how to save money essay pt3

Essay On Saving Money For Students

In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Essay About Saving Money

Introduction:

Money is an essential commodity that is required for daily survival. It helps to fulfill our basic needs and wants, but we cannot deny the fact that managing money can be quite challenging. Many people struggle to save money and end up spending more than they earn. Saving money is an important habit that should be cultivated from a young age. In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Importance of Saving Money:

Saving money is important for several reasons. Firstly, it helps to create a financial safety net. It ensures that we have money in case of emergencies like medical emergencies, unexpected home repairs, or job loss. Secondly, saving money can help us achieve our long-term goals like buying a house, car, or going on a vacation. It is essential to have a savings plan in place to accomplish these goals. Lastly, saving money can provide financial stability and reduce financial stress.

Useful Tips to Save Money:

Here are some useful tips that can help you save money:

• Create a budget: Creating a budget is the first step towards saving money. A budget helps you track your income and expenses, and it enables you to identify areas where you can cut down your expenses.
• Set a savings goal: Setting a savings goal helps you stay motivated and focused. It can be a short-term goal like saving for a vacation or a long-term goal like saving for retirement.
• Avoid unnecessary expenses: Avoiding unnecessary expenses is crucial when it comes to saving money. Evaluate your expenses regularly and eliminate anything that is not necessary.
• Shop smartly: Shopping smartly is an excellent way to save money. Look for deals, use coupons, and compare prices before making a purchase.
• Save automatically: Saving automatically is an excellent way to ensure that you save money consistently. You can set up automatic transfers from your checking account to your savings account.

Conclusion:

Saving money is not an easy task, but it is crucial for financial stability and achieving long-term goals. By following the tips mentioned above and cultivating good financial habits, you can save money efficiently. Remember, it’s never too late to start saving, so start today and secure your financial future.

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Decoding Essay writing for PT3 English 2021

7 minutes to read

• 01. Rule of Thumb to Learn and Master PT3 Writing Paper
• 02. Comparison on PT3 Writing Papers Format
• 03. How to Answer PT3 Writing Paper Part 1
• 04. How to Answer PT3 Writing Paper Part 2
• 05. PT3 Essay Writing Tips

PT3 (Form Three Assessment) is an assessment of students' academic achievement at the lower secondary education level from Form 1 to Form 3. There are several examinations to be done by PT3 candidates including specialized work, oral speaking test, listening test and written test.

Writing can improve the learning abilities of students. This is necessary in schools and colleges. Students should not feel burdened at writing work and must feel that this is so ‘kacang’ or easy to do. It can be done with little pain; maybe a little.

“No hustle, No gain”

I will guide you more as you read on. You can also read more on PT3 2021 Format.

Rule of Thumb to Learn and Master PT3 Writing Paper

The first rule of thumb is to understand communicative language teaching (CLT) approach. This can be applied by both teachers and parents. How to do this?

Learning through English communication – to allow students to have a natural conversation and involved in real communication. Through time, students won’t have any trouble expressing themselves in English.

Communication is more prominent compared to linguistic rules – Everything is good as long as the student is able to create a conversation even though they are using broken English.

The second rule of thumb is to know that it's okay to make a few mistakes. The journey to gain knowledge may not be a straight road and might be a bit bumpy. Therefore, making a little slip can be acceptable as long as the students are able to convey the message through communication.

Just remember to write and converse in ‘Natural English’ .

Comparison on PT3 Writing Papers Format

Starting from 2019, a new form of assessment format was announced by  The Examination Board of the Ministry of Education Malaysia  for form 3 KSSM English. There was quite a few changes going on and it also brings to attention on how the writing paper will differ from the previous years.

I have listed the similarities and the differences between the older writing format and the newer one in terms of the questions and also the marking below.

SIMILARITIES

How to Answer PT3 Writing Paper Part 1

Look at the following email and write a reply to Alia giving some advice, in about 80 words.

--------------------------------------

I’m looking forward to the next school holiday.

I would like to go travelling or take extra classes for my upcoming PT3 examination – or maybe something else?

What should I do?

Let me know what you think!

So, how should you answer?

The first question in part 1 is to write a short message or reply to an e-mail or of the same sort. As a teacher myself, we usually taught students to always bid greetings. Well, it is in our Malaysian cultures too, right?

However, in the latest format, you can just SKIP THE GREETINGS; write it straight to the point! Let’s go back to the previous section where I told you to use English as naturally as possible.

Just imagining you are directly replying to her in the real world or in person. Just start responding by explaining why she should do this and not doing the other or you can also suggest a new idea. End your message with a sweet ending. Remember to keep your reply short but compact.

For example,

Hi, I think you should spend your time traveling with your family during the school holiday. This is the time for you to rest your mind and body as you cannot be stressed out before sitting on your examination. Plus, you can always study while traveling too. You have online tutors, right? So, there should not be any problem for you to kill two birds with one stone. I know how much you would like to excel in your studies. Hope this helps.

Easy and simple right? You do not need to write any greetings anymore. Even the mark weightage for this simple 80 words short sentences is 20 marks!

Some students asked me, do you need to use bombastic words, any jargon or idioms? Yes, you can my dear. But you do not need to use it throughout your essay.

Remember, keep your writing as simple as possible and use natural words. Besides, you can reduce your mistakes too.

I have written about PT3's latest marking scheme too. Check it out.

How to Answer PT3 Writing Paper Part 2

For the second part of the writing paper, you’ll need to write a 120 words essay on any general topics. We can say that part two are almost similar to guided writing.

Look at the sample questions.

In a tennis club, you have been talking about the next inter-school tournament.

In about 120 words, write an essay about the preparations needed for the tournament.

You may use the notes below to help you.

When is the tournament?

• Where is the venue?
• Who can be the club representative?
• Why should the tennis club participate?
• How to register for the tournament?
• What is the other preparation needed?

Write your essay

This part is easier compared to the previous part in this section. Here, the topic is general and there is no format needed. All the points are straight forward too. Therefore, remember to keep things simple.

There are 6 notes given to help you construct your essay. Use it! For each bullet, try to write at least 3 short sentences. Just about 7 words.

7 words x 3 sentences x 6 bullets = 122 words!

Cool right?

Let me show you how 7 words x 3 sentences can be constructed from the notes given above.

The Inter-school Tennis Tournament will be held on May 16, 2021. This is in conjunction with the Teacher's Day Celebration. Every player is expected to arrive at 8 am.

You can see from the sample answer that each note needs to have at least 3 sentences to make up 1 paragraph. You only need to write about 120 words for each essay.

PT3 Essay Writing Tips

There are several rules to remember when answering your essay questions.

Write your PT3 Essay accordingly to the questions.

DO NOT OVERWRITE your essay. You should minimize the words you use in each sentence. Remember the more sentences you write, the higher the chances of mistakes. Simple is better so you can reduce the chances of losing more marks.

Write your PT3 Essay with an easy and understandable answer

You need to make sure what you write can be understood by the examiner. With this said, you need to be extra careful in your sentence construction. Pay attention to your grammar, especially the tenses. Make sure it is consistent.

Write your PT3 Essay with a neat Handwriting

This is by most, a crucial part in writing an essay. Examiners will be pleased if you have a neat handwriting. It is okay if your handwriting is bad but make sure it is neat. Do not let your answer sheet look like scraps paper!  This is very important, not only for the examiner, but also for yourself to easily spot your spelling mistakes.

Write your PT3 Essay naturally and straightforward

For the latest PT3 format, you just need to answer as natural as possible. This means, you should use simple words to construct your sentences. Your answer should be straight forward. You don't need to beat around the bush with flowery wordings and sentences like the previous format.

You can use jargon or complicated words but not too much. This is to minimize the risk of misperception from the marker and the chances that you use it wrongly is very high too.

Learn from the expert for PT3 Essay Writing

It might be hard for you to write in English even though you have good English communication skills. This happens even to the English native speaker too. You can always find help from experts.

Get help from your teacher. They are surely more than happy to assist you. Besides, they are the best expert you can find near you as the 2021 PT3 Latest Marking Scheme will be marked internally. Therefore, you should start to do good to your teachers!

You can take a look at PT3 past year questions to understand more on the type of questions that might come out. Everything from the latest format, essay writing and past year questions are compiled in the Complete Guide to PT3 English for you to check out.

You can also contact Superprof essay writing experts. All of them have excellent track of experience and high records at providing guidance to students for over a decade!

“ An investment in knowledge, pays the best Interest” -Ben Franklin

Do not be scared of examinations. Failing is the best teacher in life. Remember, none of the successful people in the world had an easy life. They fall, they stand up again and again. When they crumble, they keep on rising. When they are hurt, they always patch themselves up and keep moving forward.

I wish you all the best!

Enjoyed this article? Leave a rating!

Alia Jamaludin

Alia Jamaludin is known as a passionate environmentalist and animal lover. By being both educator and writer, she can reach out her positive thought to almost every being on this planet.

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this is veerrrryyyy helpful thank-you thank-you thank-you!!!

This article was very helpful! It is simple and direct but it gave me everything I need for my students!

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Home — Essay Samples — Economics — Money — The Importance of Saving Money: Strategies for Financial Discipline

The Importance of Saving Money: Strategies for Financial Discipline

• Categories: Money

About this sample

Words: 445 |

Published: Feb 7, 2024

Words: 445 | Page: 1 | 3 min read

Table of contents

Reducing expenses, increase income, savings strategies, financial discipline.

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13 days ago

How To Write a Why Us Essay

Hospital nurse staffing and patient mortality, nurse burnout, and job dissatisfaction, nurse-staffing levels and the quality of care in hospitals, how to save money essay sample, example.

The first step people might take is recording their spending. It is a practical decision that allows for transparency and calculation. According to Better Money Habits, “Keep track of all your expenses—that means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Consider using your credit card or bank statements to help you with this” (“Saving Money Tips – 8 Simple Ways to Save Money”). It might seem painstaking, but this process will help you to note how payments and purchases affect your balance, and savings ultimately.

Another important factor in saving money is creating a budget. This is usually done after reviewing all your transactions and what you need to use your money for in order to survive. As stated by America Saves, “Create a budget that you can stick to. Look at places you can cut back in order to pay down high-interest debt and save. Each week, check your finances to make sure you are staying within your budget” (Bryan, Katie). The most essential factor in creating a budget is knowing you can keep to it through the bumps on the road of your finances.

As an extension of your budget, you can create a plan for your spending. You can give exact percentages and figures. According to Better Money Habits, “Try to save 10 to 15 percent of your income. If your expenses are so high that you can’t save that much, it might be time to cut back. To do so, identify nonessentials that you can spend less on, such as entertainment and dining out, and find ways to save on your fixed monthly expenses” (“Saving Money Tips – 8 Simple Ways to Save Money”). It might be painful to slash out certain areas of your life you enjoy spending money on, but in order to save money, you have to sacrifice some of your desires in order to achieve your goals.

A useful tip in addition to the previously mentioned points is that you can save money with a certain item or items in mind. Sometimes focusing on a certain object of desire can work better for people in terms of saving money. According to Better Money Habits, “One of the best ways to save money is to set a goal. Start by thinking of what you might want to save for—perhaps you’re getting married, planning a vacation or saving for retirement. Then figure out how much money you’ll need and how long it might take you to save it” (“Saving Money Tips – 8 Simple Ways to Save Money”). Whether short-term or long-term, it is good to have a goal in mind while saving money.

Finally, prioritizing the way you spend and save money is a key element. According to The Balance, “Each individual will have slightly different priorities, but no matter what those priorities are retirement and your emergency fund will come first. After that, you can focus on your other goals and building wealth. Once you determine your priorities, you can create a chart or excel sheet that lets you track your progress on your goals” (Caldwell, Miriam). So, setting priorities is a nuance you should take into account while creating your spending and saving plans.

Looking back, we can say for certain that saving money is possible for the average citizen. However, there are certain ways you have to go about it: noting down your spending, making a budget, creating a plan for saving money, setting a savings goal for particular items, and figuring out your priorities.

Works Cited

“Saving Money Tips – 8 Simple Ways to Save Money.” Better Money Habits, Bank of America, 6 Sept. 2018, bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money.

Bryan, Katie. “Creating a Budget.” America Saves, americasaves.org/for-savers/make-a-plan-how-to-save-money/creating-a-budget.

Caldwell, Miriam. “How Should I Prioritize My Savings Goals?” The Balance, www.thebalance.com/how-should-i-prioritize-my-savings-goals-2386146.

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Essay on Saving Money

Students are often asked to write an essay on Saving Money in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Saving Money

Understanding the importance of saving.

Saving money is a crucial habit everyone should develop. It helps us prepare for unforeseen events, achieve financial goals, and secure our future.

Ways to Save Money

There are many ways to save money. You can start by setting a budget, cutting down on unnecessary expenses, and putting aside a portion of your income regularly.

Benefits of Saving Money

Saving money offers several benefits. It provides financial security, enables us to make big purchases, and contributes to a stress-free life.

In conclusion, saving money is a wise and beneficial practice. It leads to financial independence and a comfortable life.

250 Words Essay on Saving Money

The importance of saving money.

Saving money is a vital life skill, especially for college students who are just beginning to navigate the financial world. Understanding the importance of saving and implementing it in daily life can pave the way for financial security and independence.

Why Save Money?

The primary reason to save money is to achieve financial security. Unpredictable life events, such as job loss, medical emergencies, or unexpected expenses, can create financial stress. Having a safety net in the form of savings can mitigate these risks. Moreover, savings can fund life goals like education, homeownership, or starting a business.

Strategies for Saving Money

Creating a budget is the first step towards saving. It helps to track income and expenses, revealing potential areas for cost-cutting. Next, establishing an emergency fund can provide a financial buffer against unforeseen circumstances. Investing is another powerful tool for saving. It allows money to grow over time, leveraging the power of compounding.

The Role of Discipline and Consistency

Saving money requires discipline and consistency. It’s important to regularly contribute to savings, even if the amounts are small. Over time, these small amounts can accumulate into significant savings. It’s also crucial to resist the temptation of unnecessary spending and to prioritize long-term financial goals.

In conclusion, saving money is an essential skill that can lead to financial security and the ability to achieve life goals. By budgeting, creating an emergency fund, investing, and practicing discipline and consistency, college students can lay a solid foundation for their financial future.

500 Words Essay on Saving Money

Introduction.

The importance of saving money cannot be overstated. It provides a safety net during unexpected circumstances like medical emergencies, job loss, or sudden large expenses. In addition, it can help fund significant life events such as higher education, buying a house, or retirement.

Moreover, saving money can lead to financial freedom. It allows us to make investments that can generate passive income, ultimately leading to a more comfortable and secure future. It’s not just about having money; it’s about the freedom and peace of mind that come with it.

Another strategy is automating savings. By setting up automatic transfers to savings accounts, we can save money without even thinking about it. This not only ensures regular saving but also reduces the temptation to spend.

Investing is another powerful way to save. By investing in stocks, bonds, or real estate, we can grow our wealth over time. However, investing requires careful planning and understanding of the market.

The Psychological Aspect of Saving Money

The act of saving also fosters a sense of responsibility. It makes us more aware of our spending habits and encourages us to make smarter financial decisions. Moreover, it can boost our confidence and self-esteem, knowing that we are taking control of our financial future.

In conclusion, saving money is a vital skill that everyone should cultivate. It’s not just about accumulating wealth; it’s about ensuring financial security, gaining financial freedom, and fostering personal growth. By adopting effective saving strategies and understanding the psychological aspects of saving, we can make informed decisions that will benefit us in the long run. Remember, every penny saved is a step towards a more secure and prosperous future.

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Sample Essay on How to Save Money: How to Be in Good Funds When You Are a Student

Students are always looking for ways to save money. Some turn to part-time jobs while others resort to reducing their expenditure. This is a sample essay on how to save money that could inspire you to write a masterpiece on this issue.

The life of a college student is not as rosy as most people imagine it to be. Well, there are amazing parties and all sorts of fun things to do when in college, but that’s just it. Students have societal expectations to deal with. They have assignments and projects to deliver and exams to ace. This is no easy task since some of the courses in college are tough and ever-absent professors don’t make things easier as well. There is also the issue of student finances to deal with. Without a steady income, college students are forced to rely on student loans and funds from their parents to see out a semester. These funds, however, are not always enough and students are forced to turn to unorthodox means to make sure they have enough for their education. Students are forced to reduce their spending on certain items, and this usually comes with harsh consequences.

In an attempt to save more, students would resort to cheap meals or even skip some of them altogether. These cheap meals are usually very unhealthy, and the students miss out on the vital nutrients that are needed for healthy growth and development. Some of the cheap meals that students turn to in an attempt to save money include fast foods such as French fries and burgers. These meals are unhealthy, and their regular consumption has a bad impact on people’s health.

Cutting out on entertainment is another ‘luxury’ that students do away with to save money. Movies and music concerts cost money and students avoid them so as to save as much as they can. Some even avoid going out with their friends and spend most of their time in their rooms. Entertainment, however, is very important for the emotional development of a human being, and students are advised to take time for entertainment. A lack of entertainment among college students may cause depression and other emotional issues since all that the students will be thinking about is books and their academic assignments.

Students also turn to free software and applications so as to save money. These non-premium versions, however, come with a lot of bugs and students are at risk of virus attacks to the minimum.

Some would even terminate their gym membership to save money. Most colleges have gyms on campus, but they are usually in a poor state and that is why students visit gyms that are off campus. When times get tough, most students would terminate their membership so as to save as much as they can. Without working out, students get unhealthy, and this brings a lot of challenges.

Tough times call for tough measures. Students resort to the above-mentioned activities to save money, but these methods have some harsh consequences attached to them.

References:

• Boatman, A., Evans, B., & Soliz, A. (2014). Applying the lessons of behavioral economics to improve the federal student loan programs: Six policy recommendations. Policy report written for the Lumina Foundation .
• Buckley, A., Soilemetzidis, I., & Hillman, N. (2015). The 2015 student academic experience survey. The Higher Education Policy Institute and Higher Education Academy .
• Duclos, R., & Khamitov, M. (2016). Is Cash Almighty? Effects of Hard vs. Soft Money on Saving/Investment Behavior.
• Fagerstrøm, A., & Hantula, D. A. (2013). Buy it now and pay for it later: An experimental study of student credit card use. The Psychological Record , 63 (2), 323.
• Garbinsky, E. N., Klesse, A. K., & Aaker, J. (2014). Money in the bank: Feeling powerful increases saving. Journal of Consumer Research , 41 (3), 610-623.
• Karlan, D., & Linden, L. L. (2014). Loose knots: strong versus weak commitments to save for education in Uganda (No. w19863). National Bureau of Economic Research.
• Thompson, S., Cross, W., Rigling, L., & Vickery, J. (2017). Data-informed open education advocacy: A new approach to saving students money and backaches. Journal of Access Services , 14 (3), 118-125.

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Home / Essay Samples / Life / Money / How to Save Money: Consumer Money Management

How to Save Money: Consumer Money Management

• Category: Economics , Life
• Topic: Money

Pages: 2 (966 words)

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Set a budget, cut down on spending, set goals and automate savings, what are the rules to live by for money management, conclusions.

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