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      <title>Money Management Problem by </title>
      <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk</link>
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      <language>en-us</language>
      <pubDate>2025-02-20 12:31:00 UTC</pubDate>
      <lastBuildDate>2025-04-24 11:50:18 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Azizah Nur Fitriyani </title>
         <author>azizahnurftryni_</author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335932462</link>
         <description><![CDATA[<p>People nowadays have too much money management problem. One of the problem is they don't know how to earn money by themselves. Actually there are many creative ways to solve the problem.</p><p>First, try to get a part time job. It is can help them to earn more money beside their salary. For example, they can try to babysitting their neighbor's baby. </p><p>Second, try to save the allowance. Do not spending the allowance once they get. They can save the allowance in a piggy bank for a rainy day. </p>]]></description>
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         <pubDate>2025-02-20 12:54:37 UTC</pubDate>
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         <title>Stephanie Aurel</title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335936117</link>
         <description><![CDATA[<p>Many people not knowing how to earn money on their own and they can't find ways to solve the problem, but there are ways that they don't know. </p><p>The first way is you can try start a small business, why Start a Small Business can make us knowing how to earn money on their own? because starting a small business allows young people to earn money on their own terms without needing a traditional job. and How to do it? you can start pick a business idea that requires little investment, like reselling clothes, handmade crafts and maybe you can sell snacks like cakes, cookies or something else. </p><p>Besides that, there's another way too. The second ways is Freelancer, why Freelancer can help us? because many freelance jobs do not require high experience, so they are suitable for beginners who want to start being financially independent and how to do it? you can start by choosing a job that suits your interests, such as writing articles, managing social media, or becoming an online shop admin.</p><p>Maybe this doesn't really get a lot of money but it can help us to earn money on their own.</p>]]></description>
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         <pubDate>2025-02-20 12:56:40 UTC</pubDate>
         <guid>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335936117</guid>
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         <title>Queensha Octabrianty Maheswari </title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335937072</link>
         <description><![CDATA[<p>Everyone who has problems due to excessive shopping online can find a way to solve the problem. One way is to try budgeting. Budgeting is great for someone who can't manage their personal money. For example, Set your budget according to your needs or buy only what you need. Buy something you need according to your budget. Buying something we need according to our budget can teach us not to be influenced by something we don't need. Your can make a list of things your want to buy according to their needs and according to their budget</p>]]></description>
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         <pubDate>2025-02-20 12:57:15 UTC</pubDate>
         <guid>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335937072</guid>
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         <title>Muhammad Aqil Athallah</title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335937443</link>
         <description><![CDATA[<p>Spending too much money on eating out and going to movies can be a problem for many people. One way to solve this issue is by cooking at home instead of eating out. This is a good solution because it saves money and allows for healthier food choices. To do this, individuals can plan their meals in advance, buy groceries wisely, and learn simple recipes. Another way to reduce expenses is by finding free or low-cost entertainment. Instead of going to the movies, people can watch DVDs at home, visit parks, or attend free community events. This helps them enjoy leisure time without spending too much money. By making these small changes, individuals can manage their finances better while still enjoying good food and entertainment.</p>]]></description>
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         <pubDate>2025-02-20 12:57:35 UTC</pubDate>
         <guid>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335937443</guid>
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      <item>
         <title>Faishal Zaki </title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335938389</link>
         <description><![CDATA[<p>Spending too much money on shopping online can be a serious problem, but there are ways to control it. First,One effective way is to set a strict budget for online shopping. By creating a monthly spending limit and tracking purchases using a budgeting app, people can avoid overspending and stay financially responsible. Second, Another useful strategy is to use a wish list and wait before buying. Instead of purchasing items impulsively, adding them to a wish list and waiting a few days allows time to reconsider whether the item is truly necessary. This helps reduce unnecessary expenses and prevents regretful purchases. By following these methods, people can develop better spending habits and make more mindful financial decisions.</p>]]></description>
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         <pubDate>2025-02-20 12:58:05 UTC</pubDate>
         <guid>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335938389</guid>
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         <title>GIESHA AS SYIFA A.P</title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335941382</link>
         <description><![CDATA[<p><br/></p><p>Online shopping is convenient but can lead to overspending due to impulse buying, easy access to payment methods, and tempting deals. This habit often results in financial strain, debt, and a lack of savings. Managing online shopping expenses is essential for maintaining a balanced budget and financial stability. First, Setting a monthly budget helps you control your spending by establishing a clear limit for how much you can spend on non-essential items. This ensures you don't overspend and helps prioritize savings. To manage your online shopping spending, start by calculating your income and expenses to determine a realistic amount you can allocate for shopping each month. Use a budgeting app or spreadsheet to track your spending and ensure you stay within your set limit. Regularly review your budget and adjust it as needed to avoid exceeding the amount you've planned for online shopping. This approach helps maintain control over your finances and prevents unnecessary overspending. Second, A waiting period helps reduce impulse buying by giving you time to think about whether you really need the item, preventing quick, emotional purchases.<sub> </sub>Before making any online purchase, you can pause for 24-48 hours to give yourself time to evaluate whether the item is truly necessary or just an impulse buy. During this waiting period, reflect on whether the item aligns with your needs or if it's a temporary desire. If, after the waiting period, you still feel it's essential, go ahead and make the purchase; otherwise, let it go and save your money for something more important. This approach helps reduce impulsive spending and promotes mindful purchasing.</p><p><br/></p><p><br/></p>]]></description>
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         <pubDate>2025-02-20 12:59:17 UTC</pubDate>
         <guid>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335941382</guid>
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      <item>
         <title>Khansa Adriana Aqila </title>
         <author></author>
         <link>https://padlet.com/mscindyliakarawang/9vgsy9kc8a4f19jk/wish/3335942717</link>
         <description><![CDATA[<p>Spending too much money on eating out and going to movies </p><p><br/></p><p>    Nowadays people spending too much on shopping online, here are ways to solve the problem. One way is use a whishlist Instead of Buying Immediately is good because breaks the habit loop. For example Add items to a wishlist and review them after a week. And maybe they can try Track they purchases, is good because can teach people can arrange money they can keep a log of every purchase to make yourself more aware of your spending habits.</p>]]></description>
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         <pubDate>2025-02-20 12:59:47 UTC</pubDate>
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