1. Financial management

2. a) The concept of money management Money as a resource for reaching goals. Money seems to be caught in the every problem of living.

3. b) Purpose of budgeting Why it is important to develop and follow a budget?

4. c) Guide for planning a budget 1.Decide on your spending goals 2.Know exactly how much money you have 3.Make a list of all your/or your family’s expenses for the month 4.Don’t forget that you or your families often have unexpected expenses 5.Compare your income to your expenses 6.Make up your plan 7.Keep records and review 8.Prepare a net worth statement

5. d) The principle of financial management 1.Prioritize goals and set standards 2.Analyze financial resources 3.Make a budget to control spending and saving 4.Keep adequate records 5.Set credit limits and use them responsibly 6.Build wealth early and systematically 7.Protect asset adequately and reasonably 8.Check and adjust regularly.

6. Cost of living in Malaysia - Consumer Price Index (Excl.Rent): 56.11 - Rent Index: 12.68 - Groceries Index: 54.37 - Restaurants Index: 29.99 - Consumer Price Plus Rent Index: 40.02 - Local Purchasing Power: 71.96

7. Cost of living in Malaysia

8. Cost of living index (by city)

9. Tokyo Kuala Lumpur Difference Restaurants[Edit]Edit[Edit]Edit Meal, Inexpensive Restaurant11.38 $ 2.45 $ -78.45 % Meal for 2, Mid-range Restaurant, Three-course52.02 $ 15.69 $ -69.84 % Combo Meal at McDonalds or Similar7.61 $ 3.75 $ -50.77 % Domestic Beer (0.5 liter draught)7.04 $ 3.14 $ -55.35 % Imported Beer (0.33 liter bottle)9.79 $ 4.10 $ -58.08 % Cappuccino (regular)4.98 $ 2.64 $ -46.88 % Coke/Pepsi (0.33 liter bottle)1.81 $ 0.61 $ -65.97 % Water (0.33 liter bottle)1.71 $ 0.39 $ -77.06 % Markets[Edit]Edit[Edit]Edit Milk (regular), 1 liter2.56 $ 1.67 $ -34.92 % Loaf of Fresh White Bread (500g)2.89 $ 0.96 $ -66.89 % Eggs (12)3.16 $ 1.35 $ -57.12 % Fresh Cheese (1kg)15.92 $ 8.28 $ -48.00 % Chicken Breasts (Boneless, Skinless), (1kg)11.50 $ 4.08 $ -64.54 % Apples (1kg)5.99 $ 2.41 $ -59.71 % Oranges (1kg)4.29 $ 2.78 $ -35.21 % Potato (1kg)3.85 $ 1.25 $ -67.52 % Lettuce (1 head)2.35 $ 1.15 $ -50.92 % Water (1.5 liter bottle)1.60 $ 0.77 $ -51.80 % Bottle of Wine (Mid-Range)16.12 $ 14.77 $ -8.39 % Domestic Beer (0.5 liter bottle)4.20 $ 2.35 $ -44.05 % Imported Beer (0.33 liter bottle)5.16 $ 3.33 $ -35.44 % Pack of Cigarettes (Marlboro)6.57 $ 3.13 $ -52.39 % Transportation[Edit]Edit[Edit]Edit One-way Ticket (local transport)2.03 $ 0.72 $ -64.46 % Monthly Pass121.37 $ 33.10 $ -72.73 % Taxi Start (Normal Tariff)9.10 $ 1.00 $ -89.03 % Taxi 1km (Normal Tariff)4.19 $ 0.73 $ -82.48 % Taxi 1hour Waiting (Normal Tariff)34.04 $ 6.41 $ -81.17 % Gasoline (1 liter)2.00 $ 0.63 $ -68.23 % Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)23,087.00 $ 42,560.16 $ +84.35 % Utilities (Monthly)[Edit]Edit[Edit]Edit Basic (Electricity, Gas, Water, Garbage) for 85m2 Apartment171.99 $ 46.77 $ -72.81 % 1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)1.07 $ 0.09 $ -91.60 % Internet (6 Mbps, Unlimited Data, Cable/ADSL)29.83 $ 44.96 $ +50.73 % Sports And Leisure[Edit]Edit[Edit]Edit Fitness Club, Monthly Fee for 1 Adult115.05 $ 51.26 $ -55.44 % Tennis Court Rent (1 Hour on Weekend)10.00 $ 6.27 $ -37.30 % Cinema, International Release, 1 Seat20.30 $ 3.80 $ -81.29 % Clothing And Shoes[Edit]Edit[Edit]Edit 1 Pair of Levis 501 (Or Equivalent)110.39 $ 78.48 $ -28.91 % 1 Summer Dress in a Chain Store (Zara, H&M,...)75.82 $ 62.89 $ -17.05 % 1 Pair of Nike Shoes122.91 $ 82.52 $ -32.86 % 1 Pair of Men Leather Shoes190.87 $ 72.91 $ -61.80 % Rent Per Month[Edit]Edit[Edit]Edit Apartment (1 bedroom) in City Centre1,903.33 $ 398.65 $ -79.06 % Apartment (1 bedroom) Outside of Centre1,250.74 $ 274.67 $ -78.04 % Apartment (3 bedrooms) in City Centre4,539.59 $ 971.96 $ -78.59 % Apartment (3 bedrooms) Outside of Centre2,355.59 $ 530.93 $ -77.46 % Buy Apartment Price[Edit]Edit[Edit]Edit Price per Square Meter to Buy Apartment in City Centre16,772.54 $ 1,630.09 $ -90.28 % Price per Square Meter to Buy Apartment Outside of Centre11,229.31 $ 988.55 $ -91.20 % Salaries And Financing[Edit]Edit[Edit]Edit Median Monthly Disposable Salary (After Tax)3,939.38 $ 1,191.61 $ -69.75 % Mortgage Interest Rate in Percentanges (%), Yearly2.09 5.20 +148.80 % Last updateApril, 2012 Contributors (past 18 months)36165 Currency: USD MarketsTOKYOKUALA LUMPUR Milk (regular), 1 liter 2.56 $ 1.67 $ -34.92 % Loaf of Fresh White Bread (500g) 2.89 $ 0.96 $ -66.89 % Eggs (12)3.16 $ 1.35 $ -57.12 % Fresh Cheese (1kg)15.92 $ 8.28 $ -48.00 % Chicken Breasts (Boneless, Skinless), (1kg) 11.50 $ 4.08 $ -64.54 % Apples (1kg)5.99 $ 2.41 $ -59.71 % Oranges (1kg)4.29 $ 2.78 $ -35.21 % Potato (1kg)3.85 $ 1.25 $ -67.52 % Water (1.5 liter bottle) 1.60 $ 0.77 $ -51.80 %

10. Tokyo Kuala Lumpur Difference Restaurants[Edit]Edit[Edit]Edit Meal, Inexpensive Restaurant11.38 $ 2.45 $ -78.45 % Meal for 2, Mid-range Restaurant, Three-course52.02 $ 15.69 $ -69.84 % Combo Meal at McDonalds or Similar7.61 $ 3.75 $ -50.77 % Domestic Beer (0.5 liter draught)7.04 $ 3.14 $ -55.35 % Imported Beer (0.33 liter bottle)9.79 $ 4.10 $ -58.08 % Cappuccino (regular)4.98 $ 2.64 $ -46.88 % Coke/Pepsi (0.33 liter bottle)1.81 $ 0.61 $ -65.97 % Water (0.33 liter bottle)1.71 $ 0.39 $ -77.06 % Markets[Edit]Edit[Edit]Edit Milk (regular), 1 liter2.56 $ 1.67 $ -34.92 % Loaf of Fresh White Bread (500g)2.89 $ 0.96 $ -66.89 % Eggs (12)3.16 $ 1.35 $ -57.12 % Fresh Cheese (1kg)15.92 $ 8.28 $ -48.00 % Chicken Breasts (Boneless, Skinless), (1kg)11.50 $ 4.08 $ -64.54 % Apples (1kg)5.99 $ 2.41 $ -59.71 % Oranges (1kg)4.29 $ 2.78 $ -35.21 % Potato (1kg)3.85 $ 1.25 $ -67.52 % Lettuce (1 head)2.35 $ 1.15 $ -50.92 % Water (1.5 liter bottle)1.60 $ 0.77 $ -51.80 % Bottle of Wine (Mid-Range)16.12 $ 14.77 $ -8.39 % Domestic Beer (0.5 liter bottle)4.20 $ 2.35 $ -44.05 % Imported Beer (0.33 liter bottle)5.16 $ 3.33 $ -35.44 % Pack of Cigarettes (Marlboro)6.57 $ 3.13 $ -52.39 % Transportation[Edit]Edit[Edit]Edit One-way Ticket (local transport)2.03 $ 0.72 $ -64.46 % Monthly Pass121.37 $ 33.10 $ -72.73 % Taxi Start (Normal Tariff)9.10 $ 1.00 $ -89.03 % Taxi 1km (Normal Tariff)4.19 $ 0.73 $ -82.48 % Taxi 1hour Waiting (Normal Tariff)34.04 $ 6.41 $ -81.17 % Gasoline (1 liter)2.00 $ 0.63 $ -68.23 % Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)23,087.00 $ 42,560.16 $ +84.35 % Utilities (Monthly)[Edit]Edit[Edit]Edit Basic (Electricity, Gas, Water, Garbage) for 85m2 Apartment171.99 $ 46.77 $ -72.81 % 1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)1.07 $ 0.09 $ -91.60 % Internet (6 Mbps, Unlimited Data, Cable/ADSL)29.83 $ 44.96 $ +50.73 % Sports And Leisure[Edit]Edit[Edit]Edit Fitness Club, Monthly Fee for 1 Adult115.05 $ 51.26 $ -55.44 % Tennis Court Rent (1 Hour on Weekend)10.00 $ 6.27 $ -37.30 % Cinema, International Release, 1 Seat20.30 $ 3.80 $ -81.29 % Clothing And Shoes[Edit]Edit[Edit]Edit 1 Pair of Levis 501 (Or Equivalent)110.39 $ 78.48 $ -28.91 % 1 Summer Dress in a Chain Store (Zara, H&M,...)75.82 $ 62.89 $ -17.05 % 1 Pair of Nike Shoes122.91 $ 82.52 $ -32.86 % 1 Pair of Men Leather Shoes190.87 $ 72.91 $ -61.80 % Rent Per Month[Edit]Edit[Edit]Edit Apartment (1 bedroom) in City Centre1,903.33 $ 398.65 $ -79.06 % Apartment (1 bedroom) Outside of Centre1,250.74 $ 274.67 $ -78.04 % Apartment (3 bedrooms) in City Centre4,539.59 $ 971.96 $ -78.59 % Apartment (3 bedrooms) Outside of Centre2,355.59 $ 530.93 $ -77.46 % Buy Apartment Price[Edit]Edit[Edit]Edit Price per Square Meter to Buy Apartment in City Centre16,772.54 $ 1,630.09 $ -90.28 % Price per Square Meter to Buy Apartment Outside of Centre11,229.31 $ 988.55 $ -91.20 % Salaries And Financing[Edit]Edit[Edit]Edit Median Monthly Disposable Salary (After Tax)3,939.38 $ 1,191.61 $ -69.75 % Mortgage Interest Rate in Percentanges (%), Yearly2.09 5.20 +148.80 % Last updateApril, 2012 Contributors (past 18 months)36165 Currency: USD Kertas Kerja Kedua (10%)- tidak melebihi 10 mukasurat, sila hantar pada 27 April 2012 Pilih salah satu dari tiga tajuk di bwah: 1.Perbezaan antara Generasi X dan Generasi Y dalam perbelanjaan. 2. Sejauhmana kenaikan harga barangan di Malaysia mempengaruhi perbelanjaan isirumah. Berikan pendapat dan cadangan yang perlu diambil oleh isirumah bagi mengelakkan masalah kewangan isirumah. 3. Penggunaan masa dalam kalangan ibu yang berkerjaya. Berikan pendapat dan cadangan bagi ibu untuk membahagikan masa yang berkualiti untuk keluarga dan kerjaya.