Write an article on “The importance of having a budget” for the society’s

newsletter.

Having a budget is not a choice but a necessity. It is important for everyone to have a
budget in order o balance the amount of income with expenditure. Having a budget can
help us plan our finances. With a financial plan, we will know where the money we have
goes to.

It is essential for us to be able to take control over our money and not have our money
control us. Therefore, we must be able to decide how we should spend and save our
money no matter how much or how little we have. This way, we are in control of our
finances. Being able to control our finances means that we must also be smart to decide
between the things we need to buy and the things that we don’t.

It is never too early to start having a budget. So, it is important for us start planning our
funds now, as it is good practice for the future when we start working, As a working
adult, one will have various money commitments such as a car, house, family, and
others. Therefore, budgeting is very important. If we do not have a budget, we may
spend more than what we have. This will cause us go to into debt. Furthermore, we may
also not have any savings for times of emergency if we fail to have a financial plan.

One of the methods of budgeting is to set a spending limit. By having a spending limit,
we will be able to control our expenditure. A spending limit will help us to decide what
we need to buy. Besides that, knowing the amount of money we have in hand will also
give us an idea of how much we can afford to spend and how much we would want to
put away as savings. With a budget, we will also be able to track our expenses. We can
list down all our expenses such as food, stationary, car repair, movie tickets and others
so that we will know what our money is spent on.

Having a smart spending habit is another way of budgeting. Being smart means that we
should only spend what is within our budget and avoid extravagance. We must also
avoid having the tendency to follow crowd instinct or to be easily influenced by sales.

So where should we start? It is best to first determine our necessities. We should only
spend on things that we need and not on luxury items. As working adults, credits card
are the norm as they provide invaluable convenience provided the item that we use them
carefully and trim spending on extravagance. To shop smart, we can list down the items
that we need to buy before we start shopping, avoid sales and set a limit ourselves for
each shopping trip.
INFORMAL LETTER – Write a letter to your cousin and advise him on
“How to lose weight”.
12, Jalan
1/14, Taman Emas,
46000 Petaling Jaya.

8 April 201_.

Dear Lau,

I received your letter yesterday. In your letter, you told me that you have put on a lot of
weight. You now weigh 75 kg. All your shirts and trousers are too tight now. Your weight
gain has made you sluggish and lazy. I’m not surprised that you feel this way.

Well, I have to tell you that you must stop putting on more weight. At your weight now,
you are 25 kg overweight. This is going to cause you many health problems.

It is not difficult to get rid of some weight. All you need is to exercise some discipline.
You will also need tons of willpower. Follow a strict programme of healthy eating and
exercise. Eat lots of fresh fruits and vegetables for they are a rich supply of vitamins,
minerals and fibre. At the same time, you have to go easy on foods that are rich in fat
and oil. Avoid sweet food like chocolate and cakes. Such food contains a lot of sugar and
this will make you gain a lot of weight.

Eating healthy food must be accompanied by good eating habits as well. Take three
meals a day at regular rimes. Eat a low-calorie breakfast. It can be toast and a glass of
milk. For lunch, you can have a sandwich and an apple. Cut down on dinner for this is
the last meal of the day. You don’t need energy to sleep now, do you?

And of course, you need to exercise. Take up walking, cycling or swimming. Exercise
burns calories and builds up muscle.

I hope you will follow my advice. It is guaranteed to help you lose weight. Do tell me if
you have lost some weight. I am waiting to hear the good news. Take care and God bless.

Your good friend,

Lucy
An article on “Useful ways to spend leisure time”.
Leisure time is set aside for relaxation. There can be useful and yet exciting ways to
spend our leisure time. Some suggestions include reading, taking part in sports and
doing charity work.

Reading is one of the best ways to spend our free time. Besides spending our time in a
relaxing manner, reading also has many benefits. It helps to improve our language,
grammar and vocabulary skills. Moreover, it improves our general knowledge and gives
us a better insight into life. We can learn a lot about other countries, their cultures and
people without traveling to these places.

Engaging in physical exercises and sports is another fantastic way of spending our
leisure time. Exercise clears the mind and makes the body healthy. It is also a good way
to relieve stress. Examples of sports activities we take up are swimming, jogging and
playing games.

Perhaps one of the most rewarding ways to spend leisure time is doing charity work at
special homes for the disabled, the blind and the aged. This is by signing up as a
volunteer. We gain benefits that are two-fold. By making others happy, we are making
ourselves happy too.

With so many ways to spend ones leisure time at our disposal, one wonders why youths
today spend they free time on dangerous pursuits like taking drugs, smoking and
dangerous sports like racing. They are detrimental to one’s life, health and incur high
expenses.
A speech on “The important of obeying school regulations”.
Good morning, fellow students. I am Ahmad, the Head Prefect. My speech today is to
remind every student here the importance of obeying school regulations. School
regulations are imposed to ensure the smooth running of the school. They are for the
good of all students.

What are our school regulations? First, I will start by bringing attention to your
dressing. You must make sure that your uniform is always complete and neat. Only
white shoes with white socks can be worn and not any other colours. And never forget to
wear your school badge every day. You must always keep your hair short and neat. Girls,
if you want to keep long hair, you have to tie it up. And as for the boys, long hair is not
allowed.

Next, I wish to talk about proper conduct and behavior. You must always respect your
principal, teachers and other students. Greet your principal and teachers when you meet
them. There are also many actions that are not acceptable in school. For instance, you
must never play truant, cheat in exams, fight or steal in school. Students who are caught
cheating in exams, fighting or smoking will have to face disciplinary action.

On any occasion, you cannot damage or deface any property of the school or perform
any act likely to cause such damage or defacement. In school, you cannot disrupt
teaching, study, research or otherwise prevent any member of the school and its staff
from carrying on his or her work. If you are caught doing any of these, you will face
disciplinary action.

I hope my speech has enlightened you on how to be a good student by obeying school
regulations. Thank you for listening.
A speech on “How to be a responsible student”.
Good morning to the Principal, teachers and fellow students. As the Head Prefect, I am
honoured to be given the opportunity a speech for today’s Co-curriculum Awards Day
and my topic entitled “The Responsibilities of a Good Student” is apt one indeed.

It is the hope of everyone to work and study in an environment that is both pleasing and
conducive. Therefore, our collective responsibility is to keep our school surroundings
clean by ensuring that rubbish ends up in the trash cans or dustbins and our classroom
is always spick and span. Dusty windowpanes and dirty floors do not encourage
students to learn well. It goes without saying that besides keeping the environment
clean, we should not vandalize school property either. The furniture, equipment and
various decorative items have been put in place to provide students with the
convenience of learning.

Furthermore, as students, it is also our responsibility to adhere to the school rules and
respect our teachers and those in authority. School rules are enforced in order that we
can become more disciplined and as a method of preventing any unwanted incidents
from occurring in the school. The rules help to protect us and it is only right that we
obey them. We should also make sure that we complete all assignments, project work
and homework set by our teachers to their right deadlines. These forms of work help us
improve in our studies and keep us focused.

Dear students, keeping punctual are also the responsibility of every student. It is
disrespectful to those kept waiting if you arrive for classes and meetings late. Playing
truant is not the “in” thing to do as students will definitely lose out on the input teachers
hope to impart in class. The lessons in class are just as important as your preparations at
home for your exams. Therefore, if you miss out on your lessons, you will be unprepared
for your exams and may resort to cheating which is dishonest.

Finally, my fellow schoolmates remember that the school is like a second home to many
students and we live together as a family. Family members help and support each other
irrespective of race, religion, performance or size. So, as responsible family members,
refrain from bullying each other as it can cause severe physical and mental trauma to
the victim. Therefore, as you receive your various awards today, remember to keep in
mind your responsibilities.

Thank you.
Formal letter of requesting for permission to voluntary service.
The Secretary,
Lion Charity Club,
14, Jalan Sila
40300 Shah Alam,
Selangor Darul Ehsan.

The Manager,
Intan Orphanage,
20, Jalan Barat
47600 Klang,
SELANGOR. 20 MARCH 201_

Dear Sir / Madam,

Requesting for Permission to Volunteer Service

I am writing to you and behalf of the Lion Charity Club of the Glenmarie Heights. Shah
Alam to request for permission to volunteer our services at the Intan Orphanage on 12th
and 19th April, 201_ (two Saturdays)

2. This visit is in line with the objectives of Lion Charity Club which is a service club
with public service as part of its constitution. Therefore, this visit is aimed at
exposing the member of the club to the concept of volunteering and to raise their
awareness about the less fortunate in our society today. Such an activity would also
meet the members’ interest in social service.
3. There will be total of 44 members from various working sectors who will
participate in the activity including two teachers. We plan to board the bus at our
clubhouse at 7 a.m. and start our journey by 7.15 a.m. Therefore, we should able to
reach your premises by 8 a.m. and stay there till 5 p.m.
4. We should like to render our services to serve the needs of the orphanage. I
would like to propose that we assist you by providing some physical help such as
painting the centre.
5. Besides that, we could serve the academic needs of the children by providing
some help with their homework and such. The members of the club are well-versed
in subjects like Bahasa Melayu, English Language, Mathematics and history and they
will be supervised by two experience teachers.
6. The Lion Charity Club will also bring along the cash donation on Glenmarie
Heights’s residents as well as brand new revision book, clothing, toys and voucher
for shoes and spectacles to be distributed to the children. We have also bring them
used text book and storybook which were donated by our members. We have also
bought stationary for them such as pencils, note books, files, pencil cases, colour
pencil and many others.
7. We would also like to help out with some cleaning at the centre. We could clean
the ceiling and wall fans, wipe the windows, mop the floor and do the laundry. In
addition to that, we would like to help the cook to prepare meals for the children as
 well. We could help to prepare three meals on the day of our visit – lunch, tea and
dinner. The ingredients for the meals will be donated by the club members.
Please let us know if you are agreeable to the activities stated above.

Thank you.

Yours faithfully,

Johnny
(JOHHNY LAU)
Honarary Secretary,
Lion Charity Club.