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      <title>Gastos Hormiga Gen Z by Roberta Romo García</title>
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      <pubDate>2025-03-24 22:46:05 UTC</pubDate>
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         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380228611</link>
         <description><![CDATA[<p>"No lo tenía planeado."</p>]]></description>
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         <pubDate>2025-03-24 22:52:26 UTC</pubDate>
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         <author>robertaromo</author>
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         <pubDate>2025-03-24 22:52:49 UTC</pubDate>
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         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380229109</link>
         <description><![CDATA[<p>&gt;&gt;¿Sabías que independientemente de su salario, <strong><em>una persona puede llegar a gastar entre 16 000 y 18 000 pesos anuales</em></strong> en antojitos y no darse cuenta.&gt;&gt;.</p>]]></description>
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         <pubDate>2025-03-24 22:53:17 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380229218</link>
         <description><![CDATA[<p>"No sé en qué se me fue el dinero."</p>]]></description>
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         <pubDate>2025-03-24 22:53:33 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380229399</link>
         <description><![CDATA[<p>Pequeños lujos diarios</p>]]></description>
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         <pubDate>2025-03-24 22:53:52 UTC</pubDate>
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      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380229626</link>
         <description><![CDATA[<p><strong><em>consumo cotidiano que tiene un valor bajo</em></strong></p>]]></description>
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         <pubDate>2025-03-24 22:54:17 UTC</pubDate>
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         <title></title>
         <author>robertaromo</author>
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         <description><![CDATA[<p>¿Qué puedes hacer para evitarlos? · <strong><em>Haz una lista de lo que realmente necesitas y planea tus compras</em></strong>. · Registra tus gastos diarios, ¡por más pequeños que sean!</p>]]></description>
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         <pubDate>2025-03-24 22:54:34 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380230068</link>
         <description><![CDATA[<p>Desembolsos de pequeña cuantía que haces de forma automática y casi inconscientemente</p>]]></description>
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         <pubDate>2025-03-24 22:55:05 UTC</pubDate>
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         <author>robertaromo</author>
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         <pubDate>2025-03-24 22:55:22 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380230521</link>
         <description><![CDATA[<p><strong>Desembolsos que realizas sin ser plenamente consciente de ellos o sin percibir un retorno tangible</strong></p>]]></description>
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         <pubDate>2025-03-24 22:55:53 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380231071</link>
         <description><![CDATA[<p>En México, pueden representar hasta un 15% del salario mensual.&nbsp;</p>]]></description>
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         <pubDate>2025-03-24 22:56:46 UTC</pubDate>
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         <title></title>
         <author>robertaromo</author>
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         <pubDate>2025-03-24 22:57:05 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380231315</link>
         <description><![CDATA[<p>Los gastos hormiga pueden provocar un descontrol en las finanzas. Por eso, es recomendable tener un registro de los ingresos y egresos.&nbsp;</p>]]></description>
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         <pubDate>2025-03-24 22:57:09 UTC</pubDate>
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         <title></title>
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         <pubDate>2025-03-24 22:57:15 UTC</pubDate>
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         <title></title>
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         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380231591</link>
         <description><![CDATA[<p><strong>Son recurrentes</strong>: su frecuencia de gasto determina el hueco en tu cartera y esa cantidad extra en tus finanzas que te impide ahorrar, abonar a tus deudas o cubrir determinados gastos</p>]]></description>
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         <pubDate>2025-03-24 22:57:48 UTC</pubDate>
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         <pubDate>2025-03-24 22:59:18 UTC</pubDate>
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         <pubDate>2025-03-24 23:02:03 UTC</pubDate>
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         <title></title>
         <author>robertaromo</author>
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         <pubDate>2025-03-24 23:02:13 UTC</pubDate>
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         <title></title>
         <author>camilamonroy7</author>
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         <pubDate>2025-03-24 23:03:09 UTC</pubDate>
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      <item>
         <title>¿Cuáles son los gastos hormiga más comunes? Café comprado diariamente en establecimientos. Snacks o golosinas entre comidas. </title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380235243</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:03:34 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380235285</link>
         <description><![CDATA[<p>Son tan cotidianos que muchas veces no percibimos el momento en que los hacemos, sin embargo, a la larga resultan un gasto considerable, por lo que representan un desajuste importante en nuestro presupuesto.</p>]]></description>
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         <pubDate>2025-03-24 23:03:38 UTC</pubDate>
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         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380235906</link>
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         <pubDate>2025-03-24 23:04:04 UTC</pubDate>
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      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380236115</link>
         <description><![CDATA[<p>INEGI, en México el 50% de la gente gasta en cosas que no tenían planeadas y los gastos hormiga pueden llegar a representar el 12% de sus ingresos.</p>]]></description>
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         <pubDate>2025-03-24 23:04:23 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380236330</link>
         <description><![CDATA[<p>Pasamos bastante tiempo en nuestro lugar de trabajo, por lo que es común que en este periodo hagamos algunas compras; muchas de ellas entran en la categoría de gastos hormiga</p>]]></description>
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         <pubDate>2025-03-24 23:04:42 UTC</pubDate>
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         <title></title>
         <author>samuelzajdman1</author>
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         <title></title>
         <author>robertaromo</author>
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         <author>robertaromo</author>
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         <pubDate>2025-03-24 23:05:36 UTC</pubDate>
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         <author>robertaromo</author>
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         <author>camilamonroy7</author>
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         <pubDate>2025-03-24 23:06:03 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237186</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237277</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:06:08 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237277</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237308</link>
         <description><![CDATA[<p>Al día estás gastando 152 pesos, al mes 4 mil 560 y al año 54 mil 720. Esos antojitos ya no suenan tan inofensivos, ¿verdad?</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:06:12 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237308</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237364</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:06:19 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237364</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237368</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:06:19 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237368</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237905</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:07:13 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380237905</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380238107</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:07:35 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380238107</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380238361</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:07:57 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380238361</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380239544</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1467868054/7e00f6ab02d67084ccca625128209958/image.png" />
         <pubDate>2025-03-24 23:09:38 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380239544</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380240278</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/1467868054/1bc4c6d41ab6612ae729e6409e868d1e/image.png" />
         <pubDate>2025-03-24 23:10:36 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380240278</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380240699</link>
         <description><![CDATA[<p><strong>Son todos aquellos que dependen de tu estilo de vida y no requieren que se hagan todos los meses</strong></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:11:13 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380240699</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380241079</link>
         <description><![CDATA[<p><strong>El dinero va y viene”</strong></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:11:52 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380241079</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380241856</link>
         <description><![CDATA[<p><strong>"Me lo merezco”</strong>. ¡No caigas en la trampa! Al decir esto, piensa que lo que realmente mereces es llegar al fin de mes con la tranquilidad de tener salud financiera sin la gran preocupación de haber generado deudas</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:13:01 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380241856</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380249612</link>
         <description><![CDATA[<p>Las rebajas y los comercios online son los aliados perfectos de los gastos hormiga.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:22:28 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380249612</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251143</link>
         <description><![CDATA[<p>impresionante lo mucho que gasta uno en gastos hormiga</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:24:42 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251143</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251408</link>
         <description><![CDATA[<p>Los encendedores son el verdadero gasto hormiga</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:25:04 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251408</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251999</link>
         <description><![CDATA[<p>"son gastos pequeños y cotidianos que no te das cuenta"</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:25:46 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380251999</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380252320</link>
         <description><![CDATA[<p>en q momento mis gastos hormiga son bebidas de 80 pesos???</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:26:05 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380252320</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380252931</link>
         <description><![CDATA[<p>son gastos que hago todos los dias y sin darme cuenta antes una bebida que me costaba 50 pesos ahora me cuesta 80</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:26:37 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380252931</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380253157</link>
         <description><![CDATA[<p>si yo dejo los gastos hormiga mi vida sería demasiado infeliz</p><p>Translate post</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:26:57 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380253157</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380253821</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:27:57 UTC</pubDate>
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         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380254133</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:28:21 UTC</pubDate>
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      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380254606</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:28:36 UTC</pubDate>
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      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380254759</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:28:44 UTC</pubDate>
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      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255316</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:29:06 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255316</guid>
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      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255498</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:29:18 UTC</pubDate>
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      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255602</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:29:22 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255602</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255747</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:29:30 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380255747</guid>
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      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256112</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:29:58 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256112</guid>
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      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256285</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:30:13 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256285</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256438</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:30:27 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256438</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256521</link>
         <description><![CDATA[<p>La disciplina y la planificación son dos requisitos esenciales para mantener tus finanzas personales saneadas y alcanzar tus objetivos financieros.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:30:34 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256521</guid>
      </item>
      <item>
         <title></title>
         <author>camilamonroy7</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256622</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:30:43 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256622</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256782</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:30:56 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256782</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256941</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:31:08 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256941</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256947</link>
         <description><![CDATA[<p><strong>Reducir la frecuencia con la que sales a comer fuera o a tomar algo con amigos te ayudará a controlar las fugas de dinero</strong>.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:31:09 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380256947</guid>
      </item>
      <item>
         <title></title>
         <author>robertaromo</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380257074</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-03-24 23:31:20 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380257074</guid>
      </item>
      <item>
         <title></title>
         <author>samuelzajdman1</author>
         <link>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380257230</link>
         <description><![CDATA[<p><strong>la mejor forma de ahorrar y evitar gastos superfluos es tener un propósito</strong>. De este modo no te resultará tan complicado renunciar a un pequeño capricho por un proyecto más interesante</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-24 23:31:29 UTC</pubDate>
         <guid>https://padlet.com/robertaromo/j6mz96q1wwlng1p0/wish/3380257230</guid>
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         <title>Los gastos hormiga son los desembolsos recurrentes y de poco monto que se hacen de forma casi inconsciente.</title>
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         <title>Verifica cuánto gastas. Realiza una prueba, lleva desde tu casa a donde vayas, una botella con agua; tu propio café o tu comida, verás cuánto ahorras.</title>
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