MIVA STUDY PACK — Money Skills for Work and Life (English) Downloaded 2026-09-29. Free to pass on. Money Skills for Work and Life — Lesson 1: Where Your First Salary Actually Goes 8 minutes read The first salary is the most dangerous one. It arrives, it feels large, and within two weeks it is gone — and nobody can say exactly where. That is not a personal failure; it happens because no plan was made before the money landed. DECIDE BEFORE THE MONEY ARRIVES Money that is not assigned a job will find one by itself, usually a poor one. On pay day — before spending anything — split the amount into groups on paper or in a notes app. - Survival: transport to work, food, rent share, utilities, data. Pay these first. - Obligations: family support, school fees, any repayment you owe. Agree the amount in advance, not on demand. - Savings: a fixed amount that leaves immediately, even if small. - Free spending: what remains. This is the only money you spend without thinking. A SIMPLE STARTING SPLIT Many workers on a modest first salary manage well with roughly half for survival, a quarter for obligations, 10-15% saved, and the rest free. The exact numbers matter less than making the decision before pay day rather than after. [Transport is the hidden killer] Daily transport to work often eats 20-30% of an entry salary. Calculate it for a full month BEFORE accepting a job far from home — a higher salary an hour away can pay less than a smaller one nearby. PRACTICE QUESTIONS 1. When is the best moment to decide how a salary will be used? A) At the end of the month, from what is left B) On pay day, before any spending C) Whenever a need appears D) Never — it works out Answer: B — Unassigned money disappears. Splitting it at the moment it arrives is the single habit that changes outcomes. 2. Why calculate monthly transport before accepting a job? A) Employers require it B) It can consume 20-30% of an entry salary and change which offer is actually better C) It affects your tax D) It does not matter Answer: B — Real income is salary minus the cost of getting to work. A nearer job with lower pay often leaves more in hand. ---------------------------------------- Money Skills for Work and Life — Lesson 2: Saving and Using Mobile Money Well 9 minutes read Saving is not about having extra. It is about removing a small amount before life can claim it. Someone saving 50 cedis or 5,000 naira a month is building something real; someone waiting until they 'earn enough' never starts. MAKE SAVING AUTOMATIC AND SLIGHTLY INCONVENIENT - Move savings on pay day, not at month end. Same day, every month. - Keep savings in a separate place from spending money — a savings wallet, a susu or ajo group, a bank account you do not carry a card for. - Build one month of survival costs first as an emergency fund. This is what stops a small crisis becoming a loan. - Name the goal: 'tools', 'exam fee', 'rent deposit'. Named savings are far harder to spend. MOBILE MONEY DISCIPLINE Mobile money is convenient — which is exactly the risk. Check the fee before each transfer type; repeated small charges add up to real money. Confirm the receiving number by reading it back digit by digit before sending. Keep the confirmation SMS for any payment that matters, and never leave your PIN saved anywhere or share it with an agent. [Susu and group savings] Rotating savings groups work well when the collector is known, keeps written records and has a long local reputation. Never join one because a stranger promised unusually high returns — that is the shape of every collapse. PRACTICE QUESTIONS 1. What is the most reliable way to actually save each month? A) Save whatever is left at month end B) Move a fixed amount to a separate place on pay day C) Keep all money in one wallet and be careful D) Wait until the salary increases Answer: B — Saving from what is left almost never happens. Paying yourself first, into a separate place, does. 2. What should you do before confirming a mobile money transfer? A) Read the receiving number back digit by digit and check the fee B) Send quickly to avoid network issues C) Ask the agent to type it for you D) Delete the confirmation SMS Answer: A — Wrong-number transfers are hard to reverse. Ten seconds of checking prevents the most common loss. ---------------------------------------- Money Skills for Work and Life — Lesson 3: Debt, Loans and the Traps 9 minutes read Debt is not automatically bad. Borrowing to buy tools that increase your income can be sensible. Borrowing to fund a phone, a party or someone else's promise usually is not. The difference is whether the money will earn more than it costs. THREE QUESTIONS BEFORE BORROWING - What is the TOTAL amount I will repay, not the monthly figure? Always ask for the full number in money, not a percentage. - Will this loan increase my income, or only my spending? - If my income stopped for one month, could I still repay? If no, the loan is too big. LOAN APP AND LENDER WARNING SIGNS Instant loan apps are common across Ghana and Nigeria and some are dangerous: very short repayment windows, fees that grow daily, demands for access to your entire contact list, and harassment of your family when you are late. Some 'investment' offers promise doubling money in weeks — those are collapse schemes, and the late joiners always lose. [Never borrow to lend] A common trap: a friend or relative asks you to take a loan in your name for them. You carry the legal debt and the damage to your name, and they carry nothing. The answer is no, kindly and permanently. PRACTICE QUESTIONS 1. Which borrowing is most defensible? A) A loan for tools that let you earn more each month B) A loan for a newer phone C) A loan taken in your name for a friend D) A loan for an investment promising to double in a month Answer: A — Debt that increases earning capacity can pay for itself. Debt that only increases spending, or that you do not control, does not. 2. What should you always ask a lender for? A) The monthly payment only B) The total amount you will repay, stated in money C) Nothing — the app explains it D) A verbal estimate Answer: B — Small monthly figures hide huge totals. The total repayment in money is the only honest comparison between offers. ---------------------------------------- Money Skills for Work and Life — Lesson 4: Records, Family Pressure and Planning Ahead 8 minutes read Two things decide whether a young earner builds anything: keeping simple records, and managing the very real pressure of family expectations. RECORDS ANYONE CAN KEEP One notebook or one notes file. Every day, one line: what came in, what went out, and why. Nothing more. After one month you will see exactly where the money goes — and the surprise is almost always the small daily items, not the big ones. If you sell anything on the side, keep the same record: it is the beginning of a business and the evidence a lender or partner will ask for. HANDLING FAMILY DEMANDS WITHOUT CONFLICT - Agree a fixed monthly contribution in advance, and say the number out loud: 'I can send X every month.' A known number ends repeated negotiations. - Separate emergencies from routine requests. Emergencies are rare by definition. - It is not selfish to keep savings. A worker with savings can help far more over ten years than one who is emptied every month. - Never reveal your exact salary widely — say what you can contribute, not what you earn. PLANNING TWELVE MONTHS OUT Write the known costs of the coming year: exam fees, rent renewal, school fees, a certificate, tools, a family event. Divide each by the months remaining and save that amount monthly. Costs you saw coming are budgets; the same costs unplanned become loans. IF YOU WORK FOR YOURSELF - Define one service clearly: what you do, for whom, and what result the customer receives. - Set a price that covers materials, transport, phone data, your time and a small profit. Revenue is not the same as profit. - Write down every cost, sale, amount owed and payment received. Keep business money separate from personal spending where possible. - Agree the price and payment date before starting. For larger jobs, ask for a written deposit that covers materials. - Keep an emergency amount so one broken tool, sick day or delayed customer payment does not stop the business. [Bring this to work] The same habits — daily records, planning ahead, knowing the total cost — are exactly what employers look for in anyone handling stock, cash or a small team. Personal money skill is a visible professional skill. PRACTICE QUESTIONS 1. What is the simplest effective record to keep? A) A full accounting system B) One daily line: money in, money out, and why C) Nothing — you remember D) Only large expenses Answer: B — A single daily line is sustainable and reveals the small repeated spending that quietly consumes a salary. 2. What is the healthiest way to handle regular family requests? A) Give whatever is asked each time B) Refuse all support C) Agree a fixed monthly contribution in advance and keep it D) Announce your exact salary to everyone Answer: C — A known, agreed amount protects both the relationship and your ability to save — and ends repeated negotiation. 3. You charge 20,000 naira for a job and spend 12,000 on materials and transport. What is true? A) Your profit is 20,000 naira B) Your profit before other costs is 8,000 naira C) Costs do not matter once a customer pays D) You should record only the payment Answer: B — Revenue is all money received. Profit is what remains after costs: 20,000 minus 12,000 equals 8,000 naira before any other costs. ---------------------------------------- Money Skills for Work and Life — Lesson 5: Pricing Your Work: Labor, Materials, and Profit 7 minutes read WHY PRICING RIGHT MATTERS When you start a trade like tailoring, phone repair, photography, or carpentry, setting your price can feel confusing. If your price is too high, customers may walk away to another worker. If your price is too low, you work hard all day but cannot pay your bills, buy food, or replace broken tools. Good pricing is not a guess or an argument with a customer. It is a simple calculation based on three parts: materials, labor, and profit. THE THREE PARTS OF EVERY QUOTE Every price you give a customer should cover three clear things: - Materials: The physical items you need to buy for the job (fabric, zips, spare phone screens, pipes, paint). - Labor: The pay for your time and skilled hands. Think about how many hours the work will take and what your time is worth per hour. - Profit and Overhead: Extra money saved to buy new tools, pay transport (tro-tro, taxi, fuel), pay electricity, and grow your shop. For example, imagine you fix a phone screen in Accra. The new screen costs 150 cedis. Transport to buy the screen costs 20 cedis. Your time takes 1 hour, which you value at 50 cedis. Your price to the customer should be at least 150 + 20 + 50 = 220 cedis. If you charge 160 cedis, you are working for almost free. [Protect Your Cash Flow] Never start a project using your own personal money for materials. Always request a material deposit (usually 50% to 70%) before you buy supplies or begin work. HOW TO GIVE A CLEAR QUOTE Customers trust artisans who give clear, written estimates. Do not just shout a random number across the counter. Write down the cost of materials and labor on a piece of paper or send a clear WhatsApp text message. When a customer asks for a discount, do not just lower your price while keeping the job the same. Instead, adjust the scope of work. For example, if a client wants a cheaper price on tailoring, offer a simpler design that takes less time or recommend a simpler fabric. [Try This Today] Take one service or item you sell. Write down the exact cost of materials, transport, and your time on paper. Calculate your real profit to see if you are charging enough. PRACTICE QUESTIONS 1. What are the three core parts you must calculate when setting a price for a trade service? A) Materials, labor, and profit/overhead B) Transport, rent, and taxes only C) Customer discount, location, and phone credit D) Tool costs, food expenses, and savings interest Answer: A — Every sound business quote must cover the physical materials, your skilled labor time, and a profit margin for business expenses and growth. 2. What should you do if a customer asks for a lower price on a large job? A) Work for free to build a relationship B) Reduce the work scope or materials to match their budget C) Double the estimated completion time without telling them D) Pay for the extra materials out of your own pocket Answer: B — Reducing the scope of work or using simpler materials keeps your labor rate fair while helping the customer stay within their budget. ---------------------------------------- Money Skills for Work and Life — Lesson 6: Avoiding Money and Job Scams 8 minutes read STAYING SAFE FROM FINANCIAL SCAMS When you are looking for work or starting a trade, bad actors may try to steal your money. Scammers know that young people need jobs and income, so they create fake job posts, fake supply deals, and fake bank alerts. Protecting your hard-earned money requires caution, clear safety rules, and knowing common red flags before you hand over cash or personal details. COMMON SCAMS TO WATCH OUT FOR Here are the most common financial scams targeting job seekers and self-employed youth across West Africa: - Upfront Fee Scams: An agency or fake manager asks you to pay 5,000 Naira or 100 Cedis for an 'application form', 'uniform fee', or 'interview processing'. Real jobs pay you; they do not ask you to pay to get hired. - Fake Mobile Money Reversal Scams: A person sends you a fake SMS that looks like a MoMo deposit, then calls crying that they sent money by mistake and asks you to send it back. - Quick Investment Schemes: Platforms that promise to double your money in a few days or weeks are always scams. - Advance Supply Scams: A fake customer orders goods, sends a fake bank alert, and demands you dispatch the goods immediately before the money reflects in your bank account. [Golden Rule of Job Hunting] Never pay money to get a job or attend an interview. Legitimate companies never charge candidates recruitment fees or processing fees. HOW TO VERIFY BEFORE YOU PAY OR DELIVER Always slow down when money or goods are involved. Take these protective steps every single time: - Check account balances inside your official banking or MoMo app, not from an incoming SMS text. - Wait for bank alerts to clear into available balance before releasing products to new buyers. - Search online job groups or ask trusted elders if a company name or phone number is known for fraud. [Try This Today] Turn on two-factor authentication (2FA) on your WhatsApp and mobile money account today. This stops scammers from stealing your account to message your contacts for money. PRACTICE QUESTIONS 1. An employer asks you to pay a 50 Cedi fee to buy an interview registration form. What should you do? A) Pay immediately so you do not lose the opportunity B) Borrow money from a friend to cover the cost C) Decline, because legitimate employers do not charge fees to apply or interview D) Offer to pay double after your first month's salary Answer: C — Legitimate employers never demand cash payments or registration fees from candidates for job applications or interviews. 2. What is the safest way to confirm you received a mobile money transfer from a customer? A) Open your official MoMo app or dial your official USSD code to check your balance directly B) Read the text message sent to your phone notification bar C) Trust the customer's payment screenshot on their phone D) Ask the customer to confirm verbally that they sent it Answer: A — Scammers can send fake SMS texts or show altered screenshots. Always check your actual account balance using official app or USSD codes. ---------------------------------------- Money Skills for Work and Life — Lesson 7: Finding Work Through WhatsApp and Local Networks 7 minutes read USING FREE TOOLS TO GET CUSTOMERS You do not need an expensive website or high-street shop to find work. Most artisans and service providers in Ghana, Nigeria, and Togo gain clients through word of mouth and free digital tools. Your mobile phone and community network are powerful tools to build a steady stream of paying clients if you use them professionally. SETTING UP WHATSAPP BUSINESS Regular WhatsApp is for chatting with friends. WhatsApp Business is a free app built specifically to help artisans and small business owners present themselves professionally. - Professional Profile: Add a clear profile picture of your face or shop logo, your location, and your working hours. - Product Catalog: Upload clean photos of your finished work (e.g., tailored dresses, repaired phones, tiled floors) with clear prices. - Quick Replies: Save ready answers for common questions like 'Where is your shop?' or 'What are your delivery rates?' BUILDING A STRONG LOCAL NETWORK People prefer to hire someone recommended by a friend or neighbor. Building local trust costs no money but requires regular effort. When you finish a job for a customer, ask politely: 'If you are happy with my work, please share my contact with your friends or post a picture on your WhatsApp status.' Satisfied clients are your best sales team. [Respect Customer Privacy] Never share photos of a customer's private home, children, or personal documents on your WhatsApp status without asking for their explicit permission first. JOINING COMMUNITY WORK GROUPS Search for local trade associations, community Facebook groups, and Telegram or WhatsApp job broadcast groups in your town. Be active by answering questions politely and showing photos of your work without spamming. [Try This Today] Download WhatsApp Business or update your WhatsApp bio today. Add your service title (e.g., 'Professional Electrician in Kumasi') so people know what you do immediately. PRACTICE QUESTIONS 1. What is a key advantage of using WhatsApp Business over regular WhatsApp for your trade? A) It pays you a daily salary for posting photos B) It allows you to create a product catalog with photos and prices for clients to view C) It automatically completes trade jobs for you D) It hides your phone number from potential customers Answer: B — WhatsApp Business features catalogs and quick replies, making it easy for customers to browse your work and prices professionally. 2. How can you get more client referrals from completed jobs? A) Politely ask satisfied customers to share your contact or work photos with their friends B) Offer to work for free for all new clients C) Message strangers on social media every hour D) Charge existing customers a penalty if they do not refer friends Answer: A — Satisfied customers are often happy to recommend reliable workers if you make a polite request upon completing a job. ---------------------------------------- Money Skills for Work and Life — Lesson 8: Financial Ethics and Building Trust 8 minutes read TRUST IS YOUR BIGGEST ASSET In business and employment, your technical skill gets you the job, but your financial honesty keeps you working. Employers and clients handle money with people they trust completely. One mistake with cash, inflated receipts, or stolen materials can destroy your reputation across an entire market, workshop, or town. CORE RULES FOR HANDLING BUSINESS MONEY Whether you work for a boss or run your own small shop, follow these financial safety rules: - Keep Business and Personal Money Separate: Never put client cash for materials into your personal pocket or personal MoMo wallet. Use a dedicated envelope or separate money account. - Give Exact Receipts: Always record every payment accurately. Do not pad prices or add extra hidden costs to materials without client approval. - Decline Kickbacks and Bribes: If a supplier offers you money under the table to buy poor-quality supplies for your boss or client, say no. It damages your reputation and the project. [Never Mix Funds] Mixing company money with personal cash creates confusion and leads to accidental spending. Keep customer cash in a marked envelope or separate mobile wallet immediately. WHAT TO DO WHEN MONEY MISTAKES HAPPEN Mistakes happen to everyone. If you accidentally lose cash, make an incorrect calculation on a receipt, or damage a material, do not hide it or lie. Tell your supervisor or client immediately. Explain what happened, apologize clearly, and propose a fair plan to fix or repay the loss. People forgive mistakes when you show total honesty. [Try This Today] Get a dedicated small pouch, envelope, or notebook starting today. Use it only for holding trade receipts and cash for client materials. PRACTICE QUESTIONS 1. What should you do if you realize you made a calculation mistake on a customer's receipt? A) Ignore it and hope the customer does not notice B) Blame a coworker for the mistake C) Inform the customer immediately, explain the error, and correct the balance D) Keep the extra money as a bonus Answer: C — Being prompt and transparent about errors builds long-term trust and proves your commitment to honest business practices. 2. Why is it important to keep customer money separate from your personal wallet? A) It prevents accidental personal spending and keeps your financial records accurate B) It allows you to spend client cash on personal transport C) Mobile money operators require it by law D) It doubles the amount of interest you earn Answer: A — Keeping business funds separate ensures you do not accidentally spend material money on personal items, avoiding debt and broken client promises. ---------------------------------------- Money Skills for Work and Life — Lesson 9: Build Your Professional Profile 10 min read OBJECTIVE: Set up a simple, honest professional presence online so employers and customers can find and trust you. Before someone hires you or buys from you, they often look you up. A professional profile is simply a clean, honest page that answers three questions: who are you, what can you do, and how can someone reach you? You do not need to be famous or have a computer. A phone and one good photo are enough to start. START WITH WHAT IS FREE - WhatsApp Business — free app. Add your trade, working hours, location and a short catalogue of your work or services. Many customers in West Africa will find you here first. - Google Business Profile — free. If you have a shop, workshop or stall, this puts you on Google Maps so people nearby can find you. - LinkedIn (free Basic account) — useful if you want office, NGO or company work. Add a clear photo, your trade or skill, and two or three lines about what you have done. - Local job and trade groups — Facebook and WhatsApp groups for your town or trade are where many real opportunities are shared first. You do not need all four on day one. Pick the one where your customers or employers actually are. A tailor or caterer may get more from WhatsApp Business and local groups; an IT support learner may need LinkedIn first. Add the others over time. WHAT MAKES A PROFILE TRUSTWORTHY - A real photo of you — face visible, plain background, neat clothing. No sunglasses, no filters. - Your real name, written the same way everywhere. - One honest sentence about what you do: 'I install and repair solar home systems in Hohoe.' - Proof: photos of finished work, a certificate, or a short quote from a happy customer. - A phone number or WhatsApp link that actually works. [Protect yourself] Never pay anyone who promises to 'verify' your profile or guarantee you a job for a fee. Real platforms like LinkedIn, WhatsApp Business and Google Business Profile are free to set up. Anyone asking for money to list you is likely a scammer. [Try this today] Write your one honest sentence — who you are and what you do — and save it in your notes. You will reuse it in every profile, CV and introduction from now on. PRACTICE QUESTIONS 1. Which of these is free to set up and puts your workshop on Google Maps? A) A paid business directory B) Google Business Profile C) A printed flyer D) A website you pay a developer for Answer: B — Google Business Profile is free and places your business on Google Maps and Search, so people nearby can find you. You only need a phone and your business details. 2. What is the most important quality of a professional profile photo? A) It was taken by a professional photographer B) It uses an attractive filter C) Your face is clearly visible and you look neat D) It shows you with expensive items Answer: C — Employers and customers want to see a real, trustworthy person. A clear, neat photo with a plain background builds more trust than any filter or expensive backdrop. ---------------------------------------- Money Skills for Work and Life — Lesson 10: Write Your Goals and Plan for Obstacles 10 min read OBJECTIVE: Turn a wish into a written goal, review it weekly, and use if-then plans to handle the obstacles that usually stop you. A goal that stays in your head is a wish. A goal written down, with a date and a next step, is a plan. Research on how people actually change their behaviour keeps finding the same thing: people who write their goals down, check them regularly, and decide in advance what to do when things go wrong are far more likely to finish what they start. WRITE IT DOWN, THE PRACTICAL WAY - One goal at a time. 'Finish the solar course by 30 November' beats five vague wishes. - Make it checkable. You should be able to say 'done' or 'not done' — not 'I tried my best'. - Give it a date. A goal without a date quietly becomes 'someday'. - Write the very next small step. Not 'get a job' but 'message two hardware shops on Saturday morning'. - Keep it where you will see it — a notebook, a note on your phone, or paper on the wall. THE WEEKLY REVIEW — 15 MINUTES THAT CHANGE EVERYTHING Pick one fixed moment each week — Sunday evening works well for many people. Ask yourself three questions: What did I finish this week? What got in my way? What is my next step for the coming week? Write the answers down. This small habit catches problems while they are still small, and it reminds you that you are moving, even when progress feels slow. IF-THEN PLANS: DECIDE BEFORE THE OBSTACLE ARRIVES Most plans fail at the same predictable moments: the data bundle runs out, a friend invites you out on study night, rain cancels the job you planned. An if-then plan is a decision you make now, so a hard moment does not require willpower later. The format is simple: 'IF [obstacle happens], THEN I will [specific action].' - IF my data finishes, THEN I will study from my downloaded offline lessons instead. - IF it rains on the day I planned to visit shops, THEN I will call them instead and visit the next day. - IF I feel too tired to study at night, THEN I will do just 10 minutes — starting is the hard part. - IF a customer delays payment, THEN I will send one polite reminder after three days, not argue. [A note on visualisation] Imagining your goal can help — but picture the steps, not just the reward. Instead of only dreaming about the certificate on your wall, picture yourself opening the lesson, answering the quiz, and messaging the customer. Picturing the process prepares you; picturing only the prize can actually relax you into doing nothing. [Try this today] Write one goal with a date, then write two if-then plans for the obstacles most likely to stop you. Keep them somewhere you will see this week. PRACTICE QUESTIONS 1. What makes a goal 'checkable'? A) It is written in English B) You can clearly say whether it is done or not done C) Other people approve of it D) It is ambitious enough to impress people Answer: B — A checkable goal has a clear finish line: 'finish 8 lessons by Friday' can be marked done or not done. 'Do my best' cannot — and vague goals are easy to quietly abandon. 2. Your study night arrives and your data bundle has run out. What does a good if-then plan do? A) It forces you to buy more data immediately B) It tells you to skip studying until next week C) It gives you a decision you made in advance, like switching to your downloaded offline lessons D) It punishes you for not planning better Answer: C — An if-then plan removes the need for willpower in the moment: you decided earlier that IF data runs out, THEN you study offline. The decision is already made, so you just follow it. ---------------------------------------- Money Skills for Work and Life — Lesson 11: Introduce Yourself in 30 Seconds 8 min read OBJECTIVE: Prepare and practise a short, confident self-introduction you can use with employers, customers and new contacts. Many capable people miss opportunities because they freeze when someone asks 'So, what do you do?' A self-introduction is a short, prepared answer — about 30 seconds — that you have practised until it feels natural. It is not showing off. It is simply making it easy for people to understand how you can help them. THE THREE-PART SCRIPT - Who you are: your name and your trade or skill. 'My name is Amina. I am a trained pharmacy assistant.' - What you can do: one or two concrete things, with proof if you have it. 'I have completed training in dispensing support and stock management, and I helped in a busy pharmacy for three months.' - What you are looking for: say it clearly. 'I am looking for a position in a pharmacy or clinic in this area.' or 'I take catering orders for events of up to 100 people.' Put together, it sounds like this: 'Good morning, my name is Kofi. I am a solar technician — I have finished certified training in home solar installation, and I have already installed systems for three families in this town. I am looking for more customers, and I also do repairs and maintenance. Here is my number.' Thirty seconds, and the listener knows exactly what you offer. MAKE IT YOURS - Adjust the ending for the listener: a customer hears what you sell; an employer hears what job you want; a contact hears how they can help you. - Practise out loud, not in your head — say it to a friend, a mirror, or your phone's voice recorder, five times. - Keep it honest. A small true claim beats a big exaggerated one that falls apart at the first question. - End with a way to reach you: your number, your WhatsApp, or where your shop is. [For shy learners] Feeling nervous is normal and does not mean you are bad at this. Preparation is the cure: a practised script means you never have to invent sentences while nervous. Start by using it in low-pressure moments — with a neighbour, then a shopkeeper — before the big interview or the important customer. [Try this today] Write your three-part introduction in your notes, then say it out loud three times. Use it once this week with a real person. PRACTICE QUESTIONS 1. What are the three parts of a good 30-second introduction? A) Your family background, your education, your hobbies B) Who you are, what you can do, what you are looking for C) Your salary expectation, your location, your age D) Your problems, your needs, your complaints Answer: B — The script answers the three questions every listener has: who is this person, what can they do for me, and what do they want? Keep it short, honest and practised. 2. What is the best way to prepare your introduction? A) Memorise a long speech about your whole life B) Wait for inspiration in the moment C) Practise a short script out loud several times before you need it D) Copy someone else's introduction word for word Answer: C — Saying it out loud — to a friend, mirror or voice recorder — is what makes it feel natural under pressure. A short, honest, practised script beats both improvisation and a long memorised speech. ---------------------------------------- Get the full app: https://miva-skillsnav.lovable.app