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      <title>My Saving Plan by </title>
      <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf</link>
      <description>Let’s plan a saving.  1. What do you want to buy?  2. How do you plan your budget?</description>
      <language>en-us</language>
      <pubDate>2025-05-13 06:39:06 UTC</pubDate>
      <lastBuildDate>2025-10-29 12:00:42 UTC</lastBuildDate>
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         <title>My Dream Vacation</title>
         <author>raymondpobendalis</author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3448011550</link>
         <description><![CDATA[<p>I plan to have a vacation on Langkawi Island in December 2025. To ensure my dream comes true, I will choose the cheapest package that costs only RM350. I need to start saving RM43.75 every month for 8 months so that in December I have a total saving of RM350.</p><p><br></p><p>Ms. B</p>]]></description>
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         <pubDate>2025-05-13 06:52:16 UTC</pubDate>
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      <item>
         <title>I want to buy a new laptop for studying and creative projects, so I plan to save RM300 each month by cutting unnecessary spending like snacks and online shopping until I reach my goal of RM3,000 in about 10 months.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654434977</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:35:52 UTC</pubDate>
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      <item>
         <title>I want to buy a shoes.I plan RM50 save money every week to buy a shoes.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654439853</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:40:04 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654439853</guid>
      </item>
      <item>
         <title>Budget</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654440873</link>
         <description><![CDATA[<p>In my point of view the item that I will buy is a vital items such as  Sasbadi so I can use it when exam is coming.Futhermore I will choose the cheapest coast around RM40 so it can help me to save money.....😅😅</p>]]></description>
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         <pubDate>2025-10-28 11:40:58 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654440873</guid>
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      <item>
         <title>My dream vacation</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654443311</link>
         <description><![CDATA[<p>1. Define my dream vacation</p><p>-10-day trip to Japan</p><p>-RM3,000 total (including flights, accommodation, food, and fun).</p><p>2. Plan your budget</p><p>💰 Step 1: Know your income and expenses</p><p> you earn RM2,500/month and your regular expenses (rent, food, bills, etc.) total RM1,900.</p><p>That leaves RM600/month you could potentially save</p><p>Step 2: Set your savings goal and timeline</p><p>If your goal is RM3,000, here are a few options:</p><p>Save RM300/month → Reach your goal in 10 months</p><p>Step 3: Make saving easy</p><p>Open a separate “Vacation Fund” account</p><p>Step 4: Stay motivated</p><p>Print or save a photo of your drea</p><p>m destination</p>]]></description>
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         <pubDate>2025-10-28 11:42:45 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654443311</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654444483</link>
         <description><![CDATA[<p>I want to buy a new electric <a rel="noopener noreferrer nofollow" href="http://guitar.so">guitar.So I decided to save RM500 each month until I reach my goal of RM5000 in about 10 months.</a></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-28 11:43:39 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654444483</guid>
      </item>
      <item>
         <title>my saving plan </title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654444972</link>
         <description><![CDATA[<p>i want to buy something that i need. which is, a computer or tablet that can i use for my studying. And then, the money that i saving for myself i can use it for my future. and then i can use my saving money for any emergency like when i get sick, i can use my saving money to pay the bill.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-28 11:44:00 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654444972</guid>
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      <item>
         <title>I want to buy a new phone .How I plan my budget:I plan my budget by setting aside a certain amount of money every month. For example, if the phone costs RM1,200, I will save RM300 each month for four months. I also try to reduce unnecessary spending like eating out or buying things I don’t need.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654445102</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-10-28 11:44:06 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654445102</guid>
      </item>
      <item>
         <title>I plan to buy an iPad and an iPhone. To make my dream come true, I will save RM500 from January. When I have excess money in my savings account, I will save it. </title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654445684</link>
         <description><![CDATA[<p>I hope this dream of mine will come true. </p><p><br></p><p><br></p>]]></description>
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         <pubDate>2025-10-28 11:44:29 UTC</pubDate>
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      <item>
         <title>My saving plan</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654446387</link>
         <description><![CDATA[<p>I will buy a Samsung 14 pro max phone and the price is rm 2999 so I plan that every month I will save rm 50 for 6 months</p>]]></description>
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         <pubDate>2025-10-28 11:45:04 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654446387</guid>
      </item>
      <item>
         <title>Buying new shoes.I want to buy a pair of new shoes for school. I plan my budget by saving part of my pocket money each week. I also compare prices online to find a good deal and make sure I don’t overspend.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654449947</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-10-28 11:48:04 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654449947</guid>
      </item>
      <item>
         <title>Budget</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654450708</link>
         <description><![CDATA[<p>I think items that I will buy is a crucial items like clothes and shoes so I can use it when Christmas come.I will buy the cheapest coast around RM200 so I didn't buy a new clothes when new year come......🌲🌲🌲🌲🌲🌲🌲</p>]]></description>
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         <pubDate>2025-10-28 11:48:41 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654450708</guid>
      </item>
      <item>
         <title>Buying headphones.I want to buy a new pair of headphones. I plan my budget by saving a small amount every week. I also look for discounts or sales to get the best value for my money.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654451038</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:48:57 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654451038</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654451129</link>
         <description><![CDATA[<p>In my point of view i would like to buy SEVENTEEN Consert ticket,so i decide to save RM300 each months</p>]]></description>
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         <pubDate>2025-10-28 11:49:01 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654451129</guid>
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      <item>
         <title>Buying clothes or accessories.I want to buy some new clothes for the holidays. To plan my budget, I set a spending limit and make a list of what I really need. This helps me avoid impulse buying and manage my money wisely.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654452226</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:49:54 UTC</pubDate>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654452389</link>
         <description><![CDATA[<p>I want to buy an iPad so I need to save up RM 1200 in 1 year and 6 months. Every month I will save RM 40 to buy the iPad.</p>]]></description>
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         <pubDate>2025-10-28 11:50:03 UTC</pubDate>
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      <item>
         <title>Saving For Laptop </title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654452566</link>
         <description><![CDATA[<p>I plan to buy a laptop that costs RM7,000 within the next three years, so I will save about RM194 every month, or roughly RM45 each week. By setting aside this amount regularly, I can reach my goal gradually without putting too much pressure on my budget. This plan allows me to manage my finances responsibly while still working toward something I really want. If I stay consistent and avoid unnecessary spending, I’ll be able to afford the laptop comfortably by the end of the three years, and I might even have a little extra saved for accessories or upgrades.</p>]]></description>
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         <pubDate>2025-10-28 11:50:13 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654452566</guid>
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      <item>
         <title>Buying a laptop.I want to buy a new laptop for my studies. I plan my budget by saving part of my monthly allowance and doing small part-time work to earn extra money. I also check prices from different stores before deciding</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654454456</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:51:48 UTC</pubDate>
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         <title>Buying a new phone.I want to buy a new smartphone because my old one is slow. To plan my budget, I save RM200 from my allowance every month. I also avoid buying snacks and unnecessary things so I can reach my goal faster.</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654455179</link>
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         <pubDate>2025-10-28 11:52:27 UTC</pubDate>
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      <item>
         <title>I’m saving money to buy a Pujangga hockey stick. My goal is RM400, and I plan to reach it in four months by saving a little every week. I’ll stay disciplined and avoid spending on unnecessary things until I achieve my goal</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654457047</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:53:51 UTC</pubDate>
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         <title>I plan to buy an iPhone 12, which currently costs about RM3,000. I will save RM 400 every month. If I stay consistent, I will reach my goal in about 6 to 8 month</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654460443</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:56:23 UTC</pubDate>
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         <title>My dream vacation</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654460552</link>
         <description><![CDATA[<p>I am planning to go to Bangkok, Thailand. </p><p>The price of the ticket is RM150 so I want to save RM40 every month.</p><p>I wish my dream become true.</p>]]></description>
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         <pubDate>2025-10-28 11:56:29 UTC</pubDate>
         <guid>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654460552</guid>
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         <title>I want save money for celebrating Christmas day 🎇💐</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654461587</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 11:57:23 UTC</pubDate>
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         <title>In my point of view I would like to buy  ticket Zi Yu consert so I save money 300 each week </title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654466035</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-28 12:00:54 UTC</pubDate>
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      <item>
         <title>Budget</title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654466272</link>
         <description><![CDATA[<p>I planning to go travel with my friend such as visit Thailand, Singapura,China and Korea and the way I use to reach my dream is by saving money around RM50 every month for 3-5 year</p>]]></description>
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         <pubDate>2025-10-28 12:01:09 UTC</pubDate>
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         <title>My Brother&#39;s Convocation </title>
         <author></author>
         <link>https://padlet.com/scarymaximumstudies/mvr1c59p41nowecf/wish/3654477472</link>
         <description><![CDATA[<p>I plan to join my parents to go to my brother's convocation in Perak next year. I don't want to burden my parents so I will try to save up at least RM50 each month. I want to be able to spend money without asking for it from my parents when we are finally there. Besides that, I'm thinking of working part-time at my Aunt's restaurant to earn extra cash. I have around 1 year to prepare for this trip, I truly hope I can do it. </p>]]></description>
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         <pubDate>2025-10-28 12:09:10 UTC</pubDate>
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