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      <title>Living On Your Own: The Financial Aspect by </title>
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      <pubDate>2023-11-10 00:48:31 UTC</pubDate>
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         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789863372</link>
         <description><![CDATA[Welcome to my Padlet, which is all about the financial aspect of living alone. Here you'll learn about budgeting, what to do or expect before moving out, how to reduce the cost of living alone, and so many more tips on moving out on your own. From YouTube videos to photos and graphs, I have found a variety of content that focuses on moving out financially. Hopefully you will take something useful with you from my Padlet. Happy reading!!]]></description>
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         <pubDate>2023-11-14 22:36:27 UTC</pubDate>
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         <title>60 Money Saving Hacks to Slash Your Monthly Budget! </title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789864394</link>
         <description><![CDATA[<p>Frugal Creative Living's channel is all about helping people create an economical and enjoyable life and finding ways to spend less and create more. They provide tools, advice, and inspiration such as money-saving DIY projects, shopping and meal planning tips, budgeting tools, and motivation tips. This channel is perfect for those who want to learn how to better manage their money. In this video, Frugal Creative Living goes over 60 critical living tips that will help individuals save money and live a more sustainable lifestyle. From shopping for cheaper alternatives to finding low-cost entertainment, this video provides multiple creative and realistic tips to help you live a cost-effective life!</p><p>&nbsp;</p><p>I chose this video because a wide variety of financial and living tips are being shared that can be easily applied to real life. One tip that stood out for me is that if you use more than one streaming service, start using one at a time. So one month you have Netflix, the next month you have Hulu, and so on!</p>]]></description>
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         <pubDate>2023-11-14 22:38:15 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789865000</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-14 22:39:20 UTC</pubDate>
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         <title>8 Financial Tips for Living Alone!</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789865487</link>
         <description><![CDATA[<p>Cara Nicole is a YouTuber I came across while doing research for my topic. Nicole's videos are mainly about money, the media, and intentional living. She wants to be able to provide the public with financial education while promoting minimalism, sustainability, and financial health. In this video, Cara Nicole lists and breaks down eight financial tips for living alone that can help individuals become financially healthy and independent. From learning how to cook to budgeting and finding a place, Cara provides us with useful tips for those of us who want to live alone but don't know how to go about it.</p><p>&nbsp;</p><p>I chose this video because Cara provides a detailed explanation for each tip or advice she shares in her video. One tip I found the most useful is that hosting events at your house can help you save money when it comes to entertainment. For instance, instead of going out to the bar with your friends and spending money on drinks, you could invite your friends over, and everyone could split the drinks you would buy from the liquor store.</p>]]></description>
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         <pubDate>2023-11-14 22:40:11 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789865935</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-14 22:40:41 UTC</pubDate>
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         <title>Preparing To Live Alone!</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789866475</link>
         <description><![CDATA[<p>Another YouTuber, Jenna Hong, is a 26-year-old Korean American. Hong lives in the DMV area and loves journaling, exercising, eating delicious and healthy food, and expressing herself through fashion and make-up. Jenna's channel focuses on living a healthy and whole lifestyle, which is something she is constantly working on and finding ways to improve her lifestyle. The topic for this video's "hangout session" is what to do before living on your own. Hong breaks down this topic into three sections: logistics, budgeting, and personal. This video is perfect for those who are thinking of living on their own or for those preparing to live on their own.</p><p><br></p><p>I chose this video because I personally like how Hong sounds like an older sister just sharing her experience and advice while providing me with critical tips and information about what to do before moving out on your own. One tip I found to be the most useful is </p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p>]]></description>
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         <pubDate>2023-11-14 22:41:26 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789866811</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-14 22:42:01 UTC</pubDate>
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         <title>10 Realistic Ways To Cut The Cost Of living Alone</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789867430</link>
         <description><![CDATA[<p>Kate Kaden is a single mom who shares her advice and tips on frugal living, budgeting, and saving money. She calls these videos "frugal Fridays," where she guides her subscribers through ways they can become better at managing their money. She has also created a space that allows her subscribers to share their own thoughts, experiences, tips, and tricks on every video. In this video, Kate goes over ways to reduce the cost of living alone. From creating a fake budget for the life you want to accepting hand-me-downs, Kate shares and then interprets 10 realistic ways for you to be able to afford living on your own.</p><p>&nbsp;</p><p>The main reason why I chose this video was because of Kate's very first tip. This simple tip has already helped me become more financially organized! One tip I found to be very useful is the first tip Kate shared, which is to create a faux budget for the life that you want to have. Her reasoning for this tip is so that you can see how much money you will need for this new or changed lifestyle that you want.</p>]]></description>
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         <pubDate>2023-11-14 22:43:07 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789868010</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-14 22:43:32 UTC</pubDate>
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      <item>
         <title>Can&#39;t Afford To Move Out: 10 Amazing Solutions</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789868910</link>
         <description><![CDATA[<p>Chris Panteli, the writer of this article, went to the University of Liverpool and graduated with a degree in business economics. Panteli has an impressive background in finance, small business, start-ups, and side hustles. Panteli is the founder of LifeUpSwing, where they strive to provide their readers with the tools they need to be able to live a financially liberating life. They have been featured in well-known newsrooms such as The New York Times, Forbes, Care, and more. In this article, Panteli provides readers with solutions to being able to afford moving out on their own.</p><p>&nbsp;</p><p>I chose this article because of the frequently asked question section and find that there's a lot of information out there about becoming financially independent, but there's not many places for those with questions to get their answers. And with this article, at least some frequently asked questions are being answered and could help out a few people. One tip I found to be useful is to refinance your debt, meaning that you could shop around to find a loan that has lower interest.</p>]]></description>
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         <pubDate>2023-11-14 22:45:13 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789869114</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-14 22:45:35 UTC</pubDate>
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      <item>
         <title>How To Move Out Of Your Parents&#39; House And Not Go Completely Broke.</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789869768</link>
         <description><![CDATA[<p>In this article, Lesley Anne Scorige writes about how to move out of your parents’ house without going broke. Scorgie provides her readers with effective ways to get themselves financially organized and independent before they decide to take the big leap and move out. From getting your banking accounts organized to setting up an investment account for the long term, Scorige dives into how to move out of your parents’ house the right way.</p><p>&nbsp;</p><p>I chose this article because Lesley has a stellar background in finance. Scorgie is the founder of a financial educational company that specializes in money coaching for Canadians, called MeVest. She has branched out as a bestselling author, entrepreneur, educator, and so much more. One piece of information that I found useful was a tip Scoriege gave for those who are new to saving. She said, "Three percent of your pay check goes into your emergency fund, and another three percent goes into your bigger purchases account.</p>]]></description>
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         <pubDate>2023-11-14 22:46:39 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
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         <pubDate>2023-11-14 22:47:03 UTC</pubDate>
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         <title>How To Budget For Living On Your Own For The First Time</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789870477</link>
         <description><![CDATA[<p>&nbsp;This article is about how to budget for living on your own for the first time. This article goes over money-saving tips, common mistakes young adults make when moving into their first apartment, a checklist for you to answer before you move out, what to include in your first budget, and so much more!</p><p>&nbsp;</p><p>I chose this article because I like how it offers online budgeting and money-saving tools and apps, since a lot of young adults these days are utilizing their electronics to stay organized. A piece of information that stood out for me was what items to include when budgeting for the first time.</p>]]></description>
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         <pubDate>2023-11-14 22:47:41 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
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         <pubDate>2023-11-14 22:48:12 UTC</pubDate>
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         <title>A Complete Financial Guide To Moving Out For The First Time</title>
         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789871165</link>
         <description><![CDATA[<p>Alyssa is the owner of Mixed Up Money, a platform where she teaches others about the ins and outs of money. She shares with her readers how she went from having consumer debt and student loans to tripling her income, growing her family, buying her first home, and so much more. In this article, Alyssa steers her readers in the right direction, having a smooth transition from moving out of your parents and into your own.</p><p><br></p><p>I chose this article because, despite being short, Alyssa provides distinctive tips for those wanting to move on their own, and she has tons of insightful articles that relate to saving, budgeting, and becoming financially independent. A tip I found to be useful was to have “the talk” with your roommates. I feel as if this goes over a lot of people's heads. Alyssa mentions how you should be having a conversation about shared expenses and how you and your roommates want to handle said expenses.</p>]]></description>
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         <pubDate>2023-11-14 22:48:48 UTC</pubDate>
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         <pubDate>2023-11-14 22:49:25 UTC</pubDate>
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         <title>Can You Afford To Move Out?</title>
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         <description><![CDATA[<p>This image provides readers with a "can you afford to move out?" check list. As well as providing readers with five helpful tips for what to do before moving out. I chose this image because I like that they provided readers with a visual check list that is easy to read and straight-forward.</p>]]></description>
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         <pubDate>2023-11-14 22:50:17 UTC</pubDate>
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         <title></title>
         <author>8qt5s8p6x5_</author>
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         <pubDate>2023-11-14 22:50:54 UTC</pubDate>
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         <title>Starter Percentages For An Every Dollar Budget</title>
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         <description><![CDATA[<p>This image illustrates budgeting percentages for those who either don't know where to start or for those who want to improve their budgeting skills. I chose this image because I like how in-depth the graph is; it shows where every penny should go.</p>]]></description>
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         <pubDate>2023-11-14 22:51:47 UTC</pubDate>
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         <author>8qt5s8p6x5_</author>
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         <pubDate>2023-11-14 22:52:35 UTC</pubDate>
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         <author>8qt5s8p6x5_</author>
         <link>https://padlet.com/8qt5s8p6x5_/7kpb5lcopsmi3tt9/wish/2789873565</link>
         <description><![CDATA[<p>One thing I learned that surprised me the most is that if you are looking into paying off your debt, Chris Panteli recommends refinancing your debt. What he means by this is replacing your existing debt with another debt that has more favourable erms and conditions. This topic is relevant to me because moving out on my own is one of my long-term goals. I have been wanting to move out on my own for as long as I can remember. Doing this assignment has helped me gain knowledge on how to move out on my own, what to expect, how to save money, and how to properly budget. The most important thing I feel that I have learned and would pass on to anyone that would listen is to create a faux budget for the life that you want, so that you can see how much more money you need to make and where exactly your money is going.</p>]]></description>
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         <pubDate>2023-11-14 22:52:57 UTC</pubDate>
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