1. Accounting Paper- it was super tough compared to the previous year. The ultimate killer was the cashflow statement which consists of 28marks, yah i cannot balance as usual and every question is so tricky and full of traps.
2. IT Paper- My Prof Olaf Rieck (german) set the paper this time, my friends and I were mentally prepared as he is that type of person who wants application of IT in business ( can award 10 marks for one sentence answer if you apply correctly). Not to our surprise he set a rather TOUGH paper, but if we had listened attentively in the class, it shouldnt be a problem. Too bad, i always snoozed off in the morning class or watch movies with the computer.
3. Business Law- rather easier compared to other papers, quite standard format but depend on the arguements raise, make some silly mistakes but shouldnt done that bad. I intending to take business law as my 2nd specialisation. I feel that I LIKE how LAW works and its application but a lot say is useless.
4. Financial Management-Tough, and lack of time. A lot of people cannot finish the paper. It is 2 hours paper with 20 MCQ, but the MCQ is a killer, so difficult with lots of calculations which drag the time and the long answer questions cannot finish. I gave up the MCQ and go straight to the long answer part. But still cannot finished. For those friends wanted to specialise banking and finance, GOOD LUCK.

I like FM for the reason that quite a number of people do not know how shares and stocks and bond works ( i also before i take this module), so by knowing a little, i can help people like my mum to make some decision.

Finally, i finish my year in NTU business. Really a fast journey and i having my 3.25 months break....yeah!!!! super happy. Is a tough journey but i met many good friends and buddies on the voyage, without their help i think the sailing will be even tougher! Special thanks to Meihui, Cuimin, Ziqian, Paul, Joyce, Sabrina, Yvonne and Philip.

After our FM paper, we went to MS Kbox and sing our lungs out, but cuimin feeling super unwell so she left for home. I went Chapter 2 to cut my hair (2months never cut), then we shop around and our final destination at our favourite SUSHI TEI. We eat and talk cock till 10pm.

Will upload the Kbox, sushi tei photo once i got it from ziqian.

1. Get fashion discount cards like ESPRIT, TANGS & TOPMAN to get discount of 10-20% when you shop with them...i get a ESPRIT jacket for $49 in MACAU after the discount which cost $99 in Singapore.
2. Get more friends to buy things together- me and ziqian buy 2 Adidas watches together hence the sales retailer give us $10 off each.
3. Shop online: I get my both birkenstock online with yanling and friends at the price of $80 which is much cheaper compared to the $140 ++ in the local retail shop.
4. Buy perfume from friends working in place with discount: Regina "gwong dai" (working at airport) always help me buy perfumes as she enjoyed staff discount plus duty free, hence is much cheaper than outside market price. Eg. polo blue, polo explorer, starwalker etc.
5. Always shop only when there is a sales: i bought my CK undies at cheap price of $10 to 20 only. Recently just bought a crocodile polo and berms total up to $49 only from century square's BHG.
6. Buy concerts tickets using student price ($16 tix sold at $11)
7. Preparing own breakfast and lunch: ( sandwiches and museli)
8. Limit each day expenditures to $10 a day
9. Print notes on double side of paper and sell textbooks as much as possible
10. Call back home to inform my mum that i will not be home for dinner so that she dont cook my share
11. Reduce dining out...sadly but no choice
12. On aircon at 25degree to cool the bed, and dont on overnight
13. Work, work and more work

These are about all the ways i am using to tighten my financial budget due to the high inflation. Share with me if you have better ways too.

Fast Food

• McDonald’s
• Subway
• Canadian Pizza
• Old Chang Kee

Cafés

• Sakae Sushi
• The Palette (Western Food)

Level 2 (accessible from LT1 at Plaza level, and interconnected with Level 1)

• Food Connection (Food Court)
• Executive Café