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Age: 18

School: Year One medicine student at the University of Hong Kong (HKU)

Young Post: Being a full-time student can be expensive. How do you manage?

Un: Luckily, I got 10 As in the HKCEE last year.

My alma mater, La Salle College, awarded me HK$3,000 and I got HK$8,000 from Charles Frankland Moore Award.

Besides, I was exempted from paying tuition fees for my Form Six studies by the government, helping me to  save more than HK$1,000 per month.

HKU  also  gave me a  scholarship to cover the first year's  tuition fee [HK$42,100].

These have greatly reduced  my financial burden.   HKU will assess my performance every year to decide whether I will continue to get an exemption of the annual tuition fee.

YP: How did you spend the money you obtained from scholarships?

U: I saved all the money for  my university studies.

YP: Why didn't you think about investing them?

U: I knew nothing about the stock market, so I didn't want to take a risk.

YP: Do you  get  pocket money?

U: I have been tutoring a Primary Six student since last year. I am paid HK$90 per hour. I give two  90-minute tutorials, earning HK$270 every week.

But  this is not  enough to cover the costs.

For example, I spend a lot on transport.  I live in Wong Tai Sin and the university is in Pokfulam. It costs about HK$20  for a single trip.

I didn't apply for a dormitory because I want to concentrate on my studies to make sure that I win a scholarship to cover my tuition fees in the future.

Also, I am planning to have more tutorials,  especially for secondary school students, because I can  probably earn HK$120 per hour.

It will be good  if I can recruit three students.

YP: Do you save money regularly?

U: I try to save about HK$500 every month, but don't always succeed.

I don't waste money.  I mainly spend  on transport and eating out.



Your money: Timothy Un Ka-chun