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      <title>Let&#39;s plan a budget! by </title>
      <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y</link>
      <description>Task 2                                                                                                                                                                                                                                            You have RM100 in your hand.Plan a budget by applying the 50:30:20 rule. </description>
      <language>en-us</language>
      <pubDate>2025-04-18 08:23:55 UTC</pubDate>
      <lastBuildDate>2025-10-07 12:00:32 UTC</lastBuildDate>
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         <title></title>
         <author>raymondpobendalis</author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621580014</link>
         <description><![CDATA[<p>How I plan my budget. </p><p>Rule 50 (Needs) - For my RM 50, I will spend it on groceries. </p><p>Rule 30 (Wants) - I will use RM30 for watching movies and eating out. </p><p>Rule 20 (Savings) - I will save RM20 for my retirement.</p><p><br/></p><p><br/></p><p>Ms. B</p>]]></description>
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         <pubDate>2025-10-07 10:25:14 UTC</pubDate>
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         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621673094</link>
         <description><![CDATA[<p>Rule 50 (Needs) – I will spend RM30 on groceries because they are important for my daily needs.</p><p><br/></p><p>Rule 30 (Wants) – I will use RM15 for watching movies and eating out to relax and have fun.</p><p><br/></p><p>Rule 20 (Savings) – I will save RM18 for my future needs and emergencies.</p>]]></description>
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         <pubDate>2025-10-07 11:42:47 UTC</pubDate>
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         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621679115</link>
         <description><![CDATA[<p><strong>Rule 50 (Needs):</strong><br>I will spend <strong>rm50</strong> on necessary items such as food, transportation, and school supplies.</p><p><strong>Rule 30 (Wants):</strong><br>I will spend <strong>rm30</strong> on things I enjoy, like watching movies, snacks, or going out with friends.</p><p><strong>Rule 20 (Savings):</strong><br>I will save <strong>rm20</strong> for future needs or emergencies.</p>]]></description>
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         <pubDate>2025-10-07 11:47:09 UTC</pubDate>
         <guid>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621679115</guid>
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      <item>
         <title>1. IncomeWhat is your monthly income (after taxes)?Do you have any additional income (freelance, side gigs, etc.)?2. Fixed Expenses (Monthly)Examples:Rent/mortgageUtilities (electricity, water, gas)Internet/phoneInsurance (health, auto, etc.)Car paymentSubscriptions (Netflix, Spotify, etc.)</title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621680278</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-10-07 11:47:57 UTC</pubDate>
         <guid>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621680278</guid>
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      <item>
         <title>Student budget</title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621680478</link>
         <description><![CDATA[<p>Needs( Rule 50 )-I would spend RM50 on mobile data and meals</p><p>Wants( Rule 30 )-I would spend RM30 on snacks and basic personal    items</p><p>Savings ( Rule 20 )-I would save RM20 for any unexpected expenses</p>]]></description>
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         <pubDate>2025-10-07 11:48:09 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621682711</link>
         <description><![CDATA[<p>RULE 50 [NEEDS] - FOR MY RM 50,i will buy my stationary. </p><p>RULE 30 [WANTS]- FOR MY RM 30,i top up diamond mobile legends.</p><p>RULE 20 [SAVING]- FOR MY RM 20,i will put in my piggy bank.</p>]]></description>
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         <pubDate>2025-10-07 11:49:49 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621683950</link>
         <description><![CDATA[<p>50(needs)-For RM50 I will use it to buy my school supplies.</p><p>30 (desire)-for me to walk around buying food</p><p>20 (savings)-I will save my rm20 and I will use it when needed.</p>]]></description>
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         <pubDate>2025-10-07 11:50:34 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621684309</link>
         <description><![CDATA[<p>RULE 50(needs)-I will spend RM50 to buy school stationary and school uniform </p><p>RULE 30(wants)-I would like to buy novels and comics with the RM30</p><p>RULE 20(Saving)-I will save the RM20 for my future and an emergency situations </p>]]></description>
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         <pubDate>2025-10-07 11:50:50 UTC</pubDate>
         <guid>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621684309</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621684581</link>
         <description><![CDATA[<p>Rule 50-i will use 30 for my Necessities And 20 for savings like emergencies</p>]]></description>
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         <pubDate>2025-10-07 11:51:04 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621686106</link>
         <description><![CDATA[<p>How I plan my budget</p><p>Rule 50(needs):I will spend Rm50 for my stationary </p><p>Rule 30(wants):I will spend Rm30 for my skincare</p><p>Rule 20(saving):I will saving my Rm20 for my education </p>]]></description>
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         <pubDate>2025-10-07 11:52:14 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621691137</link>
         <description><![CDATA[<p>Rule 50(needs)</p><p>For my RM 40,I will spend it on stationary item</p><p>Rule 30(wants)</p><p>I will spend RM 30 for buying comic and eating out</p><p>Rule 20(savings)</p><p>I will save RM 30 for my future need and emergency situation</p><p><br/></p><p><br/></p>]]></description>
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         <pubDate>2025-10-07 11:55:43 UTC</pubDate>
         <guid>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621691137</guid>
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      <item>
         <title>RM100 budget plan</title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621691213</link>
         <description><![CDATA[<p>rule 50 (needs)- I will spend RM50 for book and stationery</p><p>rule 30 (wants)- I will spend RM25 for educational apps</p><p>rule 20 (savings)- I will save RM25 for emergency fund</p><p><br/></p><p><br/></p><p><br/></p><p>from pila</p>]]></description>
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         <pubDate>2025-10-07 11:55:46 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/raymondpobendalis/pt6s1cghiratcl9y/wish/3621694721</link>
         <description><![CDATA[<p>RULE 50 (NEEDS)RM50 FOR SCHOOY STATIONARY </p><p>RULE 30 (WANTS)RM30 FOR JUNK FOODS AND MAKEUP </p><p>RULE 20 (SAVING)RM20 I WILL USE IN THE FUTURE </p>]]></description>
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         <pubDate>2025-10-07 11:58:12 UTC</pubDate>
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