Rosh was engrossed in her homework, her pencil gliding over the paper as she sketched letters in neat rows. Across from her, Muthi sat with her glasses perched on her nose, focused on a spreadsheet filled with rows of numbers. The room was silent, save for the occasional sound of a pencil scratching or a key being tapped. "Muthi, what are you calculating?" Rosh asked, her curiosity piqued. "I'm working on my monthly budget, dear. It helps me manage how I spend and save my money." Muthi replied, her voice warm with affection.
Muthi leaned closer to her granddaughter, closing her laptop with a gentle click. "Let’s start by understanding what money is," she said, pulling out her phone and a few bills from her wallet. "These are digital money and physical money," she explained, showing Rosh the screen and the neatly folded notes. Rosh touched the phone screen, her eyes wide with wonder. "So, money is everywhere, but how do we use it wisely, Muthi?" "I'm glad you asked, Rosh. Tomorrow, you'll join me for grocery shopping to learn more," Muthi said with a smile.
Rosh walked alongside Muthi, feeling the excitement of a mission. Muthi held up her phone, showing Rosh a neatly organized shopping list. "It's always good to pre-plan your shopping," she said. "We have RM200 for our grocery budget today." As they navigated the aisles, Muthi taught Rosh to compare prices and avoid waste. Rosh spotted a deal on avocados and rushed over. "Let's get this, Muthi!" she exclaimed. "It's a good deal, but how many can we use this week?" Muthi asked, guiding Rosh to think critically.
Rosh watched in anticipation as the total came to RM164. "Muthi, why is it only RM164? We had RM200," she asked, curious about the leftover money. "We chose wisely and took only what was necessary," Muthi explained, her voice filled with pride. "Now we have RM36 left." Rosh nodded, understanding the significance of their choices.
Rosh watched Muthi, pondering the lessons learned. "Muthi, what will you do with the leftover money?" she asked. "I'll put it into my EPF account," Muthi replied. "It grows with dividends, allowing me to do more for others." Rosh's eyes sparkled with excitement, realizing the potential of wise financial choices.
Rosh walked through the bazaar with her family, her eyes catching on a toy she had wanted. Muthi’s words echoed in her mind, urging her to think wisely. Instead of purchasing the toy, she turned to her parents. "Please put this money in my savings account. Help me open an EPF account when I turn 14," she said with determination. Muthi smiled proudly, witnessing Rosh's growth. "You've learned well, my dear," she said, her eyes twinkling with pride.
