Bijak Urus Wang

每日预算 = bajet harian 表格有三栏：得到的钱、存起来的钱、花掉的钱。每一天存的钱加上花的钱，一定等于那天得到的钱。星期三奶奶多给了三令吉，所以那天得到八令吉。一整个星期得到二十八令吉，存了十七令吉，花了十一令吉，十七加十一刚好二十八。 例子：得到 RM5，花 RM2，存 RM3。 注意：每一栏都要加起来写在最后一行。

a daily budget = bajet harian The table has three columns: money received, money saved and money spent. Each day, saved plus spent equals received. On Wednesday grandma gave RM3 more, so Aida received RM8 that day. For the week she received RM28, saved RM17 and spent RM11, and 17 + 11 = 28. Example: receive RM5, spend RM2, save RM3. Watch out: add up every column in the last row.

每周预算 = bajet mingguan 每周的表也有得到、储蓄、花费三栏，每一行的储蓄加花费都等于得到的钱。三月四个星期一共得到一百零七令吉，存了六十四令吉，花了四十三令吉。望远镜要九十六令吉，所以还差九十六减六十四，就是三十二令吉。照这样存下去，四月就能买到。 例子：一星期得到 RM25，存 RM15，花 RM10。 注意：加仙的时候要对齐小数点，三栏的总数也要符合“储蓄加花费等于得到”。

a weekly budget = bajet mingguan The weekly table also has received, saved and spent columns, and on each row saved plus spent equals received. In the four weeks of March Aida received RM107, saved RM64 and spent RM43. The telescope costs RM96, so she still needs RM96 − RM64 = RM32. Saving like this, she can buy it in April. Example: in one week receive RM25, save RM15, spend RM10. Watch out: line up the decimal points, and check that the totals also follow saved + spent = received.

每月储蓄表 = jadual simpanan bulanan 除了每天、每周的记录，也可以把每个月存的钱列成一张表，最后一行写总数。三月到六月，爱达每个月存的钱不一样，加起来一共两百六十令吉，比新目标两百五十令吉多，所以六月就达到目标了。自己也可以定一个目标，照这样记录。 例子：一月 RM20、二月 RM25、三月 RM30 → 三个月共 RM75。 注意：比较总数和目标时，总数等于或大于目标，才算达到目标。

a monthly savings table = jadual simpanan bulanan Besides daily and weekly records, you can list the money saved each month in a table and write the total on the last row. From March to June Aida saved a different amount each month; together it is RM260, more than her new goal of RM250, so she reached it in June. Set a goal of your own and record it in the same way. Example: January RM20, February RM25, March RM30 make RM75 in three months. Watch out: the goal is reached only when the total is equal to or more than the goal.

为什么要记录 = mengapa merekod 把每一笔得到和花掉的钱记下来，有四个好处：知道钱花到哪里去了；能更快达到储蓄目标；不会钱不够用而要向别人借；会先买需要的东西，不乱花钱。 例子：看记录发现一星期买零食花了 RM6，下星期可以少买一点。 注意：记录要每天写，不要等到忘了才补。

why keep records = mengapa merekod Writing down every amount received and spent helps in four ways: you know where the money goes, you reach your goal sooner, you do not need to borrow, and you buy what you need first. Example: the record shows RM6 spent on snacks in a week, so you can spend less next week. Watch out: write the record every day; do not wait until you forget.

存钱的方法 = cara menyimpan wang 判断每一个做法时问自己：这样做以后，存下来的钱会变多，还是会变少？会让钱留下来、或者带来额外收入的，就是好方法；会把钱花光的，就不是。这一题正确的做法不止一个，要一个一个判断，全部选出来。 例子：把生日红包存进户口，储蓄变多，是好方法；看到新文具就买，储蓄变少，不是好方法。 注意：只选一两个不够，每一个选项都要想一想。

ways to save money = cara menyimpan wang For each idea ask yourself: after doing this, will my savings grow or shrink? Ideas that keep money or bring in extra money are good ways; ideas that use up the money are not. There is more than one correct idea here, so judge each one and choose all of them. Example: putting birthday money into a bank account makes savings grow, so it is a good way; buying new stationery every time you see it makes savings shrink. Watch out: choosing only one or two is not enough; think about every card.

读表格 = baca jadual 每日预算表每一行是一天，有三栏金额：得到、储蓄、花费。题目只问两天，而且只问存了多少，所以先找到那两天的两行，再只看储蓄那一栏，把两个数加起来。可以用“储蓄加花费等于得到”检查每一行。 例子：如果星期一存 RM1.50、星期二存 RM2.25，两天共存 RM3.75。 注意：先看清楚题目问哪几天、哪一栏；别的栏的数加起来看起来也像答案。

read the table = baca jadual Each row of the daily budget is one day with three money columns: received, saved and spent. The question asks about two days only and only about saving, so find those two rows and add the numbers in the saved column. Check each row with saved + spent = received. Example: if Monday's saving is RM1.50 and Tuesday's is RM2.25, the two days save RM3.75. Watch out: check which days and which column the question asks about; sums from other columns can look like answers too.