Latihan tambahan

书包 = beg sekolah 上学要带书，书包是上学必须有的，所以是需要（keperluan）。它不是想要，也不是捐款。 例子：文具盒、练习簿也是上学的需要。 注意：问的是书包本身，不是名牌书包；名牌才是想要。

school bag = beg sekolah We need to carry books to school, so a school bag is a must for schooling and counts as a need (keperluan). It is not a want and not a donation. Example: a pencil case and exercise books are school needs too. Watch out: the question is about a school bag itself, not a branded one; the brand would be the want.

冰淇淋 = aiskrim 晚饭已经吃饱了，冰淇淋只是想吃，不吃也没问题，所以是想要（kehendak）。晚饭本身才是需要。 例子：饭后的糖果、汽水也是想要。 注意：好吃不等于需要。

ice cream = aiskrim Dinner has already filled you up; ice cream is something you want but can do without, so it is a want (kehendak). Dinner itself is the need. Example: sweets or fizzy drinks after a meal are wants too. Watch out: tasty does not mean needed.

破了的校鞋 = kasut sekolah koyak 旧校鞋破了不能穿去学校，换一双新的是需要（keperluan）。不是因为想要新款，而是没有鞋不行。 例子：校服太小了要换，也是需要。 注意：同样是买鞋，鞋还好好的却想买新款，那才是想要。

torn school shoes = kasut sekolah koyak The old shoes are torn and cannot be worn to school, so a new pair is a need (keperluan). It is not about wanting a new style; it is that you cannot do without shoes. Example: replacing a school uniform that has become too small is a need too. Watch out: buying new shoes while the old ones are still fine would be a want.

电子游戏 = permainan video 最新的电子游戏很好玩，但没有它一样可以健康生活、好好上学，所以是想要（kehendak）。 例子：新手机游戏、玩具车都属于想要。 注意：想要的东西要等需要的都付了才考虑。

video game = permainan video The newest video game is fun, but we can live healthily and study well without it, so it is a want (kehendak). Example: a new phone game or a toy car is a want too. Watch out: wants are considered only after all the needs are paid for.

医生开的药 = ubat daripada doktor 生病时医生开的药，不吃病就不会好，所以是需要（keperluan）。健康是最基本的需要之一。 例子：看医生的费用也是需要。 注意：药不是储蓄，也不是想要，是身体必须的。

medicine from the doctor = ubat daripada doktor Medicine the doctor gives when you are ill is a need (keperluan), because without it the illness will not heal. Health is one of the most basic needs. Example: the fee for seeing the doctor is a need too. Watch out: medicine is not savings and not a want; the body must have it.

金表 = jam tangan emas 要知道时间，普通手表或墙上的钟就够了。昂贵的金表只是想要（kehendak），不是需要。 例子：名牌运动鞋、昂贵的玩具都是想要。 注意：贵的东西容易被误当成需要，要想一想“没有它行不行”。

gold watch = jam tangan emas To tell the time, an ordinary watch or the clock on the wall is enough. An expensive gold watch is only a want (kehendak), not a need. Example: branded sports shoes and costly toys are wants. Watch out: expensive things are easily mistaken for needs; ask whether you can do without.

每天的饮用水 = air minuman 人每天都要喝水，没有水不能活，所以饮用水是最基本的需要（keperluan）。 例子：三餐的饭也是每天的需要。 注意：白开水是需要，汽水和奶茶是想要。

daily drinking water = air minuman Everyone must drink water every day, and we cannot live without it, so drinking water is one of the most basic needs (keperluan). Example: the three daily meals are needs too. Watch out: plain water is a need; fizzy drinks and bubble tea are wants.

水灾灾民 = mangsa banjir 水灾灾民失去了房子，真正需要帮助，是捐款的对象。朋友想买新脚踏车是他的想要；玩具店是做生意的，都不是捐款的对象。 例子：学校为灾民办募捐，大家捐一点。 注意：捐款不是给“想要东西的人”，是给“有困难的人”。

flood victims = mangsa banjir Flood victims who have lost their homes truly need help, so they should receive a donation. A friend who wants a new bicycle has a want, and a toy shop is a business; neither is a donation target. Example: the school holds a collection for the victims and everyone gives a little. Watch out: a donation is not for people who want things, but for people in difficulty.

给孤儿院 = beri kepada rumah anak yatim 把钱给孤儿院，是帮助需要帮助的人，不求回报，这是捐款（derma）。不是想要，因为不是给自己买东西；也不是投资，因为钱不会回来。 例子：把一部分零用钱放进募捐箱，也是捐款。 注意：捐出去的钱是给别人的，投资的钱将来还是自己的。

giving to an orphanage = beri kepada rumah anak yatim Giving money to an orphanage helps people in need without expecting a return, so it is a donation (derma). It is not a want, because nothing is bought for yourself, and not an investment, because the money does not come back. Example: putting part of your pocket money into a collection box is a donation too. Watch out: donated money goes to others; invested money is still yours for the future.

不是捐款的 = bukan derma 给残障人士钱、捐给火灾灾民，都是帮助有需要的人，是捐款。给自己买玩具是为了自己的想要，不是捐款。 例子：问“哪个不是”，先把是捐款的两个排除。 注意：题目有 BUKAN（不是），要找和其他两个不同的那个。

not a donation = bukan derma Giving money to a person with a disability and contributing to fire victims both help people in need, so they are donations. Buying a toy for yourself serves your own want and is not a donation. Example: for a which-is-not question, first rule out the two that are donations. Watch out: when the question says BUKAN (not), look for the one that differs from the other two.

为什么储蓄 = mengapa menyimpan 储蓄是为了以后要用的时候有钱，比如突然生病、要买书、或者将来读书。今天全部花掉就不叫储蓄；说钱没用更不对。 例子：存了 RM 60，脚踏车轮胎坏了就有钱修。 注意：储蓄的目的是“以后”和“万一”。

why save money = mengapa menyimpan We save so that money is there when it is needed later, such as a sudden illness, books to buy, or future studies. Spending everything today is not saving, and saying money is useless is simply wrong. Example: with RM 60 saved, you can pay to fix a bicycle tyre when it bursts. Watch out: the purpose of saving is for later and for just in case.

储蓄的方法 = cara menyimpan 把钱存进银行的储蓄账户，钱还在，以后可以拿，这是储蓄的方法。每天花在零食上是消费；给朋友买玩具，钱就不是自己的了，都不是储蓄。 例子：家里的扑满也是储蓄的方法。 注意：储蓄的钱一定还在自己手里或账户里。

ways to save = cara menyimpan Putting money into a savings account at the bank keeps the money for later, so it is a way of saving. Spending on snacks every day is consumption, and giving money to a friend for a toy means the money is no longer yours; neither is saving. Example: a money box at home is a way of saving too. Watch out: saved money must still be in your hands or your account.

每天存一点 = simpan sedikit setiap hari 每天 RM 2，30 天就是 RM 2 × 30 = RM 60。小数目天天存，一个月就不少了。RM 32 是把 2 和 30 加起来，不对。 例子：每天 RM 1，一年 365 天就有 RM 365。 注意：天数 × 每天的数才是总数，不是相加。

saving a little every day = simpan sedikit setiap hari RM 2 a day for 30 days is RM 2 × 30 = RM 60. A small amount saved daily becomes a good sum in a month. RM 32 adds 2 and 30, which is wrong. Example: RM 1 a day for 365 days gives RM 365. Watch out: multiply the daily amount by the number of days; do not add them.

教育储蓄 = simpanan pendidikan 为将来读书存的钱，放很多年慢慢变多，这是投资（pelaburan）。它不是想要，也不是捐款。 例子：父母每月存一点到教育账户，孩子上大学时用。 注意：投资和普通储蓄的分别是时间长短，投资是很多年。

education fund = simpanan pendidikan Money saved for future studies and left to grow over many years is an investment (pelaburan). It is not a want and not a donation. Example: parents put a little into an education account each month to use when the child goes to university. Watch out: the difference between an investment and ordinary savings is time; an investment is for many years.

判断对错 = betul atau salah 先买想要的再买需要的，这是错的（Salah）。需要是必须有的，要先付；想要可以等。跟价钱没有关系，便宜的想要也要排在后面。 例子：先付午餐，再想贴纸。 注意：次序是需要 → 储蓄 → 捐款 → 想要。

true or false = betul atau salah Buying wants before needs is wrong (Salah). Needs are must-haves and are paid first; wants can wait. Price has nothing to do with it; even a cheap want comes after the needs. Example: pay for lunch first, then think about stickers. Watch out: the order is needs → savings → donation → wants.

好习惯 = tabiat yang baik 每天存一点是好习惯，这是对的（Betul）。钱少也可以存，RM 1 存久了也会变多。不是只有钱多才存。 例子：每天把找回的零钱放进扑满。 注意：储蓄靠的是坚持，不是数目大。

a good habit = tabiat yang baik Saving a little every day is a good habit, so the statement is true (Betul). Even small amounts can be saved; RM 1 a day adds up over time. It is not only for people with lots of money. Example: drop the small change you get back into the money box every day. Watch out: saving works through persistence, not through big amounts.

超支 = belanja lebih daripada wang yang ada 钱不够还要买，这是错的（Salah）。不管东西多漂亮、多便宜，花的钱都不能比有的钱多，这叫量入为出。 例子：有 RM 5，想买 RM 8 的玩具，就要等存够了再买。 注意：“漂亮”是想要的理由，不是超支的理由。

overspending = belanja lebih daripada wang yang ada Buying when the money is not enough is wrong (Salah). However pretty or cheap the item, spending must never go beyond the money you have; that is living within your means. Example: with RM 5 and a toy costing RM 8, wait until you have saved enough. Watch out: being pretty is a reason for wanting, never a reason for overspending.