40. Add the two amounts in each plan and compare with RM40; exactly RM40 still counts as within. Example: save RM12 and spend RM26; RM12 + RM26 = RM38, which does not exceed RM40. Watch out: work out every plan instead of looking at spending alone.