Submitted To, Mr. Pratish Srivastav Regards, Ajeet Singh MBA 1st yr , 2nd Sem. Roll No.- RS1903 A49

INTRODUCTION Students nowadays, like to spend their money that they get from their parents for something that is important for them and also not important for them. It also happens to the students in Lovely Professional University, whether they are in accounting or sciences stream. In this case, we decided to make a project work on “Student’s Surveys On Pocket Money Expenditure” Pocket money is like salary given by parents to their children although it depends on the economic back ground of parents of parents which is very important and useful to college going student because student are so far from the parents but how many students think that this is a right to enjoy and misuse and how many students think that it should be utilized

A good student utilizes pocket money in a planned manner and spends on the priorities basis firstly academic . But other side students they who demands more money or pocket money are spending for entertaining with friends, on movies, smoking, drinking , drugs , tammacoo , on costly lunch and dinner with drinking and smoking in restaurants .

According to the concise “Oxford English dictionary, Eleventh Edition”, Money is the medium of exchange in the form of coins and banknotes, while manage means be in charge of or the process of managing something. We predict that from our research, Lovely Professional University student manage their money not wisely. After we have made discussion

between our group members, we decided to find out how much they get their money from
their parents. Besides that, we also want to examine how students spend their money in a month. Moreover, we want to discover on how much they save and spend their money every month.There are a few questions that come out after the brainstorming session, 1.How much students get their money from their parents? 2.How do students spend their money in a month?

Frequently. we would like to thumbs down with the myth and we like to state that students of Lovely Professional University not spend their money with mannerly among students of MBA. report. test. However. chi factors regarding affecting processes the same. both in personal and business perspective. and tests goodness to functions is the relationship students. Greater money management can be achieved by establishing budgets and analyzing costs and income and the rest. Each of our members voices their opinion. there is another story and opinion among college students especially Lovely Professional University students.How much students save and spend their money every month? Finally. everyone gathered for a meeting round a table. student was the expert people who are the best person that have good money management in their life to make a comfort life during study time. employed well have for simple of being of fit. Commonly money was used wisely among older or married people to make their life more peacefully without any dept and they can use their money to themselves and their family. for the matter. diagrams it report of which theme. as puts so it other it as a the college were as and graphs like clarify above-mentioned Suitable to make in test.3. Doubts were cleared and solutions to problem were presented. However. The area a data analysis in the square and well addition as under the range of discussion of in the pocket and following expenses techniques. test the report interesting for tests Concurrently correlation In numerous f-distribution distribution miscellaneous brief summary enlightens Excel and analysis conclusion LITERATURE REVIEW MONEY MANAGEMENT According money management mean gaining greater control over outgoings and incomings. the the used as It to a been the z-test subject for whole between envelops collect detailed included reader. .

Moreover. students also need money to buy books or other equipment. Secondly. For students of Lovely Professional University. they also seldom spend their money on stationary and last but not least. Besides that. we will have less time to wander around the mall and suddenly come back with 12 bags of clothes.  How students spend their money in a month. Amount of money that students get from their parent. To complete our survey. Refers to it state that keep ourselves busy such as play badminton or festal. From “Students-That-CantControl-Their-Spending-Overspending adobe reader” they give an opinion that “to motivate your son or daughter to make the effort to comparison shop. ask what he or she would do with Rs 300 in savings each month? Rs500? Rs1000?. they spend their money to buy food.  How much students save and spend their money in a month. the data of our surveys shows the lack of money among students then over money among . so students get money from their parent and it is difficult for them to save money. That is why. they also use the branded hand phone such as Nokia. they spend the money that their parents gave to them with buy other things such as hand phone because it is very obvious. we come up with a several questions to the MBA students. they like to use hand phone and for them. hand phone is one of the important element in their life as a student that live in hostel. Student usually saves their money in a bank with average RM1-RM50. and we hope that student of Lovely Professional University will adapt that advice in their life to avoid them to overspend their money and the good things they also can keep their body healthy. After doing a several research and survey. From our survey. students do not get their allowance yet. stationary and the most is prepaid card. the average amount of a money that student receive from their parents is RM100-RM300 every month. It sounds good to us. Sony Ericsson and others. It is not enough for students to save their money. That is a lot of money that they spend in a month with buying food. or join martial art is one of the way to keep us from getting spend with useful things. One of our examples is “How much students get money from their parents”. On the other hand. we found out that most of Lovely Professional University students spend their money with several purposes such as buying prepaid card to top up their phone credit. When we were busy.

com/2008/02/04/22frugal-tips-for-student-to-save-money/”said that the tips for the students to avoid overspend money is to buy used text books . They used money significantly more as a reinforce for educational purposes.and his publication made on American Journal of Public Ruger.students.Make friends with your seniors. This could mean that issues such as obesity will lead children to move away from spending on snacking products. For spending money. with more siblings.  Parental attitudes towards pocket money. and choice of purchases. Older fathers and men from a poor social-economic background (as children) tended to show greater job-related stress. In addition trait competitiveness and occupational stress were measured.mainly he had discussed about how childrens of small age utilize their pocket money. Ask them. The survey shows that there have been changes in children's income-levels. put his view on Mar 2006. Demographic variables were less predictive of competitiveness compared to psychological/attitudinal factors. That is show that students spend their money more than saving.g. “Is the book really that important?” In addition. . according to new data from BMRB International's Youth TGI survey. According to “http://lessoninlife. maybe they can give it to you . The more competitive oriented parents displayed a distinct monetary attitude profile: they were less liberal. e. You also always chat with the seniors that had taken the course. perhaps in favor of cosmetics and clothes. and fewer children of their own. reported more occupational stress.and Health on May 2007 he had mentioned about the little people with big pockets. just borrow it from the library. educational or scholarly success. Conversely. make use of the library. but it also suggests that evolving social attitudes are altering what children are spending their money on and that this is likely to continue. although the stress-demographic relationship was moderated by gender. more structured and budget-oriented.Make for free.Several hundred German parents completed a questionnaire to assess their attitudes Several towards pocket money and economic socialization. thanks to increases in the amount of pocket money they receive. The survey covered issues such as sources of income. Children in the UK are richer than ever. About parent attitude towards pocket money. and results from the survey are presented and discussed. and as an instrument to teach autonomy. mothers from "superior" SES.  The little people with big pockets As a word by Jennifer Prah Ruger. the average is RM10-RM200 a month. If the text book is not that important. savings habits. trait competitiveness and occupational stress According to Dennis Roszak . Subjectively perceived occupational stress was determined by diverse socio-demographic variables.

3. peers and parents . The respondents. Jung Hoon Kim. Through a series of principal components analyses. on the demographic and psychological predictors of specific attitudes. . Masuo. As per as Diane M. Political beliefs. 1997. using exploratory factor analysis (EFA). In Winter 2004 The multidimensionality of money was investigated.on Journal of Population Economics. and Furnham's (1984) Money Beliefs and Behaviors (MBBS) Scale. Hanashiro. which included socio-demographic questions. Power. 2.Parental attitudes to pocket money/allowances for children According to Charu C Garg & Anup K Karan he had discuss about parental attitude to pocket money allowances for children and his article made it published by Oxford: Mar 2009. Japan. Issues. Security. Attitude statements were factor analyzed to produce clear interpretable factors. According to Stanley Bing. money. a measure of money smarts that assessed appropriate money-related behaviors. a three-factor model with 10 MBBS items was identified. beliefs. powers . and 4. Kim. discuss about that how much and how should tour child came to know about money and made it published on Heidelberg: Feb 2007A humorous commentary discusses some of the financial 2007A management lessons children can learn from parents. income. All Masuo. Rieko Hanashiro. Economics.6% of the variance. These factor scores plus the answers to specific questions served as the dependent variable in a series of regressions which has 4 sets of independent variables pertaining to individual participants: 1. money. This study focused through multiple regressions. and subjective measures of well-being and self-esteem. Y. Most parents were in favor of pocket-money schemes. parental money. some data and theories on teenage behavior. and parents. and the United States.he has discuss about time. expenditures. The data is a sample of high school students in The Netherlands and contains information on teenage time use. College Students' Money Beliefs and Behaviors: An Asian Perspective. The three factors. In the 1997. Money: What your child should know. first part of the paper. and Financial Modesty accounted for 53. some data and Bing. He has Kooreman. allowances for their children. money-pathology score. were administered a survey. Malroutu. As the matter disussed by Peter Kooreman. The findings have implications for college students and financial management practitioners. Lakshmi Malroutu. four experts shows their interest and discuss on the particular issue on college student’s money belief and behaviors and on this particular topic get published by Journal of Family and Economic Issues. Three hundred British parents completed a questionnaire on their attitudes towards 2009. As all students in a expenditures. Time. 290 college students from Korea. peers.he theories on teenage behavior and published by Fortune by New York on Jun 23. They approved of the establishment of clear rules around pocket money. demographic variables. I analyze a data set on teenage behavior.

a disaggregated analysis at rural urban & state level in India by Adrian Furnham.he estimated and its shows burden ratio employing household equivalent income.We . out-of-pocket expenditures. smoking. Our analyses examined out-of-pocket spending. the share of households' expenditure onhealth services and drugs was calculated. across different income quintiles. The number of onhealth individuals below the state-specific rural and urban poverty line in 17 major states. Reducing out-of-pocket expenditures to reduce poverty: a disaggregated analysis at rural-urban out-of-pocket and state level in India As per as reducing out-of –pocket expenditures to reduce poverty .g. This paper aims to assess the differential impact of OOP expenditure and its components. conducted in 1999-2000. . It also attempts to measure poverty at disaggregated rural-urban and state levels. I estimate models to assess (bounds on) the magnitude of endogenous social interactions. between developed and less developed regions in India. identity. out-of-pocket spending burden ratio. expenditures). pocket money. and alcohol expenditures). endogenous social interactions within school money. outpatient care and on drugs. Key concepts in the discussion are interdependent preferences.and it published Journal of Furnham. classes are strong. estimated out-of-pocket spending burden ratio employing household equivalent out-of-pocket income. the data set has rich information on the behavior of potentially important peers of each respondent. they are moderate or unimportant.5% of their total income out-of-pocket on medical expenditures.. such as expenditure on inpatient care. We used the 1998 Korean out-of-pocket National Health and Nutrition Survey. and identified factors associated with out-of-pocket spending. Within-gender interactions are generally stronger than interactions between boys and girls. 2004. For some types of behavior (e. As per matter published by Marketing Week. and chronic condition after we controlled for socio demographic variables. health care facility type.about and chronically III in the republic of korea on London: Oct 28. insurance type. a nationally representative survey of 39 060 individuals.Out-of-pocket (OOP) expenditure 2001. and itendified . was determined. the poverty gap or poverty deepening in each region. for other behaviors.he had discuss and 2004. In the second part of the paper.and Economic Psychology by Amsterdam: Jun 2001. and intergenerational interactions. with and without netting out OOP expenditure.Based on Consumer Expenditure Survey (CES) data from the National Sample Survey (NSS).We estimated out-of-pocket health care spending and out-of-pocket spending burden ratio employing out-of-pocket out-of-pocket household equivalent income in the Republic of Korea. Out-of-pocket on health care has significant implications for poverty in many developing countries. truancy. with some intriguing exceptions. I discuss a number of theories that might help to understand the empirical patterns.sampled class are interviewed in principle. We examined variations in out-ofpocket spending.about out of pocket health spending by the poor Week.  Out-of-Pocket Healthcare Spending by the Poor and Chronically IlI in the Republic Out-of-Pocket of Korea. endogenous social norms. Survey. and health out-of-pocket out-of-pocket care use by socioeconomic status. The lowest income quintile spent 12. This also enabled the calculation of expenditure.

out-of-pocket reports The Commonwealth Fund. article. 15% of American families experienced high out-ofpocket costs relative to their incomes. books. The questionnaires concise of several close ended and open ended questions.They included interview. Methodology has two parts primary and secondary . In our field research. RESEARCH METHODOLOGY In order to complete our research on this topic we use three methods that are research procedure. or 5% or more of income for a family below 200% of the federal poverty level. out-of-pocket Family out-of-pocket costs rose at a much higher rate than income between 1996 and 2002. After that. By 2002. we decided to choose questionnaire as our primary methodology and internet as our secondary methodology . The questionnaires consist of 16 questions include demographic profile questions and objectives questions. Average out-of-pocket health care costs for families hit 35 percent of income. All respondent are given plenty of choices of questions like how they spend their .We had done this method by surveying 30 students of physical students from MBA from LPU RESEARCH INSTRUMENT The study was conduct by a set of questionnaire that related to the objectives of our study.For secondary methodology we can use internet."Rising Out-of-Pocket Spending for Medical Out-of-Pocket Care: A Growing Strain on Family Budgets. Out-of-pocket costs are defined as deductibles. we analyze the data that we get from the three methods and show it in charts. The report. journal. questionnaire and survey . research instrument and research respondents to get the result and analyze it. newspaper etc. and Out-of-pocket payments for services not covered by insurance." defines high health care costs as equal to 10% or more of income for families. coinsurance or copayments.

we get the best topic that is the money management among students from MBA of Lovely Professional University To make our research finish smoothly. we make questionnaire to our respondents. We derived the questions from the articles of newspaper. After make a discussion with our teacher.money in a month. we need to provide 20 questions that are related with our topic. Besides by doing the questionnaire. we make a data and calculate the data to make a pie chart. RESEARCH RESPONDENTS The respondent of the study are taken from students of Master In Business Administration (MBA) of Lovely Professional University. After that. we type the questions. our teacher approved the best 16 questions. print out and we meet our respondents to give out the questionnaire to them. We searched our information in the articles of newspapers and magazines that related with our topic. After make a meeting over round table. After collect all the questionnaire from the respondents. firstly our group makes a discussion to choose the suitable topic for us to do the research. Total number of the respondent is 30 respondents . and also internet that related with our topic and then we make discussion with our teacher to choose the best 16 questions. Beside that. The first topic is the uses of Surer among students of LPU. we also do some library research to support our details. magazines. how much they get from their parents and many more. Finally. second chose topic is the most preferred university chosen among students of MBA. We had provided answers skill to get the data that we are going to analyze. Firstly. our group must have result on our topic. RESEARCH PROCEDURE To complete this research. Another topic is the money management among Lovely Professional University. To get the result. They have been given the instruction to answer the questionnaire before they answer it. We choose that questions because we think that question is familiar to our topic. we make a discussion to choose the best topic to complete our assignment. we also surf internet to get more information and some explanation about university. we get three topics that we interest.

*Postal questionnaire *Questionnaires to be filled in by enumerators *Telephonic interview *Observation Reports *Results of experiments *Some other modern techniques used for collecting data are: *E-mail . The collection of facts and figures relating to the population in the census provides primary data. however data collected for some purpose. Such data are known as primary data. may be used. We choose them as our respondents because they are close to us than students from biological stream. Data may be expressly collected for a specific purpose. The gender factor is neglected in our research. frequently for administrative reasons. Often. The key word in statistics is 'data'. Such data are known as secondary data. Data refers is all the information collected in any form for analysis. The following methods are generally adopted for collecting the data.from physical science students were chosen randomly.

really from when a child is becoming aware that money equals purchasing power. What do children need to learn to get the most from their pocket money? Spending Teaching children good budgeting habits can start from as early as pre-school age. purchasing a gift for a family member. making a donation to a chosen charity is a positive attribute to acquire. Learning to handle money and spending within a budget develops the skills of independence. child’s age. Explain to older children how advertisements try to influence what we want and buy. . This is a good habit to foster. If you choose to provide pocket money the allowance will depend on circumstances. Sharing Although not a necessity the ability to give to others e. good judgment and responsible habits. level of development and understanding. and possibly how much their friends are getting. The first stage is to be able to count coins and notes and to gain an understanding purpose of money. Saving As children grow up. you could try drawing out a chart showing how long it will take to purchase desired item and the progress they are making.*Having questionnaires put up on chat rooms Pocket money provides children with opportunities to understand what money is about and that there is a value and worth to money. Young people benefit from learning how to budget and have an understanding of what credit is and how to manage it prior to living away from home/starting university education. help them to understand the importance of managing money. Taking into account their age. Being able to keep track of money and to learn to save can make it achievable to afford what you want. Parents have an important part to play in how their children learn and make sense of money.g. which could lead to financial stability as an adult. It is essential to discuss financial issues including saving and budgeting. This is a way to bring your own family values into financial education. To help them save. Children need to reflect on the difference between what they ‘need’ rather than ‘want’ in order to spend wisely. Explain that we sometimes have to make choices that might include waiting until we can afford to buy something.

 Why should young people be provided with a regular allowance? Giving a regular allowance is a way to help them to learn to make choices and provides opportunities for the young person to take responsibility for their own personal needs. Item Pocket money Food & Snacks Magazine Saving for C. Discuss with your students what the allowance is meant to cover. Traditionally younger children spend their money on sweets. When students spend their own money. for example is it going to cover daily expenditure or will you provide this? How much of the allowance will cover buying clothes. It is important to note that pocket money works best for children if it is paid regularly and on time. with an increase in money as your child gets older or their needs change. Will you buy the larger more expensive items or will your child need to save for these? When the allowance is not being managed well listening to your child and airing your views followed by an agreed solution will be required. This may be avoided by starting the allowance on a trial period only. shoes etc?. 20 Weekly Spending Rs. going out and make up etc. a budget plan (see example below) may help them to identify how much money is being spent. A fixed amount each week is reasonable. What are the benefits of pocket money? When younger children receive pocket money they have opportunities to gain an understanding of how to spend and manage money. drinks and magazines. You may choose to arrange top-ups to pocket money in exchange for jobs around the house. 4 3 5 Saving Rs .D Weekly Income Rs. Older children like money for clothes.

Going out Saving for clothes Saving Mobile phones Transport Saturday job Total 5 5 5 5 5 15 35 22 13 FINDINGS AND DISCUSSIONS After collect all the data. There are five questions that we have concluded. The study was conduct by a set of questionnaire that related to the objectives of our study. Below are our findings on our topic money management among MBA students of Lovely Professional University. we make an analysis and interpret data into pie chart. These questions are related to our objective. .

 HOW MUCH DO YOU GET EVERY MONTH FROM THEIR PARENTS? Amount RM100-RM200 RM200-RM300 RM 300-RM500 More than RM 500 Frequency 19 8 2 1 .

 HOW MUCH DO YOU SAVE EVERY MONTH? . we can see that majority of students which is up to 63% get RM100 – RM200 from their parents every month. Moreover. 7% of students get amount of money RM300 – RM500. This shows that most of the students get money at least RM100 – RM200 every month from their parents. At least one person from the survey was come from wealthy family.EXPLAINATION From the pie chart above. they pie chart shows 3% students get more than RM500 every month from their parents. Lastly. Besides that. the pie chart shows that 27% which is 8 students get RM200 – RM300 from their parents every month.

They may use their money in the best way in addition of the free meal at LPU. 7% goes to the students those save RM50 and above. This shows that student may very good in financing their money in every month. the pie chart shows that 23% students save RM10 – RM30 every month. . This shows that most student does not financing their money very well. In addition. Besides that. On the other hand. Moreover. 13% goes to amount of money RM30 – RM50 of students save every month.Amount Less than RM10 RM 10 – RM 30 RM 30 – RM 50 RM 50 – RM 80 More than RM 80 Frequency 15 7 4 2 2 EXPLAINATION The most students which are up to 50% which is 15 students preferred to save money less than RM10 every month. This shows that student is excellent in financing their money. students also may use the money in the correct way. Those students have a good way to financing their money every month.

7% for the clothes and the rest 3% is for the others things. ruler. The second important things after food is prepaid top up which is having 22%. so that they preferred to buy food than others. Students from MBA students may think that food is important among others things. HOW DO YOU SPEND YOUR MONEY?        Type Food Books Stationeries Prepaid top up Clothes others        Frequency 24 8 9 13 4 2 EXPLAINATION Most of Lovely Professional university students like to spend their money on food which is up to 40%. This shows that those stationeries is the important thing that student use while studying in this college. Some examples of the stationeries are pen. . After that. Student always spend their money on prepaid top up. mechanical pencil and ruler. On the other hand. books also the important things that student spend onto which have 13%. Stationeries which are have the third highest percent which is 15%.

The most of the students from MBA spend on RM10 in a week which is up to 62% that is 18 students. Some of the students maybe not use the prepaid top up properly. After that. 17% for the RM20 amount of money that student use their money for prepaid top up in a week. that is why they have to spend much of their money on prepaid top up. On the other hand. This shows that most of the students use the prepaid top up wisely. 7% students use RM30 for prepaid top up in a week. Besides that. 17% students use RM50 for prepaid top up. . HOW MUCH DO YOU SPEND YOUR MONEY ON PREPAID IN A WEEK? Amount Frequency RM 10 18 RM 20 4 RM 30 2 More RM30 5 than Am ountof m oney that studentsspend onPrepaidT Up op RM 10 RM 20 RM 30 More than RM 30 17% 7% 14% 62% EXPLAINATION The pie chart shows the amount of money that students spend on prepaid top up.

Besides that. there are zero students that agree to steal money from others when they do not have money. 15% which is 6 students will work if the do not have money. This way is more saving than we borrow from friend or steal from others. the easiest thing we can do is ask our parent to bank in money for us. After that. we can see that 57% of the students preferred to ask their parents to bank in money for them when they do not have money. 20% students will borrow from their friends when the do not have money. Lastly. When we do not have money. . Some students were doing works when they do not have money such as sold “nasi lemak” or fried rice. On the other hand. WHAT WILL YOU DO IF YOU DO IF YOU DON’T HAVE MONEY? Action Steal from others Borrow from their friends Ask their mother to bank in money for them Work Do nothing Frequency 0 8 23 6 3 EXPLAINTION From the pie chart above. 8% students will do nothing when they do not have money.

. From the findings. we know that students does not save their money correctly and use their money wisely. Based on our result that we had done most of students MBA does not spend their money wisely every month. Last but not least. The amount of money that students get parents. From the data we get. students also get allowance from LPU. we managed all the data and have been analysis it. Moreover. Second objective is to know how students spend their money in a month. half of the student which is 50% students saves less than RM10 every month. Our first objective is to find out how much students get their money from their parents. The main objective in this research is to find out how students manage their money every month. Our null hypothesis has been approved that is the students from Lovely Professional University did not manage their money wisely. peer from family is one of the factors that students do not have knowledge to save their money. most of the students do not manage their money wisely. All the result is presented in chart under findings and analysis. from all the findings. our last objective is to discover on how much they save their money every month. our group had finished our research/ survey on topic Student’s survey on pocket money expenditure among students MBA. From data that we get. There are 30 respondents who involved in our research. Some of the students like to buy extra snacks. Here we provided the proof of our hypothesis. We also had achieved our objectives in this research. most of the students spend their money on food which is up to 40%. So. Most the respondents get RM100 – RM200 every month from their parents which are up to 63% while other 37% get more than RM200 from their parents every month. From our findings. This is due to the facilities that students get from LPU. most of the respondents get less than RM200. Others than that. Besides that. In the nutshell. from their parents among students MBAis the around RM100 to RM200. This hypothesis is approved because the result wisely.CONCLUSION After a month. 28% students spend their money on stationeries and books. This is due to lack of knowledge to save their money and their get a lot of money from their parents.

• FACTORS INFLUENCING POCKET EXPENSES OF COLLEGE STUDENTS All the information provided by you will be strictly used for academic purposes only and will be kept confidential. ----------------------------------------------------------------------------------------------------------------------------Name: ____________________________________ Age: Gender: M F Contact (email/phone no. Who is/are the working parent(s) in your family? ** Father **Mother **Mother **Both .): ___________________ ------------------------------------------------------------------------------------------------------------------------------ 1.

2. What is the highest level of education of your parents? Father : ** Secondary School ** High School ** Graduate ** Postgraduate Mother : ** Secondary School ** High School ** Graduate ** Postgraduate 3. What is your family's average monthly income? (From all sources) **Rs. What is the main source of your family income? ** Service ** Self.000 .10.Employed Earnings 4.000 – Rs 20.

500 .60.000 .Rs.2.1.**Rs.00.000 ** Rs.1. What is your average monthly pocket money? # Rs.000 .000 .1.80. please specify _______________________________ 5.20.000 ** > Rs.40.Rs.000 # Rs.Rs.000 ** Rs.Rs.80. How many siblings do you have? # 0 #1 #2 #3 #4 6.000 .000 If other.000 ** Rs.1.Rs.Rs.40.000 .00.000 .60.

# Rs. How many times do you visit to a restaurant/eating joints in a month? _____ (visits per month) 10. How many movies do you watch in a month? _____ (per month) 9.3.000 .5.000 .Rs.000 # Rs.000 # Rs.4.Rs. please specify __________________________ 7.Do you visit a fitness centre (gym/health club)? 10.2.000 .Do Yes No If yes.000 . how many days in a week _____ (days per week) .5.000 # Rs.6000 If other.3.4.Rs.Rs. Do you own a personal vehicle? Yes No 8.

umi.11.umi.google.com/2008/02/04/22-frugal-tips-for-student-to-save-money  http://proquest.umi.com/pqdweb? did=1648095121&sid=13&Fmt=2&clientId=129893&RQT=309&VName=PQD .com  http://lessoninlife.com/pqdweb? did=1274493821&sid=20&Fmt=2&clientId=129893&RQT=309&VName=PQD  http://proquest. How much time do you devote to self study? _____ (hours per week) Signature: _____________ Date: _________________ BIBLOGRAPHY  www.com/pqdweb? did=1009649831&sid=20&Fmt=2&clientId=129893&RQT=309&VName=PQD  http://proquest.

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