My grand padlet by Vivian Roberts

vmroberts06 — 2025-09-25 17:12:42 UTC

“It is essential that individuals have an awareness of budgetary processes and possess the analytical capacity to understand and critically evaluate budget policies so that citizens can effectively participate in budgeting processes” (Güngör Göksu et al. 9).

“A budget is a guide that keeps you on the path to reach your financial goals. Budgeting keeps your finances under control, shows when you need to adjust your spending, and helps you decide where your money goes instead of wondering where it all went” (College Financing Information for Teens, p. 101).

vmroberts06 — 2025-09-25 17:12:58 UTC

vmroberts06 — 2025-09-25 17:13:35 UTC

“Financial beliefs and knowledge, attitudes, self-efficacy and control, and social support from parents and peers were generally associated with ‘better’ money management practices” (Cappelli, Banks, and Gardner 5).

vmroberts06 — 2025-09-25 17:14:58 UTC

“Students often lack knowledge and experience in managing thier money... and tend to make relatively poor financial decisions” (Cappelli, Banks, and Gardner 5).

“The results indicate that individuals with a greater degree of financial literacy are more prone to achieving superior financial well-being" (Bai 7).

vmroberts06 — 2025-09-25 17:16:10 UTC

“It's okay to say no. If you can’t afford it, you can't afford it. Your budget is your boundary” (Tu 178).

vmroberts06 — 2025-09-25 17:16:56 UTC

connection explanation

vmroberts06 — 2025-09-25 17:21:40 UTC

Both quotes prove the idea of people who are exposed to better financial literacy will achieve a higher success in money management practices.

connection explanation

vmroberts06 — 2025-09-25 17:28:50 UTC

Both of these quotes explore the idea of budgeting as a tool that keeps you disciplined and aware of your money boundaries that prevents you from losing it all.

connection explanation

vmroberts06 — 2025-09-25 17:32:24 UTC

Both of these quotes reveal the realities of college students who make poor financial decisions without even realizing it.