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BOTOKA TECHNICAL SCHOOL NAME GRADE 2018 STUDENT DIARY
PERSONAL INFORMATION Name Surname Address Teacher Father s Name Cell Email Work Mothers Name Cell Email Work Transport Cell Doctor Tel Allergies Medical Aid Name Medical Aid No BOTOKA TECHNICAL SCHOOL 2 Tubatse St Ikageng Potchefstroom 2539 Tel 018 295 2009 SCHOOL TIMES DAYS START END MONDAY THURSDAY 07 40 13 45 FRIDAY 07 40 13 00 Grade Specific Consult with relevant campus
BROCHURE Elephant Lion Buffalo THE BIG FIVE SECRETS OF MONEY MANAGEMENT A FINANCIAL BEHAVIOUR CHANGE EXPERIENCE Rhino Leopard Bankseta accredited 1
WHY THE ON THE MONEY APPROACH TO MONEY MANAGEMENT OLD MUTUAL S RESEARCH HAS SHOWN THAT POOR FINANCIAL HABITS ARE AT THE ROOT OF POOR MONEY MANAGEMENT MANY PEOPLE KNOW WHAT TO DO THEY HAVE BASIC KNOWLEDGE AND MOTIVATION BUT THEY WIND UP NOT DOING IT ON THE MONEY targets this by helping people see how easy it is to start new habits and break old approaches The ON THE MONEY programme is accredited by Bankseta and is NQF aligned By focusing on actual behaviour change Old Mutual is putting a considerable investment into breaking the cycle of generational poverty The ON THE MONEY series concentrates in particular on helping people to get into saving habits and get out of debt traps OBJECTIVES OF THE PROGRAMME How you can break old habits that get in the way of financial stability and establish worthwhile new ones The habit of pro active saving the basis of all good money management How to get into the habit of creating powerful clear and specific short medium and long term visions that are realistic achievable and inspiring How to get into the habit of charging down your debt as fast as possible How to get into the habit of protecting your assets and growing your wealth through wise investments 1
The diary is the property of the school and must be handed in if the learner leaves the school during the year Each learner must write his her name clearly on the correct pages No pages must be torn out The diary has to be at school everyday d The diary must be available at all times for control If a diary is lost for any reason the learner must replace it immediately at own cost
THE SECRET OF THE LION THE LION EATS FIRST AHEAD OF THE PACK YOU TOO SHOULD EAT FIRST BY ARRANGING AN AUTOMATIC DEDUCTION FROM YOUR SALARY AT THE VERY START OF THE MONTH BEFORE YOU SPEND ANYTHING Most people try to save from what is left over after their daily spending The secret of the lion encourages a new pro active habit giving meaning to the idea of taking the Lion s share Included in this module are learnings about the different saving vehicles and about how to use debit or stop orders to achieve automatic discipline and regularity to your new saving habit The module also looks at how much you should ideally be saving at different stages of your life Once you are in the habit of eating first you need to think carefully about the pros and cons of various methods of saving THESE INCLUDE The Savings Club or Stokvels Method A Saving Account at a Bank or Post Office Notice Deposits Fixed Deposits 2
C SAV G IN CE S SS SAV S PR O ES G IN A savings plan is an investment in which a person contributes money on a regular basis in order to reach a financial goal on a short or a long term basis In order to commit to a savings plan you need to follow the 5 steps listed below S PR O 3 CHOOSE THE APPROPRIATE SOLUTIONS 1 IDENTIFY WHAT YOU There are many ways to save you need to research and find the right one for you A financial advisor can help you decide on which products or services you should use For short term goals you should focus on safety and liquidity rather than growth For medium term goals you need to find the right balance between growth and liquidity Long term investments are more risky but here you need to focus on growth and leave your money in your investment for many years ARE SAVING FOR No one starts a long road trip without a map of how they are planning to get to their destination Saving is the same you need to have a clear objective of what you are saving for we will cover this in the Secret of the Leopard When committing to your savings plan you need to write down each goal objective you have and the amount you want to save as well as a target date for reaching your goal You must make these realistic so that you can ensure your success Finance journey Write down goals Long term Medium term Short term goal invest goal growth goal safety liquidity Financial advisor savings plan Stay focused 4 MAKE IT AUTOMATIC As we have discussed you need to make savings automatic If you get used to the money not being in your account you won t miss it So feed yourself first and take the savings amount out of your account straight away 2 DETERMINE HOW MUCH YOU CAN SAVE We will cover this in more detail in the Secret of the Elephant but you need to know what you earn how much you spend and what you are saving so that you can determine how much you can save You might need to reign in spending in order to save the required amount Automate savings Feed yourself Move money first to savings 5 MONITOR YOUR PROGRESS Take time out every month to review your savings and see if you are meeting your goals If you aren t you will need to review your choices and maybe change your investment options If you are meeting them or exceeding them then it will motivate you to continue 30 Know your income Know your expenses Calculate savings Save more Every month Review savings Change investment options if needed Meeting goals will motivate you 3
BOTOKA TECHNICAL PLEDGE I___________________________________________________ a learner in grade _____ at Botoka Technical School will pledge to uphold the following o o o o o o o o o o Always be dressed in the correct uniform appropriate for the occasion Make sure that MY uniform is clean neat and presentable Ensure that MY hair is neat and in keeping with school policy Always be polite and greet first Stand up when approached by an adult particularly an educator Always be willing to assist Always show consideration to others Set a good example at all times esteem will be valued and respected Strive as a Botoka learner to live and behave up to the expectations of BOTOKA TECHNICAL SCHOOL Name of learner Signature of learner Grade Date
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THE SECRET OF THE LEOPARD THE LEOPARD NEVER LETS ITS PREY OUT OF ITS SIGHT PATIENTLY PLANNING AND MOVING TOWARDS ITS GOAL NEVER BACKING OFF AND STAYING FOCUSED Of course I have a goal for my future I want a better life Does this sound like you To succeed you need more concrete goals than this and you need to back your goals with good plans The module also looks at how much you should ideally be saving at different stages of your life What is your vision of your financial future THE SECRET OF THE LEOPARD SHOWS YOU HOW TO Make your financial goals vivid inspiring but also concrete and achievable Develop a plan to achieve your goals Get the support you need from others to achieve your goals Research shows that you are much more likely to succeed if you can ask someone to check in with you and encourage you from time to time Do each of these steps and you will be well on your way to achieving your goals 4
THE SECRET OF THE ELEPHANT YOU KNOW THE SAYING THE ELEPHANT NEVER FORGETS ITS KNOWLEDGE AIDED BY ITS MEMORY IS ITS POWER Knowledge is also power for financial planning If you don t do a budget at least once a year you won t know if you have or could get any spare cash to increase your savings or reduce your debt Only a budget can give you that powerful knowledge IN THIS MODULE THE ELEPHANT SHOWS YOU HOW TO Learn what you earn know what you owe and comprehend what you spend Use this information wisely to plan your spending in the future so that you can reduce debt or save more or both Get into the habit of doing an annual budgeting exercise on the same day each year just as our Finance Minister does an annual budget for the country To help you get into the habit the module outlines a few simple steps to creating a really useful personal budget STEP 1 Learn what you earn Understand your salary slips and bank statements so you know exactly what is coming in STEP 2 Know what you owe Record your expenses carefully so you know exactly what is going out STEP 3 Draw your future budget Set new targets and limits for certain items STEP 4 Review your budget At the end of each month compare your budgeted expenses to your actual expenses 5
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THE SECRET OF THE RHINO THE RHINO S WEAPON IS TO CHARGE WHEN CONFRONTED BY DANGER WHEN THREATENED IT WORKS OUT WHAT ITS BIGGEST THREATS IS AND CHARGES IT DOWN TAKING SWIFT CONTROL OF THE SITUATION This module looks at how you can always get into the habit of reducing debt fast and using debt wisely Debt is only dangerous if you don t manage it carefully and reduce it as quickly as you can GET OUT OF DEBT STEP BY STEP Make sacrifices in the short term and charge down your debt These steps can be helpful STEP 1 Face the problem Know how much you owe STEP 2 Share your problem Who can support you while you charge down your debt STEP 3 Adjust your budget Revise your budget so you reduce your spending on just a few items each month You then use the money you save to charge down your debt faster You will always find there are one or two places you can cut down a little STEP 4 Create strategies to deal with your debt You have to work out which debt poses the biggest threat This is often not the biggest debt you have but the one with the highest interest rate You need to charge that one down the fastest STEP 5 No new debt While you are charging down your debt learn how to stop yourself from incurring any new debts 6
EB T GETTIN OUT O FD G 1 FACE THE PROBLEM KNOW RESEARCH YOUR DEBT The type of debt you have the cost of debt what you owe your repayment each month when you will have repaid the full amount which debt has the highest interest rate 2 SHARE YOUR PROBLEM DEVELOP A SUPPORT SYSTEM This will help keep you focused on your goal of being debt free 4 3 CREATE STRATEGIES DEAL WITH YOUR DEBT ADJUST YOUR BUDGET REVISE YOUR SPENDING Enabling you to repay your debt quicker Which debts pose the biggest threat How do you deal with your creditors What are your options Will you be blacklisted Is there a sensible level of debt What is the sensible level of debt for you WHAT IT MEANS PERCENTAGE OF INCOME USED FOR MONTHLY DEBT REPAYMENTS 0 30 This indicates you are mostly responsible about money Debt is under control and you plan for the future CALCULATE YOUR DEBT RATIO 1 Work out your total monthly debt repayments 2 Work out your total monthly income 3 Work out the relationship between your total monthly income and your total monthly debt repayments Debt Income x 100 x 5 NO NEW DEBT STOP YOURSELF Stop yourself from buying anything else on credit 30 36 Heading towards danger 36 is the magic number in this ratio go further than this and there could be in trouble 37 50 Danger Potential to be out of control Reduce debt fast and do not take on new debt 50 Requires Immediate Action Debt is out of control and causing serious financial difficulty 7
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THE SECRET OF THE BUFFALO THE MIGHTY BUFFALO STEADILY GROWS ITS HERD AND DILIGENTLY PROTECTS ALL THE MEMBERS OF ITS FAMILY BY FINDING STRENGTH IN NUMBERS In this module you ll discover how to get into the habits of investing in careful well planned but effective investment products You ll find out amazing ways to pool your strengths with others in the form of simple insurance for your assets including protecting your own earning power THE SECRET OF THE BUFFALO allows you to understand the three critical elements of any investment the level of risk the rate of return and the amount of time you have to invest This module also looks at various kinds of marriage regimes ANTENEPTUAL WITHOUT ACCRUAL IN COMMUNITY OF PROPERTY 8 ANTENEPTUAL CONTRACT WITH ACCRUAL COMMON LAW MARRIAGE CIVIL MARRIAGE CUSTOMARY LAW
PL A N N EST A G IN G IN EST A TE TE PL A N N REVIEW BENEFICIARIES As your family situation changes over the course of a lifetime you may need to change the names of beneficiaries not only in your Will but also in life insurance policies and other documents that list beneficiaries such as trust deeds and group life funds FAMILY ESTATE TAXES There are various ways to limit the taxes payable on your estate such as estate duty and capital gains tax depending on the size of your estate and your family situation It is worthwhile to discuss the options with your financial advisor FAMILY GUARDIAN MINORS This issue is often overlooked by parents especially as a surviving parent remains guardian in the event of the death of the other parent However couples should always choose a guardian for their children just in case they should both pass away Parents who have minor children need to take time and special consideration when deciding who will take guardianship of their children in the event that they die Their nominated guardian should be stipulated in their Will The person nominated must be willing to be the guardian FRIENDS REVIEW UPDATE YOUR WILL SAFE STORAGE RECORD KEEPING It is a traumatic time for the surviving family when someone passes away It is essential to create a list of where all important information can be located and give the list to someone you trust Having a Will is the cornerstone of any estate plan For anyone with children the consequence of not having a Will may be devastating Once you have a Will it is important to review it regularly especially if you go through a life stage or job change Also ensure that your family know where to find your Will when you aren t around to show them It is a good idea to chat to your family about your wishes although this is a personal decision EXECUTOR THE EXECUTOR The executor is the person you choose to ensure that your wishes are carried out They could be a family member a friend an elder a priest or a lawyer You should speak to them about what it means to be an executor before you nominate them so that they are aware of what needs to be done and where to find your Will 9
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ABSENTEEISM NOTES Date Date As the Parent Guardian of Date As the Parent Guardian of As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Yes No Doctor s Note Yes No Doctor s Note Parent s Signature Parent s Signature Parent s Signature Date Date Date As the Parent Guardian of As the Parent Guardian of Yes No As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Yes No Doctor s Note Yes No Doctor s Note Parent s Signature Parent s Signature Parent s Signature Date Date Date As the Parent Guardian of As the Parent Guardian of Yes No As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Parent s Signature Yes No Doctor s Note Parent s Signature Yes No Doctor s Note Parent s Signature Yes No
ABSENTEEISM NOTES Date Date As the Parent Guardian of Date As the Parent Guardian of As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Yes No Doctor s Note Yes No Doctor s Note Parent s Signature Parent s Signature Parent s Signature Date Date Date As the Parent Guardian of As the Parent Guardian of Yes No As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Yes No Doctor s Note Yes No Doctor s Note Parent s Signature Parent s Signature Parent s Signature Date Date Date As the Parent Guardian of As the Parent Guardian of Yes No As the Parent Guardian of I wish to advise that the absence I wish to advise that the absence I wish to advise that the absence from school on from school on from school on was due to was due to was due to Doctor s Note Parent s Signature Yes No Doctor s Note Parent s Signature Yes No Doctor s Note Parent s Signature Yes No
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LATE COMING PERMISSION TO LEAVE Date Period Reason Educator Signature Parent Signature
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COMMUNICATION CIRCULARS Date Number Circular Parent Signature
SCHOOL POLICIES AND CODE OF CONDUCT CONDUCT OF THE EDUCATOR To teach with enthusiasm and dedication To Prepare meaningful educationally sound lessons Setting and maintaining high scholastic standards Being punctual in attendance and in my tasks Always keeping parents informed of their child s welfare and progress To be loyal to the school in all aspects CONDUCT OF THE PARENT Disciplining teaching and supporting my child and the school Ensuring the total adherence to school rules and values Encouraging self respect and an enthusiastic attitude Ensuring my child s respect of his her peers school and community To be loyal to the school on all aspects
SOUTH AFRICAN NATIONAL ANTHEM Nkosi sikelel iAfrika Maluphakanyisw uphondo lwayo Yizwa imithandazo yethu Nkosi sikelela thina lusapho lwayo Morena boloka setjhaba sa heso O fedise dintwa le matshwenyeho O se boloke O se boloke setjhaba sa heso Setjhaba sa South Afrika South Afrika Uit die blou van onse hemel Uit die diepte van ons see Oor ons ewige gebergtes Waar die kranse antwoord gee Sounds the call to come together And united we shall stand Let us live and strive for freedom In South Africa our land
STUDENT RIGHTS THESE ARE OUR RIGHTS We all have the right to learn without disruption We all have the right to aim for excellence and to do our personal best We all have the right to be safe We all have the right to expect our possessions to be safe We all have the right to a safe clean environment THESE ARE OUR RESPONSIBILITIES We will not interfere with the learning of others We will not stand in the way of those working to do there personal best We will not harm others either physically or verbally We will not interfere with other peoples possessions We will take care of our school environment
2 1 January Monday 3 January January Tuesday Wednesday
4 January Thursday 5 January Friday Make Extra Money Tip 1 Clean the houses of trusted neighbors Wash windows sweep floors hose down driveways dust furniture or anything else they ask you to tidy up Always ask the owner what products they wish you to use They will probably give you their own products for use Tell us how you made extra money this week stand a chance to win R500 00 Check out our social media pages for more details Tip Source http www wikihow com Save Money as a Kid For Sample Purposes Only
8 9 January Monday January Tuesday 10 January Wednesday
11 January Thursday 12 January Friday Saving Money Tip 1 Set a goal for yourself Saving your money is a lot easier if you have a particular amount in mind If you can t decide on a set amount just save around half of the amount that you earn or are given For example if you earn R20 00 today put R10 00 towards your savings Get a piggy bank or other means of storage Deposit the money in your SUM 1 Account at the end of every week Tell us how you made extra money this week stand a chance to win R500 00 Check out our social media pages for more details Tip Source http www wikihow com Save Money as a Kid For Sample Purposes Only
