The fact is, there is no getting away from testes and exams, and we know that sitting for your exams can be a stressful experience. Below are 5 of the best ways you can adopt to reduce if not overcome the nerves, the butterflies in stomach feeling, the tensions some might have when exams are near.

1) POSITIVE THINKING:
A positive mindset can do great wonders to boost your confidence in the exam hall. When you start getting those exam nerves and negative thoughts you should tell yourself that you are going to pass the exam. A positive mindset will improve your chances, so why not?
However, make sure you have done the preparation and studying — this doesn’t mean just reading notes all day and night, you must also practise past exam questions. Check with your tutors or friends if you have any part of a question which you are not sure of. Remember that if you find a question difficult, it’s likely that other candidates will too.

2) BREATHING RELAXATION:
Changing your breathing is one of the quickest and most effective was of changing how you feel.  Take deep and slow breathe, by breathing at a different pace, the anxiety can be controlled.

3) PREPARATION:
Only those who are prepared can help themselves. The best route to confidence in the exam hall is to know that you’ve prepared as much as you can. The challenge will be honesty to yourself, have you done what you should have done for the preparation? If you have done so, then tell yourself that you have done what you know you should do, and let the test or exam show you what else you need to do which you missed.

4) REWARD YOURSELF:
Plan some fun and exciting programmes to reward yourself after the exam. Since there’s nothing much you can do about the exam when it’s over — so why not just relax and enjoy? The looking forward will help in relaxing the anxiety that is build up before and during the exam.

5) GROUP STUDY:
Try to study and revise in a group, as it really helps in coverage of the topic to revise, and it will also remind you that you’re not the only one facing the exams. When you study in a group, or even having tuition in a group, there are bound to have some competitions. Healthy competitions will help to build a fun and constructive environment. Helpful reminder and advises from one another, will allow learning to accelerate. This helps to make you feel really confident.

PS. If you are interested in having group tuition, please email to tuition@moneytree.sg

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Our Children don’t usually have the chance to learn much
about money management skills in schools, but don’t think
that means they don’t learn about money. Children are like
sponges, absorb fast and a lot. They soak up everything they
can at an early age, and learn much more than we’d like from
anything and everything they saw everyday. This is why
positive role modeling is so important. It’s also why the
children need to learn more about money management whether
you mean to or not. It’s important that parents realize that
their children need to actively learn about money. At least
that way they may learn the right lessons before building
the wrong habit.

Many parents feel that discussing money or finances with
children is taboo. This fact alone speaks volumes about the
parent’s view of money. Parents teach their kids important
life skills like walking and talking, looking both ways
before crossing the street, and not to play with matches;
send them to schools to teach them about professional skills
and knowledge, but why not let them learn more about money?
Maybe parents feel that they themselves don’t know enough.
What better opportunity to learn together? One don’t need to
be Einstein or have a degree in calculus to understand
saving, and spending less than you earn. It doesn’t take a
high degree of business acumen. It takes time, effort and
the right environment. You may be surprised how much less
effort it takes than you thought if they begin learning in
the correct environment.

Start Early:
The right time to teach children about money is now. Start
them as early as possible, since it’s easier to learn good
habits than to unlearn bad ones. The financial decisions we
make early in life carry a heavy weight over time. Learning
the right skills and making good decisions early in life can
mean a smoother financial road ahead, but lack of a financial
education leads to poor decisions which can weigh a person
down and hold them back for a lifetime. Do your best to help
your kids learn from your mistakes early enough to avoid them.

Baby Steps:
Start small and build from there. At a very young age,
children can grasp the fact that you can’t simply take what
you want from the supermarket and go home. They notice that
you have to go through the checkout and hand the cashier
something - explain what that something is. Or maybe your
child wonders why you go to work everyday. This can be
especially hard for parents who wish they could stay home
with their children. Look for help and other environment that
provides assistance. I know a lot of working parents feel
immense guilt at leaving their children every day to go to
work. Explain to them that you do so to make money, so you
can buy food to eat, clothes to where, etc.. It will turn
you into a heroic figure in their eyes.

Early money lessons can be focused on where money comes from
and why we can’t always get what we want in life right when
we want it. This then leads to saving, budgeting and how to
make smart purchases. Eventually, children can learn about
investing and building wealth for later in life, so they
won’t become a burden on society (or their parents). Provide
them with the good environment to learn from, they will learn
faster while learning together with friends in the fun way.

Raising children is really about raising adults. The
behaviors and skills we learn as children have a huge impact
on how far we will go in life as adults. Children who learn
money management from credit companies, and how to live
beyond their means become a burden from the rest of society,
and will never experience life off the pay check to pay
check treadmill. Why wouldn’t we want our children to learn
about money management? Give them a head start today.

Happy Lunar New Year to all! In the year of “Cow”,

we wish everyone have

GREAT HEALTH and GREAT WEALTH!

And Have Plenty Of Money to COW,

Score “BULLISH” results and stay happy!!!!

Cheers!!!

Yo all, we have a MT AClub member, Vanessa who took part in the N.E.MATION Total Defense Contest.
The Contest is now open for voting at
http://www.nemation.sg/vote.aspx
Her project is C8 from SAC, so cast your vote for her team now!

Each person can cast 3 votes, just make sure 1 vote goes to her team,
C8, it is really good.

Cheers