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      <title>9D - MANAGEMENT KEUANGAN SESUAI UMP JAKARTA by Fabiola Mia Pramudita</title>
      <link>https://padlet.com/fabiolapramudita1/moneymanagement9D</link>
      <description>UMK Jakarta adalah Rp. 5.396.761,- Buatlah daftar money management pribadimu dengan kondisi tidak lagi tinggal bersama dengan orang tua!</description>
      <language>en-us</language>
      <pubDate>2025-10-21 06:17:52 UTC</pubDate>
      <lastBuildDate>2025-10-26 08:20:29 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <url></url>
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      <item>
         <title>Marcio Gerrald Justin Then 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646979621</link>
         <description><![CDATA[<ol><li><p>MAKAN 1JT</p></li><li><p>KOS 2JT</p></li><li><p>NABUNG 500 RB</p></li><li><p>AIR / LISTRIK 1JT</p></li><li><p>INVESTASI 896 RB</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:31:23 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646979621</guid>
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      <item>
         <title>Celcius</title>
         <author>celciusadjistan</author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646980149</link>
         <description><![CDATA[<p>kalau saya punya UMK saya sebagai 5.396.761, saya akan menabung sekitar 30% (kalau bisa lebih) dan spend the rest untuk kebutuhan penting (dan mungkin sedikit tidak penting)</p><p>ini kalau kita bilang kos sekitar 1 jt, jadinya sisa 4 jutaan untuk makanan, air, keperluannya itu.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:31:44 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646980149</guid>
      </item>
      <item>
         <title>Frances B 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646980975</link>
         <description><![CDATA[<ol><li><p>makan 1 jt</p></li><li><p>Kos 3 jt</p></li><li><p>jajan 500 rb</p></li><li><p>air/listrik 1 jt</p></li><li><p>investasi 1 jt</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:32:17 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646980975</guid>
      </item>
      <item>
         <title>Marvell 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646983791</link>
         <description><![CDATA[<ol><li><p>makan 1 jt</p></li><li><p>kos 3jt</p></li><li><p>jajan 250 rb</p></li><li><p>air/listrik 1 jt</p></li><li><p>investasi 1jt</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:34:03 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646983791</guid>
      </item>
      <item>
         <title>Digo</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646983814</link>
         <description><![CDATA[<p>gaji 200m/bln</p><ol><li><p>kos 2jt</p></li><li><p>jajan 1jt</p></li><li><p>air/listrik 1jt</p></li><li><p>investsi 100m</p></li><li><p>makan 2jt</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:34:04 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646983814</guid>
      </item>
      <item>
         <title>lionel marverio 9d</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646984174</link>
         <description><![CDATA[<p>makan 500rb</p><p>kos 1.5jt</p><p>kebutuhan 1jt</p><p>tabung 500rb</p><p>500rb makan keluar dan jajan</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:34:15 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646984174</guid>
      </item>
      <item>
         <title>Angelline</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646985643</link>
         <description><![CDATA[<p>makanan : 1.5jt</p><p>listrik n air : 1 jt</p><p>obat : 200rb</p><p>biaya sekolah : 1jt</p><p>pulsa : 500rb</p><p>kos : 1.3jt</p><p>simpan : 896rb</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:34:43 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646985643</guid>
      </item>
      <item>
         <title>Warren Edinson Mak 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646986031</link>
         <description><![CDATA[<p>Peralatan Kamar Mandi (Sabun, Shampoo, etc.): 65.000</p><p>Baju: 200.000</p><p>Listrik: 300.000</p><p>Makanan: 900.000-1.400.000</p><p>Tempat Tinggal: 2.000.000</p><p>Mobile Data: 100.000</p><p>Air: 250.000</p><p>Jajan (Snack, Mainan, etc.): 500.000</p><p>Sisanya (untuk menabung/investasi): sekitar 500.000</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:35:01 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646986031</guid>
      </item>
      <item>
         <title>Fievel/9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646991684</link>
         <description><![CDATA[<p>Gaji: 5.396.761</p><p><br/></p><ol><li><p>Sewa Kos: 2 juta</p></li><li><p>Makanan: 1 juta</p></li><li><p>Air dan Listrik: 600 ribu</p></li><li><p>Pulsa: 50 ribu</p></li><li><p>Keinginan Pribadi: 500 ribu</p></li><li><p>Transportasi: 150 ribu(TRANS)</p></li><li><p>Investasi dan Tabungan: 700 ribu</p></li></ol><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:38:47 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646991684</guid>
      </item>
      <item>
         <title>Devano Austin Lie 9D</title>
         <author>devanolie</author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646993153</link>
         <description><![CDATA[<p>Kos:2 jt</p><p>Makanan: 1 jt</p><p>Air &amp; listrik: 1 jt</p><p>Tabungan: 626 rb</p><p>Kebutuhan lain: 773 rb</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:39:51 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646993153</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646994019</link>
         <description><![CDATA[<ol><li><p>Kost (2 juta/bulan)</p></li><li><p>Makan (3 juta/bulan)</p></li><li><p>Tabungan (5 juta)</p></li><li><p>Kendaraan bensin (1 juta/bulan)</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 07:40:21 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3646994019</guid>
      </item>
      <item>
         <title>Money management </title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647050722</link>
         <description><![CDATA[<ol><li><p>kos: 1.8 jt</p></li><li><p>makanan &amp; minuman: 1 jt</p></li><li><p>kebutuhan pribadi: 1 jt</p></li><li><p>air &amp; listrik: 800 rb</p></li><li><p>pulsa: 100 rb</p></li><li><p>invest &amp; nabung: 700 rb</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 08:24:58 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647050722</guid>
      </item>
      <item>
         <title>Yoana 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647343506</link>
         <description><![CDATA[<p>Gaji : Rp. 5.396.761</p><ol><li><p>Sewa kos : 1,7 jt</p></li><li><p>Makanan 1,5 jt </p></li><li><p>Listrik + Air : 700 rb</p></li><li><p>Pulsa : 50 rb</p></li><li><p>Transportasi : 650 rb</p></li><li><p>Asuransi : 300 rb</p></li><li><p>Keinginan + tabungan / investasi untuk masa depan : 556 rb</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 12:26:27 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647343506</guid>
      </item>
      <item>
         <title>Maximillian 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647371907</link>
         <description><![CDATA[<p>Gaji : Rp 5.396.761</p><ol><li><p>Makan 1 jt</p></li><li><p>Kos 2 jt </p></li><li><p>Air/Listrik 1jt</p></li><li><p>Nabung 550 rb</p></li><li><p>Investasi 846 rb</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 12:45:49 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647371907</guid>
      </item>
      <item>
         <title>Claire 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647433788</link>
         <description><![CDATA[<p>Kos : 1.5 Juta</p><p>Makanan &amp; Minuman : 1.5 Juta</p><p>Pulsa : 50 ribu</p><p>Transportasi : 800 ribu</p><p>Vitamin : 80 ribu</p><p>Hiburan : 200 ribu</p><p>Listrik &amp; Air : 200 ribu</p><p>Kebutuhan lain: 500 ribu</p><p>Tabungan : 566.761 ribu</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 13:23:11 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647433788</guid>
      </item>
      <item>
         <title>Sherissa 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647691543</link>
         <description><![CDATA[<p>Gaji: 5.396.761</p><ol><li><p>Sewa Kos: 2 juta</p></li><li><p>Makanan: 1,1 juta</p></li><li><p>Air &amp; Listrik: 600 ribu</p></li><li><p>Pulsa: 100 ribu</p></li><li><p>Transportasi: 250 ribu</p></li><li><p>Kebutuhan pribadi dan hiburan: 600 ribu</p></li><li><p>Tabungan &amp; Investasi: 746 ribu</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 15:46:17 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3647691543</guid>
      </item>
      <item>
         <title>Giselle 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3648561957</link>
         <description><![CDATA[<p>gaji : 5.396.761</p><p>sewa kos = 1.5jt</p><p>listrik &amp; air = 800rb</p><p>pulsa = 100rb</p><p>makan = 1.2jt</p><p>tabung = 400rb</p><p>kebutuhan privadi = 1jt</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-24 03:53:32 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3648561957</guid>
      </item>
      <item>
         <title>Charlene 9D</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3650706666</link>
         <description><![CDATA[<p>- Kos : 1.5 jt</p><p>- Makanan : 1.2 jt </p><p>- Listrik &amp; Air : 500 ribu</p><p>- Transportasi : 400 ribu </p><p>- Dana Darurat : 600 ribu </p><p>- Pulsa : 100 ribu </p><p>- Tabungan : Rp 1,096,761</p><p><br/></p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-26 08:14:59 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9D/wish/3650706666</guid>
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