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      <title>1A financial management by CSD MSS</title>
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      <description>Post your response to the discussion topic by clicking the plus button below.</description>
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      <pubDate>2025-10-26 00:44:08 UTC</pubDate>
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         <title></title>
         <author>csd20</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3650537804</link>
         <description><![CDATA[<p>Answer the following questions and share your answer here.</p><p><br></p><p>1. If you suddenly get $2000 in pocket money right now, how would you spend it?</p><p><br></p><p>2. Have you ever tried saving money to buy something you like? What difficulties did you face?</p><p><br></p><p>3. When you see advertisements, do you ever want to buy something right away? Name ONE ad that made you feel this way.</p><p><br></p><p>4. Imagine your life in 10 years. What do you want to have or achieve? How much money might you need?</p>]]></description>
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         <pubDate>2025-10-26 00:45:58 UTC</pubDate>
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         <author>s25m08</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657726723</link>
         <description><![CDATA[<ol><li><p>I would save the money and only use it for necessities.</p></li><li><p>No.</p></li><li><p>No.</p></li><li><p>I want to live alone, $1 000 000.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:26:41 UTC</pubDate>
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         <author>s25v18</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657727801</link>
         <description><![CDATA[<ol><li><p>I’d ask my mom to help me invest a majority of the money and save the rest.</p></li><li><p>No.</p></li><li><p>An advertisement for the Switch 2.</p></li><li><p>The money to pay college fees( if I can get in a college :p). I’d need a lot of money but I don’t know how much.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:27:12 UTC</pubDate>
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         <author>s25j01</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657731832</link>
         <description><![CDATA[<ol><li><p>If i got $2000 suddenly i would buy boba every day!</p></li><li><p>Yes, i have i tried saving up for a nintendo switch with my sister, my dad said we had to pay half price and he would pay the other half, in the end we got the nintendo</p></li><li><p>None</p></li><li><p>Im gonna need money for college and im gonna start a business with a) a friend b) my sister and we are going to be rich 🤑</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:29:01 UTC</pubDate>
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         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657732304</link>
         <description><![CDATA[<p>𝙰𝚝𝚑𝚊𝚕𝚒𝚎 𝚕𝚊𝚒 𝟷𝙰 𝟷𝟶</p><p>𝙸 𝚠𝚘𝚞𝚕𝚍 𝚜𝚊𝚟𝚎 𝚒𝚝</p><p>𝙸 𝚍𝚒𝚍 𝚋𝚞𝚝 𝙸 𝚍𝚒𝚍𝚗𝚝 𝚏𝚊𝚌𝚎 𝚊𝚗𝚢 𝚍𝚒𝚏𝚏𝚒𝚌𝚞𝚕𝚝𝚒𝚎𝚜 </p><p>𝙸 𝚠𝚊𝚗𝚝𝚎𝚍 𝚝𝚘 𝚋𝚞𝚢 𝚍𝚛𝚒𝚗𝚔𝚜 𝚏𝚛𝚘𝚖 𝚊𝚍𝚜</p><p>𝙸 𝚠𝚊𝚗𝚝 𝚝𝚘 𝚋𝚎𝚌𝚘𝚖𝚎 𝚊 𝚕𝚊𝚠𝚢𝚎𝚛 𝚊𝚗𝚍 𝚕𝚒𝚟𝚎 𝚠𝚒𝚝𝚑 𝟷𝟶𝟶𝟶𝟶𝟶𝟶𝟶 𝚍𝚘𝚕𝚕𝚊𝚛𝚜 𝚙𝚎𝚛 𝚖𝚘𝚗𝚝𝚑 😎😎😎😎</p><p><br/></p><p><br/></p>]]></description>
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         <pubDate>2025-10-30 02:29:16 UTC</pubDate>
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         <title></title>
         <author>s25m37</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657733719</link>
         <description><![CDATA[<p>1. I would save half of it and then spend the rest on games</p><p>2. No</p><p>3. I usually don’t want to buy something when I see an ad but the ad for an Nintendo game actually made me buy it</p><p>4. I want to have a cat,YouTube and Spotify Premium,I will need about 1.8b because why not :)</p>]]></description>
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         <pubDate>2025-10-30 02:29:52 UTC</pubDate>
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         <author>s25v22</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657735107</link>
         <description><![CDATA[<p>Annie 1A (21)</p><p>1. I would save it.</p><p>2. No, I did not. I haven’t spent my saved money. I currently have about 200 dollars saved (I started saving at 10 years old.)</p><p>3. I saw an ad for a Nintendo Switch and was interested but didn’t have the money at the time.</p><p>4. I want to study in a university, earn a degree and move out. It might take a lot of money to afford a house because of inflation, so I may need to take some part-time jobs with decent salary to support myself.</p>]]></description>
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         <pubDate>2025-10-30 02:30:32 UTC</pubDate>
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         <author>s25u16</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657735672</link>
         <description><![CDATA[<ol><li><p>I would save it and buy something when I really want it.</p></li><li><p>Yes. It’s still not enough.</p></li><li><p>No, because I won’t have any money to buy it.</p></li><li><p>I want to be rich. $200000000 in my whole life😏</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:30:51 UTC</pubDate>
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         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657735768</link>
         <description><![CDATA[<p>Jodie Wong 1A30</p><ol><li><p>If I suddenly get $2000, I will save the money in my bank account.</p></li><li><p>Yes, sometimes I don’t have enough money for the product I want.</p></li><li><p>Yes, new Japanese snacks in Hong Kong 711</p></li><li><p>I want to have a decent job with a decent salary, I need $1000000000000000000000000000000000000000+.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:30:54 UTC</pubDate>
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         <title></title>
         <author>s25u18</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657737470</link>
         <description><![CDATA[<p>1A16 Laeta Lau</p><p>Q.1.answer：I would save all of them in my piggy bank（or whale-ly bank）</p><p>Q.2.answer：Yes.I have tried it once . The difficulty is that I didn‘t want to take those money out when I finally can buy it and end up not buying that thing.</p><p>Q.3.answer：no never</p><p>Q.4 answer：In the following 10 years,I might need a large amount of money （maybe all my pocket money）to attend university and need to buy textbooks.Just too much money to spend.</p>]]></description>
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         <pubDate>2025-10-30 02:31:48 UTC</pubDate>
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         <title></title>
         <author>s25v10</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657737782</link>
         <description><![CDATA[<p>1. I would save it up for future use and use it to buy clothes if I outgrow them or taobao</p><ol start="2"><li><p>Yes,I saved up to buy earbuds,it was hard to choose earbuds that secure themselves in my ears</p></li><li><p>Spotify premium</p></li><li><p>I want to achieve a stable life with stable income,where I can have everything that I need.I might need 5000000 or more :) </p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:31:58 UTC</pubDate>
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         <author>s25u20</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657738089</link>
         <description><![CDATA[<p>1. If I suddenly get $2000 in pocket money I would save it all the money so I could get something better</p><p><br/></p><p>2.I bought a switch with my own money, I don’t really have any difficulties because it wasn’t really super expensive.But my grandma paid $500.</p><p><br/></p><p><a rel="noopener noreferrer nofollow" href="http://3.NO">3. No,I haven’t.</a></p><p><br/></p><p>4.I don’t know I just wanna have food.</p><p><br/></p><p>1A19 Milla Lee</p>]]></description>
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         <pubDate>2025-10-30 02:32:07 UTC</pubDate>
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         <author>s25m18</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657738285</link>
         <description><![CDATA[<ol><li><p>I would put them in my bank account and use it when I feel like it. (I’ll probably spend them a week later on records 🥰 or maybe Spotify premium idk)</p></li><li><p>No, I just put my money in my bank account and spend them in shopping sprees.</p></li><li><p>It really depends if the product in the advertisement is good. If it’s something I’m interested in, I would buy it maybe in a week or two. I don’t see much ads that spark my interest so 😛.</p></li><li><p>I just want a decent life style because I can’t even live in the economy. So I just want enough money for me and my family. 🫠</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:32:13 UTC</pubDate>
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         <author>s25v15</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657739370</link>
         <description><![CDATA[<p>If I suddenly get $2000 in pocket money right now, I would get many rats 🐀</p><p>Nope</p><p>Food ads, they look so nice </p><p>I don’t know :D</p>]]></description>
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         <pubDate>2025-10-30 02:32:46 UTC</pubDate>
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         <author>s25u14</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657740348</link>
         <description><![CDATA[<p>1 I would buy a Shanghai f1 ticket (ard 1680)</p><p><br/></p><p>2Yes i do, i save up to gamble on pokemon cards-</p><p><br/></p><p>3 I never pay attention to advertisements…</p><p><br/></p><p>4 I would be homeless by the time im 18-</p>]]></description>
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         <pubDate>2025-10-30 02:33:13 UTC</pubDate>
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         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657740701</link>
         <description><![CDATA[<p>1.i would probably spend a little on anime stuff and save up the rest also I would probably use some to buy gifts for people </p><p><br/></p><p>2.yes</p><p><br/></p><ol start="3"><li><p>Yes I have and thee advertisement was the ado pop-up store in Hong Kong and two days later I immediately went there and bought a little too much also I see a lot of windbreaker and Naruto ads (anime products) on X (twitter)</p></li></ol><p><br/></p><p>4.i just need money to survive, take care of my parents and to have Netflix , Crunchyroll (the worlds biggest anime platform) ,Kmanga premium and other manga apps also enough to buy anime things </p>]]></description>
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         <pubDate>2025-10-30 02:33:25 UTC</pubDate>
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         <author>s25m05</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657740857</link>
         <description><![CDATA[<ol><li><p>I wouldn’t spend the money YET unless there’s a Murder Drones merch drop</p></li><li><p>Yes, but I manage to go fully bankrupt.</p></li><li><p>No. Because I couldn’t care less about advertisements (except Murder Drones merch promo vids)</p></li><li><p>I want to have maybe a therapist job and since I already did some calculations, being a therapist for a day pays about $18k but l’ll probably go bankrupt for some apparent reason.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:33:30 UTC</pubDate>
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         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741024</link>
         <description><![CDATA[<ol><li><p>I would buy a few books and save up the rest to use in the future</p></li><li><p>No I don’t have pocket money yet</p></li><li><p>Nope, most of the ads are useless</p></li><li><p>I want to adopt a cat so I’ll have to save up more than $75,000 </p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:33:34 UTC</pubDate>
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         <title></title>
         <author>s25j15</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741033</link>
         <description><![CDATA[<p>Alicia Mak 1A 9</p><ol><li><p>I would firstly tell my parents to put $500 in my bank account 😎. Secondly, I would look at the stock market and pick probably apple or tesla and use $1000 to buy stocks. Thirdly, with my last $500 I would go have fun 😛😛</p></li><li><p>Yes, I have. I wanted to save up and buy a Mother’s Day gift for my mom. So I saved up every weeks allowance and I did many chores. But at last, I bought her flowers 🌹 even though I wanted to buy her jellycat.</p></li><li><p>Once, I saw an ad that Liverpool came to HK so I immediately bought a ticket ⚽️🏟️</p></li><li><p>I see myself in university, studying more years to get my masters and become a lawyer in the future.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:33:34 UTC</pubDate>
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         <author>s25j06</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741096</link>
         <description><![CDATA[<ol><li><p>I would save $1900 for future necessities and spend the remaining $100 for TAOBAO SHOPPING SPREE 👽</p></li></ol><p><br/></p><ol start="2"><li><p>No, I haven’t tried saving up money for something I like. 🫤</p></li></ol><p><br/></p><ol start="3"><li><p>Yes, I am always tempted to buy Spotify premium because the ads are too annoying 😒</p></li></ol><p><br/></p><ol start="4"><li><p>I hope that I could have a stable job and income and BUY A FLUFFY DOG. I’m guessing that I might need $ 40,000 to continue to survive :)</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:33:36 UTC</pubDate>
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         <author>s25u23</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741139</link>
         <description><![CDATA[<ol><li><p>If I suddenly got $2000 pocket money, I absolutely would not spend the money right away. It is because money is valuable. I would spend money on the necessary living items.</p></li><li><p>I have tried saving money at home, and now I have $1000 saved in my piggy bank.</p></li><li><p>If I see advertisements, I absolutely would not want to buy something, except when I am scrolling on Taobao.</p></li><li><p>Imagine my life for 10 years, I would like to achieve my very important goals. First, such as work and rent an apartment. Second, I would buy the necessary living items that I need every day. Third, I would buy the things I want (if they are cheap)</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:33:38 UTC</pubDate>
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         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741299</link>
         <description><![CDATA[<p>Harriet Yiu 1A (33)</p><p>If I had $2000, I would put 50% of it in the bank to increase interest and I would invest 15% of it into stocks and put 10% towards the poor people, homeless animals, and 10% towards my college fund and spend the 5% left.</p><p><br/></p><p>No</p><p><br/></p><p>An advertisement for lemon tea</p><p><br/></p><p>I will probably profit a few thousand dollars and put it towards a house, car and a few more dogs and save the rest</p>]]></description>
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         <pubDate>2025-10-30 02:33:43 UTC</pubDate>
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         <author>s25j34</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657741936</link>
         <description><![CDATA[<p><br></p><p>1) Spend $1000 on something I like  and then save the rest </p><p><br></p><p>2) Yes</p><p><br></p><p>3) Not really, nothing </p><p><br></p><p>4) I want a nice life in the future and have 999999999999999 dollars</p><p><br></p><p><br></p>]]></description>
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         <pubDate>2025-10-30 02:34:03 UTC</pubDate>
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         <author>s25v17</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657742207</link>
         <description><![CDATA[<p>1A 13 Emmi Lam</p><p><br/></p><ol><li><p>If i suddenly get $2000 in pocket money right now, i would donate some money to the charity and continue saving it to buy something i like in the future👍🏻</p></li><li><p>I’ve tried saving money to buy electric guitar but it’s too expensive for the whole set up (around 3k-4k).</p></li><li><p>That one ad about spatoon 3 (nintendo switch games muhehe). I only got spatoon 2, that’s why it’s tempting to buy it.</p></li><li><p>My life in 10 years will be living in streets, inside the trash can with my friend:D I actually need money to buy my manga, spottiiffyyy premium and my ARTTT SUPPLIESSS, AND ELECTRIC GUITARRRRRRSSSS.</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:34:12 UTC</pubDate>
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         <author>s25u19</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657744304</link>
         <description><![CDATA[<ol><li><p>i would save 1800 dollars and spend 200 dollars on food</p></li><li><p>yes i did my sister and i saved up for an ice cream machine and when we saved up $6000 my mother paid for the rest and we lived happily ever after </p></li><li><p>i saw roblox premium and i immediately bought it :))</p></li><li><p>i would like to me a financial manager/lawyer or a successful ceo and have at least $1000000000 in my savings account and when i die i will give 60% of my assets to my family and 40% to my bsf</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:35:16 UTC</pubDate>
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         <author>s25j31</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657744984</link>
         <description><![CDATA[<p>1A27 Hazel Wong</p><p>1. I would keep $1000 in my piggy bank, keep $500 in my wallet and keep the rest for birthday presents or something.</p><p>2. Nope</p><p>3. A 10 thousand piece Lego set of the Eiffel Tower.</p><p>4. I want to have a decent paying job that I enjoy doing. I would maybe want $50000 because I want a cat.</p>]]></description>
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         <pubDate>2025-10-30 02:35:36 UTC</pubDate>
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         <author>s25m26</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657747643</link>
         <description><![CDATA[<p>1) If I suddenly get $2000 in pocket money right now, how would you spend it?</p><p>-Use the 3S method</p><p>-Spend $700</p><p>-Save $1000</p><p>-Share (aka donate) $300</p><p><br/></p><p>2) Have you ever tried saving money to buy something you like? What difficulties did you face?</p><p>-Yes</p><p>-It took me very long to get enough money</p><p><br/></p><p>3) When you see advertisements ,do you ever want to buy something right away. Name ONE ad that made you feel this way.</p><p>-Yes</p><p>-Skincare</p><p><br/></p><p>4) Imagine your life in 10 years. What do you want to have or achieve? How much money might you need?</p><p>-In 10 years, I want to be working a job so I earn more money (+$$$)</p><p>-In 10 years, I want to have a pet, because it can be my companion when I’m lonely (-$$$$$$$$$)</p><p>-In 10 years, I would also probably be also wasting my money on music scores, music equipment (-$$$$$$$$$$$$$$$$$)</p>]]></description>
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         <pubDate>2025-10-30 02:36:50 UTC</pubDate>
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         <title></title>
         <author>s25v21</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657748907</link>
         <description><![CDATA[<p><br/></p><ol><li><p>If I actually got that much money, I would save it and buy stuff from taobao with a bit of money, unless I got carried away🙂. Unlike someone 😒. And I’m gonna use the money on food, cuz I’m always hungry. 🫠</p></li><li><p>Ya I tried saving money to buy a whole bunch of photo cards, the cards kinda costs a lot but I don’t care 🤓</p></li><li><p>All the silly ads I see are from Tao bao, and I’m gonna use my money on that.</p></li><li><p>I wanna become a scientist of something, i love scinece and I want to burn the whole lab and get me suen mad. 😏 I don’t think I need anymore money to burn the lab silly. 🙃</p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:37:31 UTC</pubDate>
         <guid>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657748907</guid>
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         <title></title>
         <author>s25v06</author>
         <link>https://padlet.com/msselearning2/b6fvyhff08jqz5r/wish/3657759376</link>
         <description><![CDATA[<ol><li><p>If I suddenly got $2000 dollars in pocket money, I could save half of it in my bank account (to accumulate interest), donate 30% of the remaining value to charity, give 20% to help my family, and put away the remaining $500 for my personal usages (drinks, transportation…)</p></li><li><p>I haven’t really had to save up for anything, because my parents don’t deem me financially responsible enough to manage my own spendings. ¯\_(ツ)_/¯</p></li><li><p>Yes, I am a long-suffering victim of direct advertisement. I once saw an advertisement on Instagram for Rick Riordan’s new novel and immediately went to a bookstore the next weekend to buy it… that was very impulsive.</p></li><li><p>I want to become a screenwriter and produce scripts for movies or films, or maybe a storyboard artist for a cartoon (because they’re creative careers and that’s what will make me happy). For that, I’ll need to have a university degree (for which I need varying amounts of money depending on where I’ll study at), some money to start out (because I’ve heard that the screenwriting industry is is very competitive)</p></li><li><p>I’d say around $47000 for university and $25000 per month for my daily necessities? ¯\_(ツ)_/¯ </p></li></ol>]]></description>
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         <pubDate>2025-10-30 02:42:43 UTC</pubDate>
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