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      <title>Financial Literacy Lessons 1.1 and 1.2 by Leila Marcillo-Gómez</title>
      <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8</link>
      <description>Money Management and setting goals: Control your cash flow</description>
      <language>en-us</language>
      <pubDate>2017-09-22 18:18:04 UTC</pubDate>
      <lastBuildDate>2017-09-26 16:04:36 UTC</lastBuildDate>
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      <item>
         <title>Specific</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255808</link>
         <description><![CDATA[<div>What exactly needs to be accomplished?<br>Who else will be involved?<br>Where will this take place?<br>Why do you want to accomplish the goal?</div>]]></description>
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         <pubDate>2017-09-22 18:21:21 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255808</guid>
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      <item>
         <title>Measurable</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255857</link>
         <description><![CDATA[<div>How will I know I've succeeded?<br>How much change needs to occur?<br>How many accomplishments or actions will it take?</div>]]></description>
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         <pubDate>2017-09-22 18:21:26 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255857</guid>
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      <item>
         <title>Attainable</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255908</link>
         <description><![CDATA[<div>Do I have, or can I get, the resources needed to achieve the goal?<br>Is it a reasonable stretch for me?<br>Are the actions I take likely to bring success?</div>]]></description>
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         <pubDate>2017-09-22 18:21:34 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255908</guid>
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      <item>
         <title>Relevant</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255958</link>
         <description><![CDATA[<div>Is it a worthwhile goal for me right now?<br>Is it meaningful to me?<br>Would it delay or prevent me from achieving a more important goal?<br>Am I willing to commit to achieving this goal?</div>]]></description>
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         <pubDate>2017-09-22 18:21:41 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190255958</guid>
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      <item>
         <title>Time-Bound</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256036</link>
         <description><![CDATA[<div>What is the deadline for reaching the goal?<br>When do I need to take action?<br>What can I do today?</div>]]></description>
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         <pubDate>2017-09-22 18:21:51 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256036</guid>
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      <item>
         <title>Money habits</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256376</link>
         <description><![CDATA[<div>Think about your money habits and whether they are sensible or not. Are they helping you save money or spending it?</div>]]></description>
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         <pubDate>2017-09-22 18:22:34 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256376</guid>
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      <item>
         <title>Needs and wants</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256942</link>
         <description><![CDATA[<div>Needs are things that are essential for your health and security. Wants are things that make life more interesting but you can get by without them.  When deciding to buy something, you must think about whether it is a need or a want. This will help you to save your money. Instead of spending it on wants, you might decide it's better to save it for needs. </div>]]></description>
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         <pubDate>2017-09-22 18:23:46 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190256942</guid>
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      <item>
         <title>Values</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190258502</link>
         <description><![CDATA[<div>Values are the ideas and beliefs that are most important or most meaningful to you. When deciding on whether something is a need or a want depends on your values. </div>]]></description>
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         <pubDate>2017-09-22 18:27:21 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190258502</guid>
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      <item>
         <title>Smart goals help fuel your dreams</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190259719</link>
         <description><![CDATA[<div>By using SMART goals you will have a better and more reasonable plan to save your money for things you wish to accomplish in the future. </div>]]></description>
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         <pubDate>2017-09-22 18:30:34 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190259719</guid>
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      <item>
         <title>Short Term Goals:</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190262936</link>
         <description><![CDATA[<div>Up to three months.&nbsp;<br><br></div>]]></description>
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         <pubDate>2017-09-22 18:38:26 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190262936</guid>
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      <item>
         <title>Medium Term Goals:</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190262972</link>
         <description><![CDATA[<div>Three months to a year</div>]]></description>
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         <pubDate>2017-09-22 18:38:32 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190262972</guid>
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      <item>
         <title>Long Term Goals:</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190263199</link>
         <description><![CDATA[<div>More than a year.&nbsp;<br>The further away your goal is, the more commitment and patience it will take to reach it. Breaking up longer-term goals into shorter ones can help keep you on track and motivated along the way.</div>]]></description>
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         <pubDate>2017-09-22 18:39:01 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190263199</guid>
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      <item>
         <title>Delayed Gratification</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190263964</link>
         <description><![CDATA[<div>Waiting until you know you can afford something. This is important when something is a want instead of a need.</div>]]></description>
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         <pubDate>2017-09-22 18:40:35 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190263964</guid>
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      <item>
         <title>Instant Gratification</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190264443</link>
         <description><![CDATA[<div>Deciding that you want something and buying it right away. This might not always be the best option because you might realize later on that you could've spent your money on something else more important. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-09-22 18:41:44 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190264443</guid>
      </item>
      <item>
         <title>Goals Gut Check</title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190611416</link>
         <description><![CDATA[<div>If you don't care about a goal, you'll either ignore it or find yourself struggling to achieve it. <br>Starting a statement with "I should. . ." is a major warning sign that it may not be meaningful to you. "Should" goals often reflect other people's values instead of your own. <br>If you can't rate a goal with at least a 3, think about whether that's really  a goal you need to set yourself. </div>]]></description>
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         <pubDate>2017-09-24 19:50:20 UTC</pubDate>
         <guid>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190611416</guid>
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         <title></title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190613068</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-09-24 20:00:23 UTC</pubDate>
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         <title></title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190621698</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2017/09/03/smarter-living/Your-Best-Tips-for-Saving-a-Few-Extra-Bucks.html" />
         <pubDate>2017-09-24 20:55:27 UTC</pubDate>
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         <title></title>
         <author>marcillo_gomez_lei</author>
         <link>https://padlet.com/marcillo_gomez_lei/qiwz25qjkgx8/wish/190622211</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-09-24 20:58:52 UTC</pubDate>
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         <author>marcillo_gomez_lei</author>
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         <pubDate>2017-09-24 21:05:03 UTC</pubDate>
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