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      <title>What cultural or family influences have shaped your personal saving habits, and how do they affect your financial decisions today? by Nor Alisa</title>
      <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj</link>
      <description>Post your response to the discussion topic by clicking the plus button below.</description>
      <language>en-us</language>
      <pubDate>2025-07-16 06:12:04 UTC</pubDate>
      <lastBuildDate>2025-07-16 06:32:12 UTC</lastBuildDate>
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         <author>alisafathin12</author>
         <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521008290</link>
         <description><![CDATA[In my Muslim household, the principle of avoiding riba (interest) has shaped my approach to savings. I actively seek Islamic banking options and prioritize halal investments, even if conventional options might offer higher returns.]]></description>
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         <pubDate>2025-07-16 06:24:42 UTC</pubDate>
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         <author>alisafathin12</author>
         <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521012547</link>
         <description><![CDATA[<p>Parents saya jarang menerapkan konsep menabung sejak dari kecil lagi. Bila dapat duit raya, saya terus membeli mainan yang saya nak. "Beli je apa yang buat awk suka", ayat ni yang mak saya always suka, as long dia nampak saya happy dia pon happy</p>]]></description>
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         <pubDate>2025-07-16 06:29:05 UTC</pubDate>
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         <title></title>
         <author>alisafathin12</author>
         <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521014239</link>
         <description><![CDATA[<p>Saya dibesarkan dalam keluarga yang berjimat. Mak selalu pesan, “simpan sikit untuk masa depan.” Jadi sampai sekarang, saya memang akan asingkan sedikit duit bila dapat elaun atau gaji.</p><p><br/></p>]]></description>
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         <pubDate>2025-07-16 06:30:48 UTC</pubDate>
         <guid>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521014239</guid>
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         <title></title>
         <author>alisafathin12</author>
         <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521014693</link>
         <description><![CDATA[<p>Budaya keluarga saya utamakan keperluan, bukan kehendak. Benda mahal tak penting, yang penting cukup makan dan ada simpanan.</p>]]></description>
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         <pubDate>2025-07-16 06:31:23 UTC</pubDate>
         <guid>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521014693</guid>
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         <title></title>
         <author>alisafathin12</author>
         <link>https://padlet.com/alisafathin12/mdo78otqy7lz4ggj/wish/3521015620</link>
         <description><![CDATA[<p>Nenek saya ajar, “duit RM1 pun ada nilai.” Sampai sekarang, saya tak pandang rendah duit kecil, dan suka simpan baki dalam tabung.</p>]]></description>
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         <pubDate>2025-07-16 06:32:11 UTC</pubDate>
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