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I totally agree! I agree with losing money because sometimes it's part of taking risks or learning from mistakes. Losing money can teach valuable lessons that help us make better decisions in the future.

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I totally disagree disagree with losing money because it can cause financial stress and insecurity. Money is hard to earn, and losing it often means sacrificing important needs or goals.

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That's partly true, because in some situations, it can be part of learning or investing in future success. However, it's important to manage risks and avoid unnecessary losses.

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I completely agree that saving money is essential.

Absolutely, budgeting helps us avoid unnecessary debt.

You’re right, tracking expenses is the key to financial stability.

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Set a Budget

Pay yourself first

Avoid Impulse Purchases

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1) Don’t buy things that you don’t find a necessity, it will help you to save money

2) don’t open many bank accounts

3) Do a list with the organization and the things you spend the most money on so you keep a line with the money you spend.

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credit card overdraft

it can quickly lead to high interest charges and worssen your financial situation

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Jaime: I agree because managing money carefully helps me plan for important things like school and emergencies.

Fernando: I agree since saving money gives me security and freedom to do what I want later.

René: I agree because when I control my spending, I feel less stressed about unexpected costs.

Disagree:

Jaime: I disagree because sometimes it’s important to spend money and enjoy life, not just save all the time.

Fernando: I disagree since if you focus only on saving, you might miss out on fun experiences.

René: I disagree because strict money rules can make life boring and stressful.

Partially agree:

Jaime: I partially agree because saving is important, but so is spending on things that make you happy.

Fernando: I partially agree since balance is necessary between saving and enjoying the moment.

René: I partially agree because managing money well means knowing when to save and when to spend.

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I’m afraid I disagree that we should spend money as soon as we earn it.

That’s not how I see it; investing is better than keeping all your money in cash.

I totally disagree that credit cards are always bad—if used wisely, they can be helpful.

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 I disagree because sometimes focusing too much on strict money management can take away from enjoying life. If people only save and never spend on things that bring them happiness, such as traveling, hobbies, or spending time with loved ones, they might feel stressed or unfulfilled. Money should not only be for survival, but also for creating meaningful experiences.

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 I disagree because sometimes focusing too much on strict money management can take away from enjoying life. If people only save and never spend on things that bring them happiness, such as traveling, hobbies, or spending time with loved ones, they might feel stressed or unfulfilled. Money should not only be for survival, but also for creating meaningful experiences.

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I partially agree since I believe money management is important, but it should be balanced. Saving and investing are crucial for long-term stability, yet enjoying the present is also necessary for emotional well-being. A healthy approach would be to plan for the future while also allowing some freedom to spend on activities or items that bring joy.

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I partially agree since I believe money management is important, but it should be balanced. Saving and investing are crucial for long-term stability, yet enjoying the present is also necessary for emotional well-being. A healthy approach would be to plan for the future while also allowing some freedom to spend on activities or items that bring joy.

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-I don't agree with using credit cards beyond their limit because it can lead to high fees and long-term debt.

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I agree to some extent that we should enjoy our money, but we also need to save for emergencies.

That’s true, but saving too much without enjoying life can be stressful.

You have a point about investing, but it’s also important to keep some money liquid.

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1Create a monthly budget – Write down all your income and expenses so you can clearly see where your money is going. This helps you avoid overspending and makes it easier to save.

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1Create a monthly budget – Write down all your income and expenses so you can clearly see where your money is going. This helps you avoid overspending and makes it easier to save.

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2Save before you spend – As soon as you receive your income, set aside a percentage for savings first, and then use the rest for your expenses.

3Avoid impulse purchases – Before buying something you don’t really need, wait at least 24 hours to decide if it’s worth it. Many times, you’ll realize you can live without it.

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I agree up to a point with allowing credit card overdrafts, since they might help in urgent situations, but they should be used carefully to avoid financial problems

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if its small overdraft and paid off quickly, it may not cause major harm

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its a problem, but it can also teach better spending control

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Create and follow a budget

Track your income and expenses to see where your money goes.

Allocate specific amounts for needs, wants, and savings.

Pay yourself first

Set aside a fixed percentage of your income for savings before spending on anything else.

Automate transfers to a savings or investment account if possible.

Avoid unnecessary debt

Use credit cards wisely and pay the full balance each month.

Borrow only for investments or essential needs, not impulsive purchases.

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Patricia Araúz, Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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Patricia Araúz, Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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1. Credit card overdraft: I totally agree that this is a serious problem because it can quickly increase your debt due to high interest rates.

2. Eviction from your house: You’re right, losing your home can be one of the worst financial problems because it affects your safety and stability.

3. Repossessed car: I couldn’t agree more — losing a car can limit your ability to work and earn money.

4. Losing money: That’s a good point, losing money can ruin your budget and cause stress.

5. Spending money: I see exactly what you mean, spending money carelessly can lead to serious debt.

6. Accumulating debt: You’re right, debt can grow fast and become very hard to pay off.

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Patricia Arauz, Yenelis Villarreal, Nathaly Caballero, Alex Villarreal, Fernando Batista, Rosmel Chávez 

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Patricia Arauz, Yenelis Villarreal, Nathaly Caballero, Alex Villarreal, Fernando Batista, Rosmel Chávez 

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1. Credit card overdraft: I totally disagree, because if you manage it well, an overdraft can be temporary and not a big deal.

2. Eviction from your house: I don’t agree, because some people can move in with family or friends until they find a solution.

3. Repossessed car: Absolutely not, some people can live without a car if they have public transport.

4. Losing money: That’s not right, sometimes losing a small amount of money is not a big deal.

5. Spending money: I totally disagree, because spending money can be part of enjoying life.

6. Accumulating debt: I’m not sure about that, because sometimes debt can be an investment, like for a house or education.

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-I totally agree because that credit card overdrafts can be useful in emergencies because they provide temporary access to extra funds when needed.

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LOSING MONEY

Losing a large amount can disrupt your savings and plans.

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Patricia Arauz , Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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Patricia Arauz , Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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Credit card overdraft: I agree up to a point, but sometimes it’s just a small inconvenience if you can pay it back quickly.

2. Eviction from your house: I see your point, but sometimes people can recover quickly if they have savings or support.

3. Repossessed car: That’s partly true, but it depends on where you live and how important a car is for your daily life.

4. Losing money: I agree up to a point, but it depends on how much money is lost.

5. Spending money: I see your point, but controlled spending is not a problem.

6. Accumulating debt: That’s partly true, but not all debt is bad if it’s managed wisely.

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If its a small loss, it might not significantly affect your finances.

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Patricia Arauz, Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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Patricia Arauz, Nathaly Caballero, Yenelis Villarreal, Alex Villarreal, Rosmel Chávez, Fernando Batista 

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1. Pay yourself first – each time you receive income, immediately transfer a set percentage (for example, 10–20%) into a savings account before paying bills or spending. This makes saving a habit instead of an afterthought.

2. Avoid impulse purchases – before buying something that isn’t essential, wait at least 24 hours to decide if you really need it or if it’s just a temporary desire. This helps you cut unnecessary expenses.

3. Track and review your expenses – keep a record of everything you spend for at least a month. Then review it to identify patterns, eliminate wasteful spending, and set realistic budgets for categories like food, entertainment, and bills.

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Its bad, but it can push you to be more carefut in the future.

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Overspending can lead todebt and financial stress.

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Spending on necessary items or investments can be positive.

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Spending is fine if balanced with saving.

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It creates instability and can harm your credit history.

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If you have a backup place to live , itmay not be catastrophic.

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agree with the idea that saving money is important because it helps in emergencies.

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It is a setback, but it can lead to finding a more affordable home.

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I completely agree that education should be free for everyone.

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Losing your car make it harder to get to work and earn money.

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I disagree with the statement that money is the most important thing in life because health and relationships matter more.

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I partially agree that working from home is better; it saves time, but it can also be isolating.

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If public transport is available, it might not be a big issue.

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It is inconvenient, but it can help reduce unnecessary expenses.

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1. Create a budget and track expenses – Write down your income and spending to see where your money goes and avoid unnecessary purchases.

2. Save first, spend later – Put aside a fixed percentage of your income (e.g., 10–20%) into savings before using the rest.

3. Avoid impulse buying – Wait at least 24 hours before making non-essential purchases to decide if you really need them.

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I don’t agree that social media is bad for everyone; it depends on how it is used.

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I agree to some extent that money brings happiness, but it’s not the only factor.

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1. Set financial goals – Decide what you’re saving for (emergency fund, trip, education).

2. Track your spending – Use an app or notebook to see where your money goes.

3. Cut unnecessary expenses – Cancel unused subscriptions or reduce takeout meals.

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it can trap you in a cycle of payments and stress.

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Disagreement:
I disagree with losing money because it represents a lack of control over my finances. Every peso lost is a lost opportunity: to invest, to save, or to cover a future need. Losing money due to bad decisions or carelessness can lead to debt, stress, and limitations in the future.

Agreement (in part):
However, I agree that sometimes "losing money" is part of learning. Investing in something that doesn't turn out well can teach me to better assess risks. Also, spending money on experiences or mistakes can have value if it allows me to grow as a person or professional. Sometimes, losing money is part of the process of improving my relationship with it.

Agreement:
I agree that saving money is essential. It gives me peace of mind, security in emergencies, and the ability to achieve long-term goals like traveling, studying, or buying a house. Saving allows me to make decisions without financial pressure and gives me freedom.

Disagreement (partly):
However, I also disagree when saving becomes an obsession that prevents me from enjoying the present. Saving without spending on things that make me happy or without indulging in little treats can make me live in fear or with a scarcity mentality. Money is meant to be used balanced, not just stored.

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some debt, like for education or investment can be beneficial.

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debt is risky,but manageable if planned and contralled

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1. Spending Money

Agree:

I completely agree that controlling your spending is essential to save money.

Absolutely, being mindful about purchases helps avoid wasteful expenses.

2. Eviction from Your House

Agree:

I agree that paying rent or mortgage on time should be a top priority to avoid eviction.

Absolutely, keeping your housing payments up to date prevents many problems.

3. Accumulating Debt

Agree:

I totally agree that accumulating debt can harm your financial health.

Absolutely, living within your means prevents debt buildup.

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Allison, Maria, Ariadna, Hilary, Ricardo, Yaussin, David, Jose Miguel

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Allison, Maria, Ariadna, Hilary, Ricardo, Yaussin, David, Jose Miguel

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1. Track your expenses.

2. Set a Budget.

3. Build an emergency fund.

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1. Disagree:

I don’t think spending money on small pleasures is always bad.

I’m afraid I disagree that you should never treat yourself; sometimes it’s necessary.

2. Disagree:

I disagree that eviction only happens because of late payments; sometimes it’s due to unfair circumstances.

I don’t think eviction always means the tenant is irresponsible.

3. Disagree:

I disagree that all debt is bad; some debts, like mortgages or student loans, can be investments.

I don’t think you should avoid all borrowing—sometimes it helps grow wealth.

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It can lead to high fees and worsen your financial situation.

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1. Partially agree:

I agree up to a point that spending less saves money, but it’s also important to enjoy life.

That’s true, but sometimes spending a little can boost your happiness and motivation.

2. Partially agree:

I see your point about paying on time, but sometimes unexpected events make it hard to pay.

I agree with you in part; prevention is key, but we also need support systems for emergencies.

3. Partially agree:

I agree partially; while debt is risky, responsible borrowing can be useful.

That’s true, but managing debt carefully makes a big difference.

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A small overdraft, repaid inmediately, might not have a serious impact.

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1. Spending Money

Tip: Control your spending by distinguishing between needs and wants.

Before buying something, ask yourself if it’s necessary or if you can do without it to save money.

2. Eviction from Your House

Tip: Prioritize paying your rent or mortgage on time to avoid eviction.

Organize your budget to make sure housing payments are a priority, preventing stress and extra costs.

3. Accumulating Debt

Tip: Avoid accumulating debt by only spending what you can afford and paying off your credit cards every month.

Stay within your means and use credit responsibly to avoid unnecessary interest.

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Its risky, but it can be a reminder to monitor spending more carefully

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agree. it causes high fees.

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disagree. small overdrafts can be harmles.

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partially agree. risky but can teach control.