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      <title>1. What was the most surprising or unexpected idea in the video, and how has that changed the way you think about the topic?                 2. How can using a credit card wisely benefit someone’s financial future, and what habits might help prevent debt? by Amanda Tollefson</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>2025-09-11 14:52:45 UTC</pubDate>
      <lastBuildDate>2025-09-15 18:58:07 UTC</lastBuildDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580578918</link>
         <description><![CDATA[<p>1 The most surprising thing is that you can borrow money.  </p><p><br/></p><p>2 useing a credit card is good for your credit score and it builds trust </p>]]></description>
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         <pubDate>2025-09-11 16:41:11 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580579797</link>
         <description><![CDATA[<p>Using a credit card wisely can build good credit which helps buy big things later like, a car or a house. And to avoid debt you pay on time and don't spend more than you can't afford to pay back each month.</p>]]></description>
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         <pubDate>2025-09-11 16:41:55 UTC</pubDate>
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         <author>sadebarlo6509</author>
         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580579818</link>
         <description><![CDATA[<ol><li><p>the most surprising idea in the video is that if we don't pay our monthly credit card it will just add up more. </p></li><li><p>how it using your credit card wisely can benefit someones future finance is by if they pay there monthly credit card they can have good credits. and if you have good credit you have more benifits with other things </p></li></ol>]]></description>
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         <pubDate>2025-09-11 16:41:56 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580582514</link>
         <description><![CDATA[<p>I already knew most of what was said in the video. Having credit card debt can be very stressful so preventing it is essential  </p>]]></description>
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         <pubDate>2025-09-11 16:44:16 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580583941</link>
         <description><![CDATA[<p>1. The most surprising thing was learning that credit cards can give you rewards, like cash back or points, just for using them on normal purchases. And they can actually benefit you if you’re smart about it.</p><p>2. Rewards can really help your financial future because they save you money over time, but you also have to be responsible. That means paying off the full balance each month, not spending more than you can afford, and making payments on time so you don’t get stuck in debt.</p>]]></description>
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         <pubDate>2025-09-11 16:45:27 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580589684</link>
         <description><![CDATA[<ol><li><p>I think its suprising how beneficial credit cards can be because it can give u rewards which I think is really nice and convinent </p></li><li><p>I also like how you can get money off of traveling and trips, I love traveling so when I am older I think im going to get a credit card</p></li></ol>]]></description>
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         <pubDate>2025-09-11 16:50:18 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580847087</link>
         <description><![CDATA[<p>I didn't know we could get gifts from a credit card, so that's good to know.</p><p><br/></p><p>It benefits you because you get loans and gifts</p>]]></description>
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         <pubDate>2025-09-11 20:55:49 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580847538</link>
         <description><![CDATA[<p>I thought the most suprising thing was how your credit cards can give you rewards. I think if you are smart with your spendings everything will be okay.</p>]]></description>
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         <pubDate>2025-09-11 20:56:12 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580847600</link>
         <description><![CDATA[<p>I knew about the pros for the credit cards but it is very cool how you can get rewarded for it. </p><p><br/></p><p>yes using a card can  benefit you if you are paying your payments on time and don't go into debt and a method I know bout debt is you save 33 precent spend 33 prefcent on necessary items and 333 precent for fun </p>]]></description>
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         <pubDate>2025-09-11 20:56:13 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580847937</link>
         <description><![CDATA[<p>That it gets the interest percentage from your current balance, including the interest from yesterday and that tells me to never get into credit card de</p><p><br/></p><p>2 don't spend more than you have to prevent debt and spend a responsible amount to make a good credit history</p>]]></description>
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         <pubDate>2025-09-11 20:56:43 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580847945</link>
         <description><![CDATA[<p>I was really surprised to learn that credit cards can give you rewards like cash back or points just for using them on everyday stuff. I always thought they were just for borrowing money, but they can actually help you if you use them the right way.</p><p><br/></p><p>Rewards can save you money over time, which is great for your future. But you have to be responsible like paying off the full balance every month, not spending more than you can afford, and always paying on time. If you use credit cards smartly, they can actually be a good thing.</p>]]></description>
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         <pubDate>2025-09-11 20:56:43 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580848439</link>
         <description><![CDATA[<p>they are good they can help you with payments and when used responsibly you can build a good credit and get benifets </p>]]></description>
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         <pubDate>2025-09-11 20:57:30 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580848718</link>
         <description><![CDATA[<p>An interesting idea from the video was only spending 30%of your income on the credit card. Using a credit card  wisely can benefits someones future by not having a debt to pay.</p><p><br/></p>]]></description>
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         <pubDate>2025-09-11 20:57:59 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3580848952</link>
         <description><![CDATA[<p>To make brownies, start by preheating your oven to 350°F (175°C) and greasing a baking pan. In a large bowl, melt 1/2 cup of butter, then stir in 1 cup of sugar, 2 eggs, and 1 teaspoon of vanilla extract. In a separate bowl, mix 1/3 cup of unsweetened cocoa powder, 1/2 cup of all-purpose flour, 1/4 teaspoon of salt, and 1/4 teaspoon of baking powder. Combine the dry ingredients with the wet ingredients and mix until smooth.</p><p>Once the batter is ready, pour it evenly into the prepared pan. Bake for about 20 to 25 minutes or until a toothpick inserted in the center comes out with only a few moist crumbs. Let the brownies cool in the pan before cutting them into squares. You can also add extras like chocolate chips or chopped nuts to the batter before baking for added texture and flavor.</p>]]></description>
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         <pubDate>2025-09-11 20:58:19 UTC</pubDate>
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         <description><![CDATA[<p>Phoenix</p><ol><li><p>What surprised me in the beginning was that every single purchase you make, adds up at the end of the month. You will have to pay that bill and if you don’t interest will be added everyday rather than slowly. Which can easily make you fall into credit card debt.</p></li><li><p>Something smart for someone to do that will help them in the future is getting a credit card to get miles for flights. </p></li></ol>]]></description>
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         <pubDate>2025-09-11 20:58:43 UTC</pubDate>
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         <pubDate>2025-09-11 20:58:56 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3581079823</link>
         <description><![CDATA[<ol><li><p>The most surprising thing about the video is the fact that you have to borrow money in order to borrow money.  2. using a credit card can help you in many way in the future from starting a business to paying bills. and just pay bills.</p></li></ol>]]></description>
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         <pubDate>2025-09-12 01:07:17 UTC</pubDate>
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         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3582208159</link>
         <description><![CDATA[<ol><li><p>Honestly, I didn’t realize how fast credit card debt can pile up just from everyday stuff. It made me think twice about swiping without keeping track.</p></li><li><p>If you use a credit card smartly, it can actually help build your credit and open doors later like getting a car or renting a place. Just gotta stay on top of payments and not spend more than you can pay back.</p></li></ol>]]></description>
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         <pubDate>2025-09-12 14:23:37 UTC</pubDate>
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         <author>alexipolan3209</author>
         <link>https://padlet.com/lvusd/erm8e4cw6b8twyew/wish/3586058597</link>
         <description><![CDATA[<ol><li><p>It's crazy how fast debt will build up, and that it's really bad to keep </p></li><li><p>But if you use it smartly, you can build your credit and make a good impression on yourself </p></li></ol>]]></description>
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         <pubDate>2025-09-15 18:58:05 UTC</pubDate>
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