Financial Tool kit

Phone plan: if my parents don't pay for it

Clothes

Tuition

Additional food I wish to buy

Pass for public transportation

Any book I need or want

Get a job and ridiculously save what I earn.

Live with family/ Home Stay

Only purchase what is necessary.

$28,250

Two courses

Home stay/ living with family

Do not save what is left after spending, but spend what is left after saving.
- Warren Buffett

Never spend your money before you have it.
- Thomas Jefferson

He who buys what he does not need, steals from himself
- Swedish Proverb