English Book 183-184

Building Knowlegde of the Field 
Activity 1
1. Yes, I am.
2. Yes, I've used it back then.
3. Actually I don't really use it both past and present because I didn't find it interesting. But instead I used a coutainer that exist in my home for saving money, because it's more interesting. Back then, I love saving my small change into the cointainer that I prepared for it. But for now, I rarely prepare any container for saving money. I just devided my wallet between the one that I can use for daily and the one that I have to save.
4. Based on my experience, saving money in piggy bank is more effective. Because for me, the money that I put on piggy bank is hard to take it out. While, in a bank is easier. I can use my saving in a bank whenever and wherever I want, so it's kinda useless to save my money in a bank for me.

Activity 2
1. Discipline, planning, and prioritization
2. There are 6 steps:
• Know your income
You can't build your budget based on your salary, it used be based on your net income.
• Determine your basic expenses
Figure out what your fixed expenses every month, these are the things that don't fluctuate or change dramatically throughout the year like rent/mortage payments, etc. This is a good time to make sure you have some kind safety net to help you pay for these expenses in case of an emergency.
• Determine your flexible expenses
These are the things that change based on usage like your phone, etc. You could also add up all those flexible expenses like clothes, entertainment costs, etc. These are the costs you have controll over.
• Determine what's really important
You have to take a really hard look at what you feel is truly necessary as much as you'd like to think you can't live without the lasest gadget. So if you want to find the fluff in your budget start digging into your variable expenses and rank what's most important to you.
• Follow your spending and review monthly
Keep an eye on your wallet and credit cards to make sure your're spending within limits throughout the month.
• Keep track
3. The first step is know your income
4. The last step is keep track

Activity 3
How to deposit checks through ATM:
1. First, insert your debit card into the machine.
2. Second, please select the language you wish to use.
3. Third, enter your personal identification number (remember to protect your pin number).
4. Fourth, select the type of transactiom by pressing the appropriate key. In this case we use the deposit type.
5. Fifth, choose between check and cash, in this case we use the check.
6. Sixth, they'll give us information when the funds will be available and if we would like to continue with the transaction, in this case we're gonna indicate yes.
7. Seventh, select an account type between checking or savings account, in this case we're gonna select checking account.
8. Eighth, if we would like to receive a receipt for the transaction and we're gonna indicate yes.
9. Ninth, prepare the check by strating and out to make it easy to insert to ensure that the check is endorsed if we already press continue.
10. Tenth, make sure the amount on the screen is accurate to the amount you deposited, if it's accurate press continue.
11. Eleventh, make sure to take your receipt as well as your debit card.


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English Book (189, 190, 193)

Gambar
Activity 1 Activity 2 1. The left picture got sold more than the right one 2. ⁠The right one is easier to use it for a payment than the left one 3. ⁠The left picture is cheaper than the right picture  4. The left one is last modern than the right one 5. ⁠The right one is ⁠more exclusive than the left one Activity 5 1. Who is the most manageable student in your class? 2. ⁠Is the supermarket more crowded than on weekend? 3. ⁠What is the most popular social media among teenagers? 4. ⁠Is visiting traditional market more enjoyable than visiting modern market? 5.⁠ Which one is more effective payment for online shopping cash or bank transfer? 6. ⁠Is learning a local language harder than learning a foreign language? 7. ⁠Which one is more practical, shopping online or offline? 8. ⁠Is saving money through ATM easier than through a bank teller? 9. ⁠What is the most helpful money management application? 10. ⁠When is the best time for saving money?
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