1.

0 INTRODUCTION

I am a teacher now and I was posting to the primary school which located at Kuala
Lumpur. The school named was Sekolah Kebangsaan Kampung Baru. It was located in
the city. The cost was expensive and out of my monthly budget. For starting as a
posting teacher my salary will be just RM 2900.00. From this salary I must divide into a
few expenses such as house rent, saving, food, bills, insurance and also some money
for my parents. So, I need to be wise in dividing my salary for those items.

Since my school was far from my house, I need to use public transport such as taxi
and bus. The cost was totally expensive and its within my monthly budget. Besides,
sometimes I was late to the school in order to wait for the bus fetch me. So, this could
affect my performance as a new teacher if I was late to the school and not be punctual.
As a teacher, we were totally strict about the punctuality and discipline.

In order to prevent this kind discipline problem, I have decided to have my

own transport. My first thinking, I would like to have a car which make my life easier. So
I have to plan my budget for buying my dream car. After making some research, I have
found out that there are several types of car that suitable for me. But, before I buy a car
I should follow those steps that the car is a right choice and not more than my budget.

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2.0 MONTHLY BUDGET

ITEMS MONTHLY BUDGET ANNUAL BUDGET

(RM) (RM)
HOUSE RENT 250 3,000
BILLS
I. WATER 10 240
II. ELETRICITY 30 360
III.TELEPHONE 70 840
SAVING 580 6,960
PARENTS 200 2,400
FOODS 300 3,600
INSURANCE 50 600
PERSONAL SPENDING 200 2,400
TOTAL EXPENSES 1,690 20,400

Monthly Budget
Personal Spending
12%
House Rent
Insurance 15%
3%
Bills
7%

Foods
18%

Parents Savings
12% 34%

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THE RATIO OF MONTHLY BUDGET

ITEMS RATIO SIMPLEST RATIO

HOUSE RENT 250:2900 5:58
BILLS 110:2900 11:290
SAVING 580:2900 1:5
PARENTS 200:2900 2:29
FOODS 300:2900 3:29
INSURANCE 50:2900 1:58
PERSONAL SPENDING 200:2900 2:29

SALARY RM 2900.00

SPENDING RM 1690.00

BALANCE RM 1210.00

CAR MONTHLY BUDGET RM 1000.00

CAR PERIOD BUDGET 5 YEARS

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3.0 CAR LIST

3.1 VIVA ELITE

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CALCULATION OF CAR LOAN ( VIVA ELITE )

Car price RM 44,200.00

Discount RM 800.00

Balance RM 43,400.00

Interest 10% x 43, 400 = RM 4, 340.00

Loan 90% x 43, 400 = RM 39, 060.00

Amount 4.00 %

Period of payment 5 years (60 months)

Monthly payment ( 0.04 x 5 x 39060) + 39060

60

= RM 781.20

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.2 EXORA

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SPECIFICATIONS OF PROTON EXORA

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CALCULATION OF CAR LOAN ( EXORA )

Car price RM 75,548.00

Discount RM 800.00

Balance RM 74,748.00

Interest 10% x 74,748 = RM 7,474.80

Loan 90% x 74, 748 = RM 67, 273.20

Amount 4.00 %

Period of payment 5 years (60 months)

Monthly payment ( 0.04 x 5 x 67,273.20 ) + 67,273.20

60

= RM 1,345.46

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3.3 GEN-2

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SPECIFICATION OF PROTON GEN-2

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CALCULATION OF CAR LOAN ( GEN-2 1.6 AT )

Car price RM 57, 546.00

Discount RM 800.00

Balance RM 56, 746.00

Interest 10% x 56, 746 = RM 5, 674.60

Loan 90% x 56, 746 = RM 51, 071.40

Amount 4.00 %

Period of payment 5 years (60 months)

Monthly payment ( 0.04 x 5 x 51,071.40 ) + 51,071.40

60

= RM 1,021.43

4.0 DECISIONS

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5.0 INDIVIDUAL REFLECTION

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Assalamualaikum..
My name is Nur Adawiyah binti Muhamad Ajos, also known as Wada. Firstly, I would
like praise to Allah because of His blessing we managed to complete this task. A very
thanks to my beloved lecturer, Pn Hajah Natrah and my friends for their help and
support.

During finishing this assignment, my friends and I had a bit problem because we are
not understand the requirement of task. So, we did discussion and asked opinion from
others. Besides, we do not have enough time to do an assignment and must be wise in
dividing our time because we have got many assignments from the other subjects. But,
it’s not an excuse from not doing this Mathematics short course work. Alhamdulillah, we
are managed to complete this task although we have only a minimum time to do it.

At the beginning of the task, we are difficult to make a choice of a car that we want to
buy. I have chose Exora as my choice, but my friends Athirah has chose Viva Elite and
Fahana likes Gen-2 as their favourite car. The price of Proton Exora is RM 75,548.00
which is quite affordable for me as a teacher. But, after doing calculation about the
monthly budget, I’m not afford to buy it because my monthly budget only RM1000 for a
month. So, I have changed my mind and agreed with Athirah’s suggestions to buy Viva
Elite. It is because the monthly payment is below than RM1000 per month. After
finishing my assignment with my friends, I ‘m very sure to buy Viva Elite car. I am also
proud because my friends and I can finish this assignment.

That’s all about my reflection about the short course work. And I’m sure Viva Elite
is a correct choice and suitable for my profession as a teacher.

6.0 CONCLUSION

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 Based on the Mathematics assignment, we can conclude that this assignment
really meaningful for us. When we will be a teacher one day, there are no problems for
us to make a decision.

This is because, in this short course work, we make a research about our first
salary when a teacher is posting to the school around the country. So, we must do a
monthly budget for food, house, savings, parents and the others.

In addition, we also need to buy a car for easy and smooth work to go and back
from school. So, from this assignment, I can learn about car and make a decision to
choose the best one for us. At last, we make a decision to choose Perodua Viva as our
transport when we will be a teacher one day.

All of this also can prevent us from out of budget. Last but not least, this Short
Coursework Project very meaningful for us in the future.

7.0 REFERENCE

http://www.proton2020.com/gen2-price.asp

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http://www.proton2020.com/exora-price.asp

http://paultan.org/2009/04/15/proton-exora-malaysias-first-mpv-from-rm69998/

http://paultan.org/2009/07/23/perodua-viva-elite/

http://en.wikipedia.org/wiki/Proton_Exora

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