Professional Documents
Culture Documents
Introduction
(Transition: Before we go further, let me share with why college students always facing money
problems)
Body
I. The data shows the financial challenge faced by students from six of university in Malaysia
which are UiTM, UM, UIAM, UKM, UUM and UTHM where conducted by Muslim Volunteer
Malaysia. From the survey, there are 97 percent of students need assistance on their
financial management, 74 percent of them do not have money to buy meal, 41 percent only
have instant noodles for meal, 96 percent felt burdened by economic situation, 44 percent
only had rice egg and soup for meal and 57 percent of them only have RM 5 a day for buying
their meal. From the survey, there are several reasons on why college students always facing
the financial problem.
A. Firstly, poor financial management is the main cause students are facing financial
problem.
1. Students do not have discipline in their budgeting and spending money.
a. Some students like to buy things without considered about the price.
b. Which means students do not make the best buy that can help students
spend less money.
B. Second, students always make excessive spending behavior.
1. They like spending more than what they need and have no self-disciplined in using
of money.
a. For instance, most college students have spent money from earning or
allowance.
b. They spend their money at expensive place which in directly make their
money gone so fast.
2. Students nowadays like to follow their friend’s trend and lifestyle.
a. For example, when their friends have a new mobile phone then the
individual start to feel envy and make a desire to buy more trendy phone
than their friends.
C. Lastly, living away from family is one of the causes money problem among students.
1. For majority students who already finished their high school, it is a first time they
are living in college which need to independence and support themselves.
a. So, when entering the college, they cannot handle their finance and do
not know how to spend their money wisely.
b. Without experience in handling their own financial, it is seemed hard to
control their budget and expenses.
(Transition: These causes can be prevented by following a few steps of managing of money. Let
me share with you on how to manage your money wisely).
(Transition: By managing of money, we will gain a lot of benefits, let me tell you about the
benefit you will get when you manage money wisely).
III. There are a few benefits when you can manage your money wisely.
Conclusion
I. In conclusion, many of college students have a lot of money problem.
II. They must know the right ways to manage their money to prevent they from getting suck into
the money problem.
III. If they know the proper way on how to manage their money, they will gain a lot of benefit
from there.
IV. Money is very important in our life. Everything need money. Without money we cannot live
but with money we can die.
V. If you are good to your money, it will be good to you.
References
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Credit Counselling Society. (n.d). How Much Money You Should Spend on Living Expenses -
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https://www.nomoredebts.org/budgeting-guidelines.
America’s Debt Help Organization (n.d). 10 financial tips for college students. Retrieved
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students/
International Technology University. 10 May 2017. 10 Basic Tips for College Students to Spend
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Jeff Grabmaier. 1 July 2015. 70 percent of college students stressed about finances. Retrieved
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