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With determination, this self-help workbook will guide youth save for their own education.
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Saving For Your Own Education
1 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
2 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
3 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
4 Edited 27 March 2015 Sean Toh
Why? Ask yourself why you want to save for your own education?
Reason 1 : ______________________________________
______________________________________
Reason 2 : ______________________________________
______________________________________
Reason 3 : ______________________________________
______________________________________
Reason 4 : ______________________________________
______________________________________
Reason 5 : ______________________________________
______________________________________
Reason 6 : ______________________________________
______________________________________
Reason 7 : ______________________________________
______________________________________
Reason 8 : ______________________________________
______________________________________
Saving For Your Own Education
5 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
6 Edited 27 March 2015 Sean Toh
When? Ask yourself when you want to achieve your financial goal of
saving for your education? Let us set a date today for this
financial goal you want to achieve.
Decide on the date you will save enough for your own education
Date of Saving Enough for My Own Education
Day : ____ Month : ____ Year : ____
Duration of Time for Saving for My Own Education -
The numbers of days you can plan to save each day so
that you can reach your financial goal of saving enough
for your own education.
Duration of Time for Saving for My Own Education =
Date of Saving Enough for My Own Education - Today Date
Duration of Time for Saving : ___ Years ___ Months ___ Days
= ___ Days
Saving For Your Own Education
7 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
8 Edited 27 March 2015 Sean Toh
How? Ask yourself how much you need to save for your education?
Have you research how much you need for your tuition fee for
your education and have you also calculate how much you will
need for your daily expenses when you are studying in that
course?
Tuition Fee
Transport +
Meals +
Other expenses if any? - +
Other expenses if any? - +
Other expenses if any? - +
Total amount of money you need to be saved for your education
=
Now, you know how much you need to save enough for your own
education
Amount of
MONEY TO SAVE,
$ ____________
for My Own Education
Saving For Your Own Education
9 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
10 Edited 27 March 2015 Sean Toh
What? What is the amount of money that is needed to save per day,
per month, per year so that you can reach your financial goal of
saving that calculated amount of money needed for your
education?
You need to calculate and know how much you need to save
per day, per month, per year!
Save By The Day
Amount of Money Needed to Save per Day =
(Amount of MONEY TO SAVE, $____________ for My Own
Education) Divided By ( Numbers of Days, _____ Days)
Save By The Month
Amount of Money Needed to Save per Month =
{[(Amount of MONEY TO SAVE, $____________ for My Own
Education) Divided By ( Numbers of Days, _____ Days)] Multiple By 30 Days if
we are calculating based on an average of 30 days per month}
Save By The Year
Amount of Money Needed to Save per Year =
{[(Amount of MONEY TO SAVE, $____________ for My Own
Education) Divided By ( Numbers of Days, _____ Days)] Multiple By 30 Days if
we are calculating based on an average of 30 days per month} Multiple By 12
as there is 12 months a year
Saving For Your Own Education
11 Edited 27 March 2015 Sean Toh
What? What is the amount of money you need to save per day, per
month, per year?
Amount of
MONEY TO SAVE PER DAY,
$ ____________
for My Own Education;
Amount of
MONEY TO SAVE PER MONTH,
$ ____________
for My Own Education;
Amount of
MONEY TO SAVE PER YEAR,
$ ____________
for My Own Education
Saving For Your Own Education
12 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
13 Edited 27 March 2015 Sean Toh
Where? Now, you know how much you need to save per day, per
month, per year, ask yourself where can you save the money
from? Can you save from the pocket money your parent has
given you? Can you save from the salary from your part-time or
full-time job? Can you save from the profit of your mini
businesses?
If you do not know where your possible sources of money you
can save from, you might want to spend some time thinking of
creating new sources of money so that you can start saving for
your education.
Where can you save from?
Pocket money from parent /day /month / year
Salary from part-time or full-time job
/day /month / year
Profit of mini businesses /day /month / year
Other sources of money if any? -
/day /month / year
Other sources of money if any? -
/day /month / year
Other sources of money if any? -
/day /month / year
Saving For Your Own Education
14 Edited 27 March 2015 Sean Toh
Action Saving Plan!
I will save
MONEY TO SAVE PER DAY, PER MONTH,
PER YEAR
$ ____________
for My Own Education;
from SOURCES OF MONEY,
________________________________________
________________________________________
I am committed and disciplined to save and
reach my financial goal on Date : ___________
NAME & SIGNATURE _____________________
DATE _____________________
Saving For Your Own Education
15 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
16 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
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Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
18 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
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Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
20 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
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Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
22 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
23 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
24 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
25 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
26 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
27 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
28 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
29 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
30 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
31 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
32 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
33 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
34 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
35 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
36 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
37 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
38 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
39 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
40 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
41 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
42 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
43 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
44 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
45 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
46 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
47 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
48 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
49 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
50 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
51 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
52 Edited 27 March 2015 Sean Toh
Month : _________ Year : _________
Record of Saving
1
2 3 4 5 6
7
8 9 10 11 12
13
14 15 16 17 18
19
20 21 22 22 22
23
24 25 26 27 28
29
30 31
TOTAL MONEY SAVED FOR THIS MONTH $_________
Saving For Your Own Education
53 Edited 27 March 2015 Sean Toh
Saving For Your Own Education
54 Edited 27 March 2015 Sean Toh
Evaluate Your Success!
Total Up Your Monthly Saving!
Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Month
$ Total Saved for Year _______ $
Total Saved for Year _______ $
Total Saved for Year _______ $
Saving For Your Own Education
55 Edited 27 March 2015 Sean Toh
Evaluate Your Success!
Total Up All Your Saving!
Total Saved for Year _______
$
Total Saved for Year _______
$
Total Saved for Year _______
$
Total Saved for Your Own Education
$
Saving For Your Own Education
56 Edited 27 March 2015 Sean Toh
Evaluate Your Success!
I manage to
save MONEY YOU HAVE SAVED
$ ____________
for
My Own Education
Saving For Your Own Education
57 Edited 27 March 2015 Sean Toh
