ways to earn money essay pt3

Preparing for PT3 English 2021 

18 May 2021

7 minutes to read

• 01. PT3 2021 Examination Latest Format 
• 02. PT3 English Examination Marking Scheme
• 03. PT3 English Essay Writing Tips and Format
• 04. PT3 Past Year Papers and References

Whoot whoot ~ How are you guys today? Getting hyped to get one step closer to finishing your secondary school? Well done. 

I know some of you are getting depressed over the Covid-19 pandemic situation. Who won’t?

While some students are cheering that the school has been shut down for so long and some of them have been crying because they miss out on the chances to gain more knowledge to prepare for their future, just remember – Things happen. 

Never cry over spilt milk . What we can do is to learn how to move forward. 

What’s important for the PT3 candidates to know is that PT3 isn’t the only examination that you are going to take. There is one other big examination coming in just about 2 years time!  

For you, the milk hasn't been spilled yet! The time has come for you to seriously think about your future. How important your future is especially in this turbulent time, where more people are becoming jobless and even more people have nothing to eat on their plate. 

As a student, your only job and responsibility is to become a better human being. Learn more to achieve more and you will be able to help a lot of people in the future. Here, we at Superprof are dedicated to help you in your journey. 

In this article, we are going to cover the PT3 latest format, where to find PT3 past year papers, tips on answering essay papers and how PT3 is marked. 

PT3 2021 Examination Latest Format 

Do you know, nearly a decade ago, the Form 3 Assessment (PT3) wasn't known as what it is now? Before, the form 3 students sat for the Lower Secondary Examination (PMR). 

Yes, the difference is between ‘Assessment’ and ‘Examination’. It looks the same right? But it isn’t. Assessment is done by the teacher throughout the year and the weightage for the marking is higher in the final PT3 Assessment Test for the overall mark. Besides, Assessment is also school based, meaning that your examination paper will be marked by your school teachers. 

Meanwhile the Examination, just as it sounds, the student will sit for one final examination to mark the end of their lower secondary school journey. All the subject weightage falls in that one examination paper. So PMR was more exam oriented. Nonetheless, the exam paper will be marked externally by external markers just like how SPM is executed. 

The good thing about this type of examination is that the students took the exam very seriously and were willing to go to all lengths to prove themselves worthy to choose any streams they would want to take in the higher secondary form. 

Frankly, I can say that the PT3 assessment test has been taken lightly by the majority of parents and students. Most of the instrument tests haven't been done and it takes a toll on the teachers to search for students who are falling behind. However, that is the best thing about PT3, ‘No students are left behind’. Teachers can recognize weak students early on and will focus more on them. 

Throughout the year of the implementation of PT3 in 2014, MOE has made several revisions on the way the assessment is done. In 2019, another revision has been made and supposedly the 2020 PT3 candidate should be the first to sit for the test. 

The changes made recently is more towards the administration of PT3. This time, schools are responsible to make the instruments instead of it being given by MOE like the years before. This is a good shift as the teacher can tailor the instruments according to their student’s level. 

Check out more in depth on PT3's latest format . 

PT3 English Examination Marking Scheme

The interesting part of the latest PT3 assessment test is that MOE has aligned themselves with The Common European Framework of Reference for Languages (CEFR) measuring system. 

If you haven’t heard about CEFR before, this measuring system has been adapted in most of the international English as Second Language standard scores. Therefore, Malaysia has moved one step forward to be on par with all other international English levels. 

Previously, there were only 2 tests to sit for in the English subjects – Written test (Writing & Reading Comprehension) and Oral Test. Today you’ll only be sitting in 1 test but with 4 different papers. 

The papers are as follows:- 

• Paper 1 – Reading
• Paper 2- Essay
• Paper 3 – Speaking
• Paper 4 – Listening

Quite similar right? The difference is in the weightage of each paper in which the total scores are divided equally to 25%. So, the assessment is more comprehensive than before. Today, we can focus on 4 important types of linguistic properties. 

Previously, PMR students will only focus on their reading and writing. So their speaking and listening skills are rather low. Forward to today, I can see that most of the Generation Z are able to speak up their mind in English!

There are more tips on scoring PT3 papers following the latest PT3 Marking Scheme . 

PT3 English Essay Writing Tips and Format

I realized with the latest format in Malaysia English as Second Language, Bahasa Inggeris in PT3, writing isn’t one of the favourite papers to answer. Yes, I admit that even before, writing was the hardest part of the English Examination.

However, with the previous format, we don't have any choice than to score writing as the weightage is 50% of the overall marks. Today, with the division of English subjects into 4 papers with the equal weightage of 25%, students are able to at least focus on their best 3 papers to pass the English subjects. The probability to get at least 75% is high. 

But should we neglect the essay writing? Obviously NOT! Writing is also one of the core principles in English. Without the ability to write, your English skills won’t make it for further studies or for any kind of job which requires fluency in English.

Fret not, compared to before, English writing papers are not as flowery as they used to be. Today, straightforward writing is the best way to score. Why the flowery and why the changes? 

As you may know, the Malay Language is poetic, soft and flowery (not straight to the point). The previous format has assimilated Malay Language into English Language style of writing. Therefore, since MOE has changed and aligned the format to follow the international standard, we should also follow the international style of writing. 

Here Superprof has identified a few tips to follow while answering PT3 Essay Writing . 

• Every answer and point given should be simple and easy to understand
• Avoid using excessive jargon and complicated words
• Speak more English with your peers so you can adapt to use natural words and sentences in your essay
• Read more books to increase your vocabularies
• Don't rush when writing and maintain a good and easy to read handwriting
• Learn from experts

PT3 Past Year Papers and References

Past year papers are mostly sought by students nearing the examination. It is proven to help a lot of them in their answering skills and building up confidence. In contrast to those who never even wonder what the test paper looks like or the structure of the exam, they won’t find it hard or difficult to answer. 

“To succeed, you must first improve, to improve, you must first practice, to practice, you must first learn, to learn, you must first fail!” -Wesley Woo

So here, Superprof will help you out in finding the best PT3 Past Year Papers and References . 

First you should know how to search for it.

• Check out our Ministry of Education’s website to know any updates relating to the examination. 
• Do not simply take papers or questions from non-reputable websites as your stepping stone to success. It might backfire on you as they might not use the latest format and not give you the best questions to focus for your test. 
• Getting a book from a reputable publisher is the best way to get the best model questions. Most of the publishing companies hire experienced teachers and some of them have experience in compiling or making exam papers. 
• Check out Superprof blog for more downloadable papers and tips. 

It is understandable that more and more of us opt to get free-references on the net. However, one thing you should be aware of is that some of the non-reputable websites contain viruses, excessive marketing pop-up, download our data without consent and many more. 

Therefore, never fall victim to this kind of trap. 

Do you know Superprof is one of the best education platforms globally? We have more than a million teachers available for any online or face-to-face tutoring. You can easily choose your own favourite tutor. 

The rate is also affordable compared to the market price in tuition centres and other private tutoring in Malaysia. Our rate starts as low as RM30 per hour! Yes this is real! Most of our tutors are the best in their field. 

One of the best investments you can make for your future is EDUCATION . Remember, examination is just one way to measure your knowledge and skills in certain subjects. Thus, only by achieving good results can you pave your future easily and you’ll be able to achieve greater things earlier than the rest of your peers. 

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Alia Jamaludin is known as a passionate environmentalist and animal lover. By being both educator and writer, she can reach out her positive thought to almost every being on this planet.

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thanks about your sharing , maybe some words i don’t understand but i will trans it and i try to remember that.

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Home — Essay Samples — Economics — Money — Methods of Making Money

Methods of Making Money

• Categories: Money

About this sample

Words: 568 |

Published: Dec 18, 2018

Words: 568 | Page: 1 | 3 min read

Works Cited

• Fidelity Investments. (2022). Understanding investment options. https://www.fidelity.com/learning-center/investment-products
• Investopedia. (2022). How to invest in stocks. https://www.investopedia.com/articles/basics/06/invest1000.asp
• Kiyosaki, R. T. (1997). Rich dad poor dad. Tech Press.
• Mullainathan, S., & Shafir, E. (2013). Scarcity: Why having too little means so much. Macmillan.
• O’Leary, K. (2011). Cold hard truth: On business, money & life. Doubleday Canada.
• Ramit Sethi. (2019). I will teach you to be rich: No guilt, no excuses-just a 6-week program that works. Workman Publishing Company.
• Seligman, M. E. (2011). Flourish: A visionary new understanding of happiness and well-being. Free Press.
• The Balance. (2022). Guide to investing.
• The Penny Hoarder. (2022). Make money online. https://www.thepennyhoarder.com/make-money/
• The Simple Dollar. (2022). Investing.

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For teachers and students, what you need to know about the new pt3 writing paper [2019].

New format new format new format!

Yes Months ago KPM released the new format and everyone is asking me. HOW?

In this post, we try to answer all your questions. hopefully it helps make teaching easier for you parents and teachers out there.

DISCLAIMER:

SINCE THERE’S NO OFFICIAL GUIDELINE FROM THE KPM YET, WHAT I SHARE IS BASED ON WHAT I HAVE READ AND WHAT I LEARNED. IT MIGHT NOT BE 100% ACCURATE BUT IT CAN SERVE AS A REFERENCE IF YOU WISH. 

Old Writing Paper VS New Writing Paper

SIMILARITIES

DIFFERENCES

HOW TO ANSWER THE NEW WRITING PAPERS?????

Rule of thumb 1:     understand what is clt (communicative language teaching) approach.

If you are a teacher, you might just need a little bit of flashback , then you will know the idea of it. I am not going to go into how the famous linguists started all this, but if you’re interested, you can go ahead and read more about it. THE NEW FORMATS BASE A LOT ON THE IDEA OF CLT. (please correct me if I’m wrong)

But, if you’re a parent, I’ll give you a simple idea about this approach and how you can help guide your children in their learning.

‘NATURAL’

Every answer should reflect ‘natural English’. This is a very vague idea because what is considered natural and what is not can be subjective. Especially when the situation now is that we still do not have a written guide.

I’ll give you more examples as you read on…

RULE OF THUMB 2:    It’s Okay to Have Some Slips

One thing teachers have to get used to is that, we should be okay with little slips here and there. Not that we want to encourage students to do them, but we should remind ourselves to focus on the ‘communication’

“Did the student successfully convey the message?”

if yes, why punish so bad?

And because I do not want students think it’s okay to make certain mistakes, I shall not give any examples here. Rule of thumb is, give the best form of English you know.

HOW TO ANSWER PART 1

1. Go Sraight To The Point

Previously, many teachers, even I am guilty of this.

We ask students to start with greetings.

“Hi, how are you? I hope you are fine. I am fine here.”

That is considered BAD in the new format. Why? Because it’s NOT NATURAL.  Think about this,

A:   “What are you going to do this weekends?”

B:   “Hey, how are you? Im good. By the way, I am planning to go to the library this Saturday.”

B:   “I am thinking to go to the library this Saturday.”

Which is more natural in your daily life? There you go. Remember, natural language wins. 

So in the new format we want to take away all the not so natural greetings and go straight to the point.

That’s how we all should respond to part 1.

2. Explain All the Good Things and Some of the Bad Things

One way to help students elaborate is to get them to think about the good things about their choice and the bad things about what they have rejected.

For example, from the question, lets choose cooking.

You already have  62 words – only by listing down all the good things about your choice of hobby.

What if the students don’t have so many ideas?

Then, write some negative things about the others

3. A Short and Sweet Ending 

Again, write as natural as you can.

HOW TO ANSWER PART 2

1. No more format (Maybe?)

This looks like the new direction but again I can’t tell for sure. Most likely, no format.

2. Use the guide questions. (WH-questions)

This sounds like a cliche, but if you learn to build sentences around WH-questions, you should be able to build a solid form 3 level essay. Just imagine building 3 sentences for each question, how many words can you get from there?

3. A freer topic means more room to focus on the language.

The new question seems to be giving more room for students’ own idea, you can use the opportunity to focus on things that your students can relate to, and get them to write. For example, you no longer ask them to write about Hari Raya, get them to write about the celebration that they celebrate i.e: Christmas, Chinese New Year, Kaamatan, Deepavali, etc. This way, students with all kinds of background can relate and can spend more time on building the language and fixing them.

4. Keep thing Short and Simple

I don’t see why you need to write so looooooongggg, thinking you can get more marks from longer text. If the question asks for about 120 words, I think getting to 150 words is great already.

Always, for weaker students, keep sentences short and simples, but one thing for sure for the A students to the struggling students. Everyone should aim for one thing

Have MEANING in what you write:

• You’re telling something in response to the questions,
• Readers get something from the answers

That’s about it. Comment and let me know what you think about the new format! Don’t forget to check out our latest E-package. We write everything based on the latest format. Hit us up on FB if you have more questions!

23 thoughts on “ What you need to know about the new PT3 WRITING PAPER [2019] ”

Regarding to part 2,do you have to write the essay like telling a story (our feelings,witnessed things and such?) Please do help me

it depends on the questions, if it’s not a story you don’t need to write those. Do you have a sample question that I can take a look at?

i guess not anymore. the question is just like the above

thank you!really helpful and i really apreciated it!

Hai… What about HOTS? How can we tell if the students had applied HOTS in their writing according to the marking scheme? Is there a proper marking c scheme where HOTS can be embedded in it?

While there’s no special mention of HOTs in the scheme given, I believe when a student successfully applies HOTs in their writing, it will show a great difference in their ‘content’ , and that’s where we can award them according. What do you think?

Is it compulsory to write at least 120 words for notes expansion or can the pupils write lesser than 120 words?

Hi Nassernawawi,

if the question asks for around 120, we should at least have around 120 words. 🙂

Hi, good day. Is it possible for you to share the marking scheme ? Kindly explain on it, thx

Should i put at least 2 bombastic words in an essay or more?

I’d say use the words that you feel most suitable with the meaning you want to convey.

What kind of format will be out for part 2? currently, i’m teaching my students about recount, report, speech, article and informal letter.

This is the first time that I come across with your website. Your posts are really helpful, I would comment. My question is, how do teachers mark both the essays, I mean the mark distribution? (e.g. 10m for language and 10m for content….)

Thanks in advance.

Thanks… Pray for me tomorrow.. I hope the english test are going to be easy

Thank you, and now i know how to answer the format of the english paper

thank you for helping and guiding us…

Good now I know how to score with flying colours

I love it. Now I am sure that I am going to get A in English Paper.

terima kasih tinggal membantu kami

thank u very much i really appreciate it now i understand everything hope i got A next exam

Good for me,thank youu

Hi.. what if students exceeded the 120 word count? will they be penalize ?

As far as I know, they will not be penalised for that

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10 Ways Students can make Money with Essay Writing

Make money with essay writing.

There are plenty of ways to earn money as a freelance writer if you’re a student.

You can get paid to write essays for other students or write essays for money for many other online publications.

Here are some options to help you get started with essay writing. 

1. Write college papers for money

There are high-quality academic websites where you can write papers for money.

You will need to fill out an application, take a test, and upload samples of your work. If you’re accepted, you can bid for jobs.

You may have to write custom essays, research papers or even help a student with homework.

You will earn about $10 a page and more on work with a tight deadline.

2. Write a first-person narrative

Vox is a well-known general interest publication that’s looking for first-person narratives.

Read their submission guidelines and email the editor with your pitch.

The publication covers a wide range of topics, such as health, science, culture and politics.

All the accepted stories are edited and paid at competitive rates. 

3. Write nonfiction

The American Scholar is a quarterly magazine that will consider publishing nonfiction by known and unknown writers. Submissions should be no longer than 6,000 words and be submitted through the online submissions manager system.

You can upload your essay and check its status online. Submissions are carefully reviewed, and it may take several months to get a response.

Payment is up to $500 for accepted pieces and $250 for web-only pieces. 

4. Pay for essays

If you are a student who can’t even think about writing papers for money because you don’t have enough time to write your own, you can use a perfect essay writer at an essay writing service.

You can pay for essay on EduBirdie, and you will receive a quality essay from professional writers who are thoroughly screened to make sure they have the right educational background and experience to help you.

And with time, you can enroll yourself on this number one site to make money by helping others do their assignments.

5. Write stories and articles

The Threepenny Review is open for submissions from January through June.

Response times for submission can range from two days to two months.

Critical articles should be about 1200 to 2500 words, and stories about 4000 words or less.

You can make money writing essays, short stories and articles.

They pay $400 per story or article. 

6. Write about women’s issues

The goal of the Women’s Media Center is to increase the influence of women in the media.

They want stories and commentaries that offer a feminist perspective on news events and stories about women in the media industry.

You can write essays about women and work, the environment, human rights, choice, and women as leaders and peacemakers.

7. Write fantasy and science fiction

Fantasy & Science Fiction is a science fiction print journal that’s been around forever.

It has a large readership and wants stories with surprising ideas, plots or character insights.

You can submit your entire manuscript.

It publishes fiction of up to 25,000 words in length, and you should allow eight weeks for a response.

Payment is 8-12 cents per word on acceptance. 

8. Write narrative nonfiction

Narratively wants personal essays that show readers what makes your life interesting or different.

Your storytelling must be immersive and take readers into another world or another life using vivid scenes and colorful details.

You can submit a pitch or a completed essay for consideration and earn up to $300 for a 2,500-word essay.

9. Write essays about the Christian faith

If you are a Christian, writing essays for money online is possible on Guideposts .

It publishes true stories about people who have learned a lesson or overcome a challenge through their faith.

Write a first-person narrative with a spiritual point that readers can apply in their lives and submit for publication.

Payment for essays is up to $250.

10. Write for a legit essay writing service

Make sure you choose a legit essay writing service if you want to write essays for college students.

You will need to consider the company’s background, how long it has been around, whether it’s reliable, and what you will get paid.

Check what kind of online reviews the company has. 

As a student, you can make money by writing essays in just about any niche.

You may decide to write essays for other students or for various publications.

You need to know where to look to pitch an editor and how to write essays for money.

Hopefully, the above suggestions will give you some ideas about where to begin. 

© Be Your Maverick

Essay on Saving Money

Students are often asked to write an essay on Saving Money in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Saving Money

Understanding the importance of saving.

Saving money is a crucial habit everyone should develop. It helps us prepare for unforeseen events, achieve financial goals, and secure our future.

Ways to Save Money

There are many ways to save money. You can start by setting a budget, cutting down on unnecessary expenses, and putting aside a portion of your income regularly.

Benefits of Saving Money

Saving money offers several benefits. It provides financial security, enables us to make big purchases, and contributes to a stress-free life.

In conclusion, saving money is a wise and beneficial practice. It leads to financial independence and a comfortable life.

Also check:

• Paragraph on Saving Money

250 Words Essay on Saving Money

The importance of saving money.

Saving money is a vital life skill, especially for college students who are just beginning to navigate the financial world. Understanding the importance of saving and implementing it in daily life can pave the way for financial security and independence.

Why Save Money?

The primary reason to save money is to achieve financial security. Unpredictable life events, such as job loss, medical emergencies, or unexpected expenses, can create financial stress. Having a safety net in the form of savings can mitigate these risks. Moreover, savings can fund life goals like education, homeownership, or starting a business.

Strategies for Saving Money

Creating a budget is the first step towards saving. It helps to track income and expenses, revealing potential areas for cost-cutting. Next, establishing an emergency fund can provide a financial buffer against unforeseen circumstances. Investing is another powerful tool for saving. It allows money to grow over time, leveraging the power of compounding.

The Role of Discipline and Consistency

Saving money requires discipline and consistency. It’s important to regularly contribute to savings, even if the amounts are small. Over time, these small amounts can accumulate into significant savings. It’s also crucial to resist the temptation of unnecessary spending and to prioritize long-term financial goals.

In conclusion, saving money is an essential skill that can lead to financial security and the ability to achieve life goals. By budgeting, creating an emergency fund, investing, and practicing discipline and consistency, college students can lay a solid foundation for their financial future.

500 Words Essay on Saving Money

Introduction.

Money, the lifeblood of modern society, is a central aspect of our lives. Its management, particularly the act of saving, is a crucial skill to master. Saving money is not just about accumulating wealth; it’s a strategic practice that promotes financial security, fosters discipline, and cultivates a sense of responsibility.

The importance of saving money cannot be overstated. It provides a safety net during unexpected circumstances like medical emergencies, job loss, or sudden large expenses. In addition, it can help fund significant life events such as higher education, buying a house, or retirement.

Moreover, saving money can lead to financial freedom. It allows us to make investments that can generate passive income, ultimately leading to a more comfortable and secure future. It’s not just about having money; it’s about the freedom and peace of mind that come with it.

There are several strategies for saving money. The first step is to create a budget. This involves tracking income and expenses, setting financial goals, and allocating a certain portion of income towards savings. It’s advisable to follow the 50/30/20 rule, where 50% of income goes to needs, 30% to wants, and 20% to savings.

Another strategy is automating savings. By setting up automatic transfers to savings accounts, we can save money without even thinking about it. This not only ensures regular saving but also reduces the temptation to spend.

Investing is another powerful way to save. By investing in stocks, bonds, or real estate, we can grow our wealth over time. However, investing requires careful planning and understanding of the market.

The Psychological Aspect of Saving Money

Saving money is not just a financial act; it’s a psychological one. It requires discipline, patience, and the ability to delay gratification. It’s about making conscious decisions to forego immediate pleasures for long-term benefits.

The act of saving also fosters a sense of responsibility. It makes us more aware of our spending habits and encourages us to make smarter financial decisions. Moreover, it can boost our confidence and self-esteem, knowing that we are taking control of our financial future.

In conclusion, saving money is a vital skill that everyone should cultivate. It’s not just about accumulating wealth; it’s about ensuring financial security, gaining financial freedom, and fostering personal growth. By adopting effective saving strategies and understanding the psychological aspects of saving, we can make informed decisions that will benefit us in the long run. Remember, every penny saved is a step towards a more secure and prosperous future.

That’s it! I hope the essay helped you.

If you’re looking for more, here are essays on other interesting topics:

• Essay on Pocket Money
• Essay on Money Is the Root of All Evil
• Essay on Money is Not Everything

Apart from these, you can look at all the essays by clicking here .

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How to save money essay sample, example.

The first step people might take is recording their spending. It is a practical decision that allows for transparency and calculation. According to Better Money Habits, “Keep track of all your expenses—that means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Consider using your credit card or bank statements to help you with this” (“Saving Money Tips – 8 Simple Ways to Save Money”). It might seem painstaking, but this process will help you to note how payments and purchases affect your balance, and savings ultimately.

Another important factor in saving money is creating a budget. This is usually done after reviewing all your transactions and what you need to use your money for in order to survive. As stated by America Saves, “Create a budget that you can stick to. Look at places you can cut back in order to pay down high-interest debt and save. Each week, check your finances to make sure you are staying within your budget” (Bryan, Katie). The most essential factor in creating a budget is knowing you can keep to it through the bumps on the road of your finances.

As an extension of your budget, you can create a plan for your spending. You can give exact percentages and figures. According to Better Money Habits, “Try to save 10 to 15 percent of your income. If your expenses are so high that you can’t save that much, it might be time to cut back. To do so, identify nonessentials that you can spend less on, such as entertainment and dining out, and find ways to save on your fixed monthly expenses” (“Saving Money Tips – 8 Simple Ways to Save Money”). It might be painful to slash out certain areas of your life you enjoy spending money on, but in order to save money, you have to sacrifice some of your desires in order to achieve your goals.

A useful tip in addition to the previously mentioned points is that you can save money with a certain item or items in mind. Sometimes focusing on a certain object of desire can work better for people in terms of saving money. According to Better Money Habits, “One of the best ways to save money is to set a goal. Start by thinking of what you might want to save for—perhaps you’re getting married, planning a vacation or saving for retirement. Then figure out how much money you’ll need and how long it might take you to save it” (“Saving Money Tips – 8 Simple Ways to Save Money”). Whether short-term or long-term, it is good to have a goal in mind while saving money.

Finally, prioritizing the way you spend and save money is a key element. According to The Balance, “Each individual will have slightly different priorities, but no matter what those priorities are retirement and your emergency fund will come first. After that, you can focus on your other goals and building wealth. Once you determine your priorities, you can create a chart or excel sheet that lets you track your progress on your goals” (Caldwell, Miriam). So, setting priorities is a nuance you should take into account while creating your spending and saving plans.

Looking back, we can say for certain that saving money is possible for the average citizen. However, there are certain ways you have to go about it: noting down your spending, making a budget, creating a plan for saving money, setting a savings goal for particular items, and figuring out your priorities.

Works Cited

“Saving Money Tips – 8 Simple Ways to Save Money.” Better Money Habits, Bank of America, 6 Sept. 2018, bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money.

Bryan, Katie. “Creating a Budget.” America Saves, americasaves.org/for-savers/make-a-plan-how-to-save-money/creating-a-budget.

Caldwell, Miriam. “How Should I Prioritize My Savings Goals?” The Balance, www.thebalance.com/how-should-i-prioritize-my-savings-goals-2386146.

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Essay on “Pocket Money” for School, College Students, Long and Short English Essay, Speech for Class 10, Class 12, College and Competitive Exams.

Pocket Money

Pocket money is a small amount of money that young children spend on the required things. Such money can be spent on what they like without giving the account to their elders. Generally, as far as teenagers are concerned, pocket money is given by their parents to help them pay independently for their requirements. However, the amount of pocket money depends on what one needs to pay for. It also depends on how much the parents can afford. Such kind of money may be given on a weekly, fortnightly or monthly basis.

Within the limits, children can always ask their parents for some money. Parents believe that their children have very few needs, other than food they have to buy from the school canteen. However, when teenagers go out with their friends they have more things to pay for like snacks, entertainment such as cinema tickets, purchasing or hiring audio or video CDs, books, magazines, etc. Other items they need to pay for may include recharge in their mobile phones, travel expenses, gifting friends on their birthday, etc.

Some youngsters may help their parents with household tasks to support their pocket money. However, up to some extent it is not sensible to attach an economic value to the household tasks. Some children find it as a fun to earn their own money whatever the amount is. They constantly look for different ways to earn extra pocket money.

There are several ways of earning pocket money. Some of them may help their neighbours or old people in the neighbourhood. Helping them in weekly shopping is another way of earning some pocket money. With the permission of parents, one can also do some cutting of the grass for the neighbour or looking after their home when they are away. Teaching other students is a good way of supplementing our pocket money. These are some of the sensible ways of earning some extra pocket money.

Allowing children to earn, save and spend pocket money benefits both parents as well as the children. Pocket money helps to recognize the value of money in early years of life. They learn to be independent and may appreciate their parents as the breadwinners. They also learn the importance of being responsible for what they do, either at school or at part-time work.

Whether parents should allow teenagers to earn pocket money depends on the family conditions. However, at times, pocket money can prove to be a nuisance because no matter how much they get, sometimes it never seems enough.

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Essay on Money for Students and Children

500+ words essay on money.

Money is an essential need to survive in the world. In today’s world, almost everything is possible with money. Moreover, you can fulfill any of your dreams by spending money. As a result, people work hard to earn it. Our parents work hard to fulfill our dreams .

Furthermore various businessmen , entrepreneurs have startup businesses to earn profits. They have made use of their skills and intelligence in getting an upper hand in earning. Also, the employee sector works day and night to complete their tasks given to them. But still, there are many people who take shortcuts to success and get involved in corruption.

Black Money

Black money is the money that people earn with corruption . For your information corruption involves the misuse of the power of high posts. For instance, it involves taking bribes, extra money for free services, etc. Corruption is the main cause of the lack of proper growth of the country .

Moreover, money that people having authority earns misusing their powers is black money. Furthermore, these earnings do not have proper documentation. As a result, the people who earn this do not pay income tax . Which is a great offense and the person who does this can be behind bars.

Money Laundering

In simple terms, money laundering is converting black money into white money. Also, this is another illegal offense. Furthermore, money laundering also encourages various crimes. Because it is the only way criminal can use their money from illegal sources. Money laundering is a crime, and the people who practice it are liable to go to jail.

Therefore the Government is taking various preventive measures to abolish money laundering. The government is linking bank accounts to AADHAR Card. To get all the transaction detail of each bank account. As a result, the government comes to know if any transaction is from an illegal source .

Also, every bank account has its own KYC (Know your Customer) this separates different categories of income of people. Businessmen are in the high-risk category. Then comes the people who are on a high post they are in the medium-risk category. Further, the last category is of the Employee sector they are at the lowest risk.

Get the huge list of more than 500 Essay Topics and Ideas

White Money

White money is the money that people earn through legal sources. Moreover, it is the money on which the people have already paid the tax. The employee sector of any company always has white money income.

Because the tax is already levied on their income. Therefore the safest way to earn money is in the employment sector. But your income will be limited here. As a result, many people take a different path and choose entrepreneurship. This helps them in starting their own company and make profitable incomes .

Every person in this world works hard to earn money. People try different methods and set of skills to increase their incomes. But it is always not about earning money, it’s about saving and spending it. People should spend money wisely. Moreover, things should always be bought by judging their worth. Because money is not precious but the efforts you make for it are.

Q1. What is Black Money?

A1. Black money is the money that people earn through illegal ways. It is strictly prohibited in our country. And the people who have it can go to jail.

Q2. What is the difference between Black money and White money?

A2. The difference between black money and white money is, Black money comes from illegal earnings. But white money comes from legal sources with taxation levied on it.

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• Saving Money

12 Easy Ways To Save Money

Saving money can be easy when you find a method that suits your life

Establish a Budget

Treat savings like a bill.

• Calculate Your Purchases by Work Hours

Set Up Savings Automatically

Budget your savings using cash envelopes, take advantage of company matches.

• Eat Out Less

The Balance / Getty Images 

For many people, saving money doesn’t come naturally. It may even seem like a daunting or impossible task depending on your level of disposable income. However, like other chores, the most challenging part about saving money is knowing how to start. Saving money can be a breeze when you find the method that works best for you. Learn some simple and effective money-saving tips that can help get you off to a great start toward reaching your savings goals.

Key Takeaways

• The first step to saving money is creating a budget.
• Creating realistic savings goals limits burnout and leads to more savings in the long run.
• Other simple methods of saving money include downloading budgeting apps, waiting 24 hours before making a big purchase, and treating your savings contributions like a bill.
• Making your savings automatic will ensure you always find money to save.

The first step to saving money is understanding where your money is going each month. “You can't start effectively saving money until you have a well-defined monthly budget ,” finance writer Chris Panteli told The Balance in an email interview. A budget puts you in control of your money. The trick is finding the one that’s right for you.

A proper budget should contain at least your monthly income, your fixed expenses, and an allocation of funds toward entertainment. There are many free budgeting tools and apps that can help you stay on track.

After your budget is set, a sure-fire way to save money is to treat your savings like a bill, said financial analyst Sophia Jones to The Balance in an email interview. “Whenever you get your pay, take out savings first and put it somewhere else, maybe in a high-yielding bank account. By doing so, you train yourself to consistently save, and practice living within your means while still having savings,” Jones said.

Calculate Your Purchases by Work Hours Instead of Cost

Thinking like a saver means thinking about the true cost of the things you buy and how many hours you will need to work to afford them. Start by taking the dollar amount of the item and dividing it by your hourly pay.

If you’re paid a salary and aren’t sure of your hourly rate, divide your annual salary by the number of weeks you work per year, then again by the number of hours you work each week. If you make $70,000 per year, your hourly rate is around $33.65 ($70,000 / 52 =  $1,346 per week / 40 = $33.65 per hour).

For example, if you want to purchase a $48 shirt and you earn $12 per hour, ask yourself if buying it is worth the four hours you’ll have to work to pay for it.

Try the 24-Hour Rule

This is an easy and effective trick to help you save. When you see an item you think you need or want, don’t buy it right away. Instead, set a “24-hour” rule. Maybe you’ll buy it after all, or maybe you won’t. But at least you can give yourself more time to think it through.

One way to enforce the 24-hour rule when online shopping is to disconnect your debit or credit card from your browser or phone. Sometimes putting a little friction between you and that “Check Out” button is all it takes to cut down on impulse purchases.

“Habits work best when they happen in the background,” Catch CEO Kristen Anderson told The Balance via an email interview. Using smart defaults such as directing a percentage of your paycheck to a separate savings account will have you hitting your savings goals in no time.

Start Small

Anything is doable when it’s done in baby steps. Corey Noyes, a financial advisor at Balanced Capital, said, “Too many people stretch themselves too thin when they first try to save.” This can lead to frustration, discouragement, and eventually giving up your savings goals. The key is to “choose a manageable amount that doesn't cause you stress and set it on autopilot,” Noyes said.

According to a 2021 study by the MIT Sloan School of Management, people spend more money when they use a credit card rather than cash. However, if your spending habits prevent you from saving money, you can try using the envelope-budgeting method . After creating your monthly budget, use cash to separate your savings and each of your other expenses into envelopes. Once the envelopes are empty, you’re done for the month, and your savings are intact.

Open a Spend-and-Save Account

A spend-and-save account works by automatically helping you save the spare change left after making a purchase. It rounds up each debit-card transaction to the nearest dollar, then deposits the difference into your savings. Of course, to reach larger saving goals, you’ll need to supplement a spend-and-save account with a regimented budget, but you might be surprised how quickly your spare change piles up.

Many companies offer employee incentives by matching a certain percentage of the money you save in retirement plans such as your 401(k). This means that for every dollar you save, they will give you an extra dollar, hence the match. So if you’re not taking advantage of your employer match, you are leaving free money on the table.

The IRS allows 401(k) participants to take a penalty-free loan from their 401(k) plan of up to $50,000 when buying their first home.

Pretend Your Windfalls Don’t Exist

When you need an easy way to save money, setting aside a windfall of extra cash needs to be a “no brainer.” Whether the money comes from a work bonus, bingo winnings, or tax refund, commit to adding it to your savings and pretend like it doesn’t exist.

Shop on Wednesdays

Why is Wednesday unique? “When most grocery shops start their new bargains on Wednesdays, customers typically get early access to the latest deals and special offers,” financial analyst Steve Wilson told The Balance in an email interview. “Additionally, shops occasionally accept coupons from the prior week,” Wilson added.

Commit To Eating Out One Day Less Each Week

If you enjoy eating out, you don’t have to give it up. Instead, just commit to cutting back. For example, suppose you spend at least $15 per day eating out five days a week. That quickly adds up to $300 a month. However, if you cut back even one day a week, you’ve just found $60 a month to add to your savings.

The Bottom Line

There are many benefits to saving money, and the reasons for saving are different for everyone. While consistently putting money aside can be a challenging habit to start, the trick is finding a few saving methods that resonate with you and your lifestyle.

Frequently Asked Questions (FAQs)

Why is it important to save money.

Saving money is more than important—it’s a necessity. Your savings can give you peace of mind by helping you avoid turning to credit cards or accumulating debt when unexpected expenses pop up. Saving money can also allow you to achieve financial and personal goals such as buying a house. On top of that, saving money can help you grow your money through the power of compound interest .

How much money should I save each month?

The popular 50/30/20 budgeting method suggests using 20% of your income as a guideline for savings. Initially, you can allocate that money toward your emergency fund until you save three to six months' worth of expenses. After that, you can begin putting the money toward other financial goals.

How much do I need to save to buy a house?

When you’re preparing to buy a house, it's a good idea to save around 25% of the purchase price in cash to cover a down payment, closing charges , and relocation expenses. For example, if you buy a property for $300,000, you may end up paying more than $75,000 to cover the down payment and all of the various closing costs. That said, if you are a first-time homebuyer, you can buy a home with a down payment as low as 3.5% of the home’s value.

IRS. “ Retirement Topics - Plan Loans .”

Department of Housing and Urban Development. “ Let FHA Loans Help You .”

Essay On Saving Money For Students

In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Essay About Saving Money

Introduction:

Money is an essential commodity that is required for daily survival. It helps to fulfill our basic needs and wants, but we cannot deny the fact that managing money can be quite challenging. Many people struggle to save money and end up spending more than they earn. Saving money is an important habit that should be cultivated from a young age. In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Importance of Saving Money:

Saving money is important for several reasons. Firstly, it helps to create a financial safety net. It ensures that we have money in case of emergencies like medical emergencies, unexpected home repairs, or job loss. Secondly, saving money can help us achieve our long-term goals like buying a house, car, or going on a vacation. It is essential to have a savings plan in place to accomplish these goals. Lastly, saving money can provide financial stability and reduce financial stress.

Useful Tips to Save Money:

Here are some useful tips that can help you save money:

• Create a budget: Creating a budget is the first step towards saving money. A budget helps you track your income and expenses, and it enables you to identify areas where you can cut down your expenses.
• Set a savings goal: Setting a savings goal helps you stay motivated and focused. It can be a short-term goal like saving for a vacation or a long-term goal like saving for retirement.
• Avoid unnecessary expenses: Avoiding unnecessary expenses is crucial when it comes to saving money. Evaluate your expenses regularly and eliminate anything that is not necessary.
• Shop smartly: Shopping smartly is an excellent way to save money. Look for deals, use coupons, and compare prices before making a purchase.
• Save automatically: Saving automatically is an excellent way to ensure that you save money consistently. You can set up automatic transfers from your checking account to your savings account.

Conclusion:

Saving money is not an easy task, but it is crucial for financial stability and achieving long-term goals. By following the tips mentioned above and cultivating good financial habits, you can save money efficiently. Remember, it’s never too late to start saving, so start today and secure your financial future.

Hello! Welcome to my Blog StudyParagraphs.co. My name is Angelina. I am a college professor. I love reading writing for kids students. This blog is full with valuable knowledge for all class students. Thank you for reading my articles.

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How I Spent My Pocket Money (Essay Sample)

Table of Contents

Introduction

If you had your own pocket money, how would you spend it?

This essay focuses on how to spend money, and how to do so wisely. In this piece, we share a person’s experience of being taught to spend money wisely and what he would buy when he was given a regular allowance.

Writing an essay on what you would spend your money on? We can help. Go to EssayBasics.com to learn more about our essay writing services . We can help you express yourself by pairing you with a writer who has some experience in your chosen topic.

How I Spend My Money essay

One of the most exciting events in a young one’s life is when their parents give them an allowance. No matter the amount, an allowance gives us the opportunity to spend on small things that make us happy as a child.

The joy that an allowance brings is more than just the amount itself. It’s really rooted in the experience one gets in choosing how to spend it. First, there’s the anticipation of receiving an allowance. Next, there’s the excitement of thinking about all the things you’ve been wanting to get for yourself. Third, there’s the delight of actually receiving the allowance. Finally, there’s the sheer thrill of choosing what to buy and taking it home.

How and when an allowance is given, and how much is gifted to the child, depends on the guardians’ principles. There are those who provide an allowance for children to buy basic needs. But there are some who might give a little extra to give the child an opportunity to learn how to handle money well.

It must be said that not all children are privileged to have an allowance to spend on themselves. If they come from a poor family, the guardians may not have any extra finances to give. They may save up for this just once in a while.

I am very blessed that my parents gave me an allowance on a regular basis. My allowance has really taught me financial stewardship at a very young age. They also allowed me to make decisions regarding my finances, even if I made mistakes.

Saving Money at a Young Age

While my allowance isn’t a fixed amount, I have since learned that the first thing I should do is set aside a portion of it for savings. I get a third of whatever amount I get and earmark it for saving.

To make sure that I won’t be tempted to use it, my mom helped me open a bank account where I deposit the money. They opened a time deposit account, which means I cannot just withdraw from it anytime. Whenever I hesitated to go to the bank, my dad would remind me that my small deposits would turn into one big bulk of cash that could someday be used for a rainy day, or for strategic investments.

How I Spend Money with Whatever is Left

With what’s left of my allowance, I usually buy books. These are mainly documentary magazines, which I read during my leisure time. It is actually one of my hobbies. I have made it a personal tradition to always purchase a documentary magazine each time I get my regular allowance. I particularly enjoy news magazines and feature magazines. I am a lover of general knowledge. I love knowing about everything, how and why things are the way they are – whether about nature, politics, science, or geography. It is always a first on my list of hobbies.

The other bit of my regular allowance goes towards the purchase of snacks. I love yogurt and ice cream. The refrigerator at home always has a shelf specifically reserved for my yogurts.

The remainder of my allowance goes towards others. These include my family and friends. I try to buy them something nice as a way of thanking them for taking good care of me.

I also go out of the way to purchase some gifts for my siblings as well as my parents. I want to gift them with simple things, even if they were the ones who gave me my allowance. Doing this for them gives me so much satisfaction since I love making them happy. After all, what is life without happy family and friends?

Regular allowances taught me how to make wise spending decisions. I know how to handle and spend my cash, whatever amount it might be. Therefore, I am confident that when I start handling larger amounts of money in the future, I won’t be as overwhelmed. I will make it a point to remember the financial lessons I’ve learned as a child. I hope to also be able to teach others who to use their money wisely.

Short Essay About What You Would Spend Your Money On

Did you grow up being taught about the value of saving money? If you were like me, your mom and dad probably gave you a regular allowance. They also probably gave you free rein to use your money in whatever way.

Growing up, I deposited regular amounts into my savings account the moment my allowance was handed to me. I did not want to be tempted to splurge on all the food I was craving for while holding all of my money. Personally, apart from fast food, I enjoyed treating myself to books. In fact, I made it a regular tradition to purchase a book every time I got my allowance.

I remember being taught how to make a personal budget out of my allowance. Exactly how much money was given to me didn’t matter as much as the main principle they passed on: save money. They didn’t care if I used the rest of my allowance on junk food or other types of impulse buying. All that mattered to them was whether or not I set aside a portion to put in a savings account. And so I did.

How To Write An Essay About Money

There are so many ways to write a piece about finances. It depends on the lens you are viewing the topic from. Are you an adult looking back at your childhood and remembering important lessons learned? Are you a financial expert looking to give some advice on how to maximize your cash? Are you a student wanting to teach people how to set aside an amount in case of an emergency? Are you a parent who discovered creative hacks in your finances to make ends meet? Find your angle and work it.

How To Spend Money Wisely As A Teenager

When you are young and still living under your guardians’ roof, thinking about contingencies or other things you may be needing to buy before your next allowance comes may not come naturally to you. It is so important to learn how to handle your personal finances even at that age because that sets the direction of your spending in the future. When you start getting a monthly income, the weight of the responsibility is even greater as you start to live independently. Even as a teenager, learn to set financial goals and think of the long game. Even if you have to put money inside a piggy bank to avoid temptation, do so. Track your expenses and make adjustments according to your level of contentment. Learn the art of investing from an expert. Finally, don’t shop ’till you drop. It’s a trap.

Essay on Money

We all have seen money and also know how important it is. We need everywhere either to buy a bottle of water or a packet of bread. We work hard to earn money to buy our needs. Really it is very important and inspires us to work hard.

Short and Long Essays on Money in English

Find here some essays of 100 – 150 Words, 250 Words, 500 Words and 600 Words limit on this topic to have an explained view about:

Money Essay 10 Lines (100 – 150 Words)

1) Money is the medium of exchange that allows us to make payments.

2) Between 650 and 600 BC, the first-ever money Mesopotamian shekel came into existence.

3) In 1861, currency notes were established.

4) Money helps us to live a comfortable and luxurious life.

5) People work hard to earn more money.

6) We can buy services and goods through money.

7) Commodity money, Fiat money, Near money, Deposit money, etc are some types of money.

8) Money is required to fulfill our dreams.

9) Earlier coins of gold, silver, bronze, copper, etc were used as money.

10) Today, digital money is introduced into the world.

Essay 1 (250 Words) – Money

Introduction

The collective amount of coins and notes is denoted as money. We can buy all our stuff and fulfill our needs with the help of money. We can’t imagine life without money because we have to pay for everything.

Barter System

It is the medium of buying these days because in old days people use to get things by exchanging anything in return when money was not invented. They use to exchange goods or some other services or things. This system was termed as Barter System.

It is not every time we need money sometimes, we need food grains whereas something else, so those who use to work in lands use to offer food grains and use to buy things. Similarly, different people use to offer things as per their ability and what they had.

The First Currency

The Mesopotamian shekel was the first-ever money that came into existence between 650 and 600 B.C. Whereas, it is a belief that in India it started in the 6th Century BC. Whereas, the currency notes were first time seen in the year 1861. Before the currency notes, different rulers use different metals like copper, gold, silver, etc. They use to issue different coins with their symbol on it. Money has a vast history and today it seems so simple to have a 1000 ₹ note but it took centuries to develop money in the form of currencies.

Money is an important part of life and we work for earning more and more money. In today’s era the more money you have the more peaceful life you can live. It has become one of the most important things.

Essay 2 (400 Words) – Money and Its Types

Money is a five-letters simple word but has a lot of value. It is moving valuable than anything, people can go up to any extreme for earning money, and sometimes people also commit some crime. Actually, all of us like to have good food, a good dress, want to give a good education to our children, etc and for everything we need money. When people won’t able to match their needs they adopt some awful ways to earn money. I can say that money had made us blind and we just focus on earning.

Different Types of Money

Money has been categorized into various types and they are fiat money, commodity money, representative money, currency money, Deposit Money, Near Money, etc. 

Fiat Money : A money apart from currency notes. It is something like gold and silver and according to this; the government issues the printing of notes. We can say that it helps a nation to print notes and decides its economic growth. Anything publicly stated as money from the government authorities is fiat money. No one can deny from taking this money and if someone does it is considered as a case of violation of government orders. This type of money is called Fiat Money.

Commodity Money : The money earned with the exchange of goods like wheat, rice, cotton, etc. things which are manufactured and sold it can be some precious metals like Gold, Silver, too. When they are used to make something and sell. This type of money is known as commodity money. The money earned due to commodity.

Representative Money : It can be stated as the money which we use. A piece of paper or coin printed with some amount is termed as representative money. All of us use this money for buying different things in our lives.

Near Money : The other form of money which we have in the form of assets. These assets are property, land, home, Gold, Diamond, etc. We can get money in exchange for these things so it is termed as near money.

There are different types of money and all have some of its types but currency notes are something commonly used in our day-to-day life. Money is one of the most important needs of human beings. Different nations have different currencies and all of them have different values and this also decides the economic growth of that country.

Essay 3 (500 – 600 Words) – Money: Types, Uses, and its Characteristics

Money is a medium of payment we need to buy different things. It was a time when people use to live in villages and small towns and use to exchange things instead of using money. But everything has changed today and all of us want to be a part of the development and trending towards city life. A life where you have to buy water and the day is not far when we also have to buy air. But the main thing we need to fulfill our needs is money. So, you can analyze the importance of money in our life.

How Money Came into Existence

Before money, people use to follow the barter system and there is no strong evidence of when money was used. Still, people believe that coins and notes came into existence in 5000 B.C. Different kings started their own coins made up of different metals.

• Vima Kadaphises a Kushan emperor was the first king to introduce gold coins for the first time, around 100CE.
• Chandragupta II of the Gupta emperor was the first king to introduce silver coins.
• Apart from these, two other kings used different metals like copper, bronze, etc as money. These coins use to have the symbol of the emperor and they can be still seen in various museums across the nation as well as in the world.

Type of Money

According to economist Crowder, the currency is one of the three important inventions made by humans in modern times: currency, the wheel, and vote. Money has been categorized into different types; Near Money, Currency notes, Non-legal tender, Fiduciary Money, Bond, Cryptocurrency, Deposit Money, Legal Money, Representative Money, etc.

Uses of Money

There are different uses of money and I have listed some of the best below;

• Money is used as a medium of exchange for a commodity.
• Money is used for storage in banks for our bad times or in the form of savings.
• We can manage all kinds of needs with the help of money.
• It helps us to buy some assets, which are sometimes more valuable and decides our status in our society.
• If you have the money you can plan and execute your plans in a better way, and this is the reason why the rich are always rich and the poor is always poor, in most cases.

Characteristics of Money

There are some important characteristics of money like;

Durability : Money is termed as durable which means it never changes its importance for example you bought a car, but after some years you when you will sell it, you will not get the same amount. But money is something that remains the same for a long time. It is equally valuable even today and after some years.

Portability : We can carry anywhere easily and this is what portability defines. It is very easy to carry an amount of money. Yes, we need to carry them with lots of attention, but it is not very difficult to carry an amount of money.

Divisibility : We can easily divide a piece of land but it is simple to divide an amount of money. If you have to divide 100 Rs. among 5 people you can easily perform this task and this is because money is called divisible.

Acceptability : It is acceptable everywhere, where ever you go the value of your money will be the same depending on the nation. A dollar is something accepted in the entire world and where ever you go if you will offer a dollar it will be accepted as a dollar.

It is quite easy to spend some money instead of defining it. It has a lot of meaning I have mentioned some of its uses. Still, it is a very big topic, its importance never changed as per time. Every country has its own currency and different notes. I can say that we can’t imagine life without money in this era.

FAQs: Frequently Asked Questions

Ans . The currency notes and coins that are used by us to buy things whatever we need are termed as money.

Ans . The concept of money started in 5000 B.C.

Ans . There are about 170 official currencies in the world.

Ans . The strongest currency in the world is Kuwaiti Dinar.

Ans . The first coin in India was Karshapanas that have been created around the 6th century BCE.

Ans . China was the first country in the world to make paper money in 770 B.C.

Ans . The Reserve Bank of India is an authority for printing and managing the currency in India.

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