Vocabulary for Report Writing - Spending Habits

• Financial literacy (noun)
  Meaning: The ability to understand and make decisions about managing money, including budgeting, saving, and investing.
  Malay Translation: Literasi kewangan
  Sample sentence: Financial literacy is essential for young people to avoid debt and manage their money wisely.
  
  

• Manage (verb)
  Meaning: To handle or be responsible for something, especially money, time, or resources.
  Malay Translation: Mengurus
  Sample sentence: She learned how to manage her expenses by setting a monthly budget.

• Conducted (verb)
  Meaning: To carry out or organize a particular activity, such as a study or survey.
  Malay Translation: Dilaksanakan
  Sample sentence: The teacher conducted a survey to understand the students' preferences for school activities.

  
  

• Revealed (verb)
  Meaning: To make something known that was previously hidden or unknown.
  Malay Translation: Mendedahkan
  Sample sentence: The survey revealed that most students spend their money on food and entertainment.

• Utility bills (noun)
  Meaning: Regular charges for essential services such as water, electricity, and gas.
  Malay Translation: Bil utiliti
  Sample sentence: I need to pay my utility bills before the end of the month to avoid penalties.
  

• Significant portion (noun phrase)
  Meaning: A large or important part of something.
  Malay Translation: Bahagian yang ketara
  Sample sentence: A significant portion of the students' budget goes toward food and snacks.

• Budget (noun)
  Meaning: A financial plan that outlines income and expenses for a specific period.
  Malay Translation: Bajet
  Sample sentence: We need to create a budget for the school trip to ensure we don't overspend.
  
  

• Allocated (verb)
  Meaning: To assign or set aside resources, such as money or time, for a particular purpose.
  Malay Translation: Diperuntukkan
  Sample sentence: The government has allocated funds to improve the school’s infrastructure.

• Impulsive spending (noun phrase)
  Meaning: The act of spending money quickly without planning or thinking carefully.
  Malay Translation: Perbelanjaan impulsif
  Sample sentence: Impulsive spending often leads to financial problems if not controlled.
  

• Shape (verb)
  Meaning: To influence or determine the way something develops or turns out.
  Malay Translation: Membentuk
  Sample sentence: The experiences we have in childhood help shape our future decisions and behavior.

• Contribute (verb)
  Meaning: To give or add something, such as money, time, or effort, towards a common purpose or goal.
  Malay Translation: Menyumbang
  Sample sentence: Everyone in the class contributed to the fundraising event.

• Financial planning (noun phrase)
  Meaning: The process of managing one's finances by setting goals, creating a budget, and making plans for saving and investing.
  Malay Translation: Perancangan kewangan
  Sample sentence: Financial planning is important for achieving long-term goals such as buying a house or retirement.

​Incorporating (verb) Meaning: To include something as part of a larger whole or system.
Malay Translation: Menggabungkan
Sample sentence: The new curriculum is incorporating lessons on financial literacy to better prepare students for the future.



Empower (verb) Meaning: To give someone the power or ability to do something, usually by providing knowledge or confidence.
Malay Translation: Memberi kuasa
Sample sentence: The workshop aims to empower students with the skills to manage their finances effectively.

Significantly (adverb)
Meaning: To a large or important degree; in a way that makes a noticeable difference.
Malay Translation: Dengan ketara
Sample sentence: The new policy will significantly improve the quality of education in the country.

External (adjective)
Meaning: Coming from outside, not part of something’s internal structure or function.
Malay Translation: Luaran
Sample sentence: External factors, such as economic conditions, can impact students' spending habits.