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      <title>9B - MANAGEMENT KEUANGAN SESUAI UMP JAKARTA by Fabiola Mia Pramudita</title>
      <link>https://padlet.com/fabiolapramudita1/moneymanagement9B</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 01:42:46 UTC</pubDate>
      <lastBuildDate>2025-10-23 00:32:43 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
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      <item>
         <title>Jovan</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642326822</link>
         <description><![CDATA[<p>Orang tua 5 juta</p><p>lain2 400ribu</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:14:14 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642326822</guid>
      </item>
      <item>
         <title>Marcello 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642328423</link>
         <description><![CDATA[<p>Pendapatan: Rp 5.396.761</p><p>Kost: Rp 1.500.000</p><p>Makan: Rp 1.200.000</p><p>Transportasi: Rp 500.000</p><p>Pulsa &amp; Internet: Rp 250.000</p><p>Kebutuhan Pribadi: Rp 400.000</p><p>Tabungan: Rp 600.000</p><p>Uang untuk orang tua: Rp 700.000</p><p>Hiburan &amp; Kesehatan: Rp 246.761</p><p><strong>Total: Rp 5.396.761</strong></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:15:24 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642328423</guid>
      </item>
      <item>
         <title>nathan</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642329044</link>
         <description><![CDATA[<p><strong>Money Management Bulanan (UMK Jakarta Rp 5.396.761)</strong></p><ul><li><p><strong>Kos + listrik + air:</strong> Rp 2.000.000</p></li><li><p><strong>Makan &amp; minum:</strong> Rp 1.500.000</p></li><li><p><strong>Transportasi:</strong> Rp 400.000</p></li><li><p><strong>Pulsa &amp; internet:</strong> Rp 200.000</p></li><li><p><strong>Kebutuhan pribadi (sabun, vitamin, dll):</strong> Rp 200.000</p></li><li><p><strong>Tabungan &amp; darurat:</strong> Rp 800.000</p></li><li><p><strong>Hiburan / nongkrong:</strong> Rp 200.000</p></li><li><p><strong>Cadangan lain-lain:</strong> Rp 100.000</p></li></ul><p><strong>Total:</strong> Rp <strong>5.400.000 / bulan</strong></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:15:54 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642329044</guid>
      </item>
      <item>
         <title>Dylan DS - 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642329445</link>
         <description><![CDATA[<p>UMK dengan minimum Rp 5.396.761</p><p><br></p><ol><li><p>Mencarikan ruangan apartment yang murah. Minimal dengan harga Rp 900.000</p></li><li><p>Kebutuhan primer seperti ATK, barang perlu di pekerjaan, dan pembayaran di supermarket. Dengan secara kehidupan hari-hari. Minimal dengan Rp 850.000</p></li><li><p>Kasih ke orang tua setengah dari gaji UMK. Minimal Rp 2.000.000</p></li><li><p>Beli kendaraan yang mudah dan tidak bingung = Sepeda. Minimal Rp 600.000</p></li><li><p>Sisanya = Untuk investasi (Dengan uang sekitar Rp 900.000)</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:16:11 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642329445</guid>
      </item>
      <item>
         <title>Gallard</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642332081</link>
         <description><![CDATA[<p><strong>Money Management</strong></p><ul><li><p>Sewa tempat tinggal: Rp 1.619.000</p></li><li><p>Makan dan kebutuhan dapur: Rp 1.349.000</p></li><li><p>Transportasi: Rp 540.000</p></li><li><p>Tagihan dan utilitas: Rp 540.000</p></li><li><p>Tabungan atau dana darurat: Rp 540.000</p></li><li><p>Kebutuhan pribadi: Rp 432.000</p></li><li><p>Hiburan dan sosial: Rp 270.000</p></li><li><p>Donasi atau biaya tak terduga: Rp 108.000</p></li></ul><p><strong>Total: Rp 5.398.000 (dibulatkan dari Rp 5.396.761)</strong></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:18:14 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642332081</guid>
      </item>
      <item>
         <title>Aurelia </title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642332873</link>
         <description><![CDATA[<p>tempat tinggal 2.000.000</p><p>makanan 1.000.000</p><p>data 150.000</p><p>tabungan 500.000</p><p>dana urgent 350.000 </p><p>listrik 1.000.000</p><p>transportasi 396.761</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:18:42 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642332873</guid>
      </item>
      <item>
         <title>keenan</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642333628</link>
         <description><![CDATA[<p>beli </p><p>-  rumah ato tempat tinggal (sejuta)</p><ul><li><p>makanan (500k-1 jt) </p></li><li><p>transportasi (500k-1jt)</p></li><li><p>obat atau kesehatan (200k)</p></li><li><p>pakaian (300k)</p></li><li><p>uang sisa but yng lain </p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:19:08 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642333628</guid>
      </item>
      <item>
         <title>Alexa </title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642334984</link>
         <description><![CDATA[<p>Tempat tinggal: 3jt</p><p>Makan: 1jt</p><p>Transportasi: 200rb tergantung jauh atau tidak, dan kalau dekat saya lebih memilih jalan kaki.</p><p>Tabungan: 700rb</p><p>Kuota dan pulsa: 50rb</p><p>Obat obatan : 300rb</p><p>Uang untuk ortu : 349rb</p><p><br/></p><p><br/></p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:20:00 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642334984</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642335559</link>
         <description><![CDATA[<p>Javier</p><p>Makan, minum, jajan : 2.000.000</p><p>Tempat tinggal, Listrik, Air : 1.500.000</p><p>Uang untuk jalan2 atau beli barang : 500.000</p><p>Tabung : 1.396.761</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:20:25 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642335559</guid>
      </item>
      <item>
         <title>Brenda 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642336300</link>
         <description><![CDATA[<p>Kos : 1.500.000</p><p>Makan : 1.350.000</p><p>Transportasi : 120.000 </p><p>Pulsa internet : 430.000</p><p>Tabungan / Investasi : 540.000 </p><p>Kesehatan : 270.00</p><p>Hiburan : 380.000</p><p>Kebutuhan Pribadi : 870.000</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:20:59 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642336300</guid>
      </item>
      <item>
         <title>Evan 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642337620</link>
         <description><![CDATA[<p>pertama bayar kos untuk tempat tinggal kita sekitar 1.5  perbulan , abis itu beli bahan-bahan makanan di pasar untuk seminggu sekitar 100ribuan, jika cukup untuk minggu kedepannya, untuk lebih hemat buat makan, lalu isi bensin motor sekitar 80 ribuan, lalu jika ada kendala di motor sekitar 100 sampai 500. internet dan pulsa sekitar 100 ribuan. Jika ada sisa ditabung/ditransfer ke orang tua</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:21:55 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642337620</guid>
      </item>
      <item>
         <title>Joy 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642337734</link>
         <description><![CDATA[<p>pendapatan : Rp. 5.396.761</p><p>Rumah : Rp. 1.619.000</p><p>Makan &amp; minum: Rp. 1.349.000</p><p>Listrik,pulsa &amp; internet : Rp. 270.000</p><p>Tabungan : Rp. 540.000</p><p>Transportasi : Rp. 540.000</p><p>Kebutuhan pribadi: Rp. 540.000</p><p>Pengembangan diri:  Rp. 270.000</p><p>Lain : Rp. 270.000</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:22:01 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642337734</guid>
      </item>
      <item>
         <title>Justin</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642338066</link>
         <description><![CDATA[<p>Perbulan</p><ol><li><p>Tempat tinggal : 1.6jt</p></li><li><p>Makan :  1.6jt</p></li><li><p>transportasi : 400k</p></li><li><p>pulsa internet : 200k</p></li><li><p>kebutuhuan sehari hari: 500k</p></li><li><p>tabung : 1jt 396k (dipakai jika butuh)</p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:22:17 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642338066</guid>
      </item>
      <item>
         <title>Celine 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642340316</link>
         <description><![CDATA[<p>pengeluaran sebulan</p><ul><li><p>pergi sama teman: 200k</p></li><li><p>kebutuhan pribadi: 200k</p></li><li><p>listrik, air: 1.5jt</p></li><li><p>makanan(bahan"): 500rb</p></li><li><p>kesehatan: 300rb</p></li><li><p>bensin: 700-1jt</p></li><li><p>pakaian: 400rb</p></li><li><p>sabun, odol, dll: 300rb</p></li><li><p>tabung:300k</p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:23:50 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642340316</guid>
      </item>
      <item>
         <title>Garry 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642340697</link>
         <description><![CDATA[<p>tempat tinggal : 1.500.000</p><p>Wifi dan Pulsa : 300 ribu</p><p>Makanan: 1.500.000</p><p>Bensin(motor): 375.000</p><p>Kesehatan : 200.000</p><p>Tabungan : 800.000</p><p>Investasi(saham,dll): 400.000</p><p>Kebutuhan Pribadi(hiburan) : 321.761</p><p><br/></p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:24:07 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642340697</guid>
      </item>
      <item>
         <title>Pengelolaan Uang - Jo 9B</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642341056</link>
         <description><![CDATA[<ul><li><p>Makanan (Rp 1.680.000,00)</p></li><li><p>Tempat tinggal, Biaya listrik, Biaya Air (Rp 1.500.000,00)</p></li><li><p>Bensin (Rp 320.000,00)</p></li><li><p>Pajak Motor (Rp 150.000,00)</p></li><li><p>Pulsa &amp; Internet (Rp 75.000,00)</p></li><li><p>Darurat (Rp 500.000,00)</p></li><li><p>Tabungan (Rp 200.000,00)</p></li><li><p>Asuransi (Rp 300.000,00)</p></li><li><p>Orang Tua (Rp 400.000,00)</p></li><li><p>Hiburan (Rp 275.000,00)</p></li></ul>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:24:19 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642341056</guid>
      </item>
      <item>
         <title>Hira </title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642341647</link>
         <description><![CDATA[<p>Tempat tinggal : 1jt</p><p>Makan :1jt</p><p>Transportasi: 200rb-300rb</p><p>Tabungan / urgent : 2jt </p><p>Hiburan : 500rb</p><p>Kasih ortu : 500rb </p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:24:47 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642341647</guid>
      </item>
      <item>
         <title>Jacqueline</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642343577</link>
         <description><![CDATA[<p>Kebutuhan primer:</p><ol><li><p>Tempat tinggal - 1.500.000 </p></li><li><p>Makan - 1.000.000</p></li><li><p>Transportasi (umum) - 300.000</p></li><li><p>Pulsa/data - 50.000</p></li><li><p>Kesehatan (obat2, vitamin, asuransi kesehatan) - 400.000</p></li><li><p>Pakaian - 300.000</p></li><li><p>Kebutuhan pribadi - 500.000</p></li><li><p>Tabungan: 1.346.000</p><p><br/></p></li></ol>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:25:54 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642343577</guid>
      </item>
      <item>
         <title>denis</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642343725</link>
         <description><![CDATA[<p>Gaji : Rp. 5,397,000</p><p><br/></p><p>Uang makan</p><p>Beras 6 kg : Sekitar Rp.47,000</p><p>Telur 1 kg : Sekitar Rp.30,000</p><p>Daging Ayam 3 ekor : Sekitar Rp.150,000</p><p>Sayuran 3 kg : Sekitar Rp.50,000</p><p><br/></p><p>Token Listrik : Rp.200,000</p><p><br/></p><p>Bensin Transportasi : Rp.300,000</p><p><br/></p><p>Uang tabungan : Rp.1,000,000</p><p><br/></p><p>Pulsa dan Internet : Sekitar Rp.250,000</p><p><br/></p><p>Kebutuhan Kebersihan : Rp.300,000</p><p><br/></p><p>Hiburan : Rp.600,000</p><p><br/></p><p>Obat : Rp. 1,000,000</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:26:01 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642343725</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642353420</link>
         <description><![CDATA[<p>PRIMER</p><p>-&gt; Makanan sehari-hari (1,2 jt)</p><p>-&gt; Kebutuhan tempat tinggal/bayar kos (1jt+)</p><p>-&gt; Kendaraan bensin/ojol (Rp970.000+)</p><p>-&gt; Perawatan kendaraan (Rp250.000)</p><p>-&gt; Biaya Listrik &amp; Air (Rp600.000)</p><p>-&gt; Pakaian seperlunya (Rp200.00)</p><p>-&gt; Asuransi Kesehatan &amp; Keselamatan (250.000)</p><p><strong>Rp4.470.000</strong></p><p><br/></p><p>SEKUNDER</p><p>-&gt; Hiburan (300.000)</p><p>-&gt; Langganan Pusat Kebugaran (200.000+)</p><p>-&gt; Biaya Internet (150.000+)</p><p>-&gt; Kebutuhan Rumah tangga  (alat masak, setrika, dll) (400.000)</p><p><strong>Rp1.050.000</strong></p><p><br/></p><p><strong>Total +/- Rp5.620.000</strong></p><p><br></p><p><br/></p><p><br/></p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 04:31:54 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642353420</guid>
      </item>
      <item>
         <title>Cheryle</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642398998</link>
         <description><![CDATA[<p>Kasih ortu : 1jt</p><p>Dana darurat : 500rb</p><p>Makan &amp; minum : 1.2 jt</p><p>Kos : 1.3 jt</p><p>Transport : 250rb</p><p>Kebutuhan pribadi: 340rb</p><p>Laundry : 400rb</p><p>Paket data : 150rb</p><p>Self reward : 250rb</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-21 05:00:30 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3642398998</guid>
      </item>
      <item>
         <title>Darrell</title>
         <author></author>
         <link>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3646211459</link>
         <description><![CDATA[<p>Pendapatan 5jt</p><p>Makan.500 rb</p><p>Utilities 1.2 jt an</p><p>Other 1.5 jt</p><p>Nabung. Sisanya</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-10-23 00:32:42 UTC</pubDate>
         <guid>https://padlet.com/fabiolapramudita1/moneymanagement9B/wish/3646211459</guid>
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