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      <title>Planning Expenditure by Ann-Marie Skill</title>
      <link>https://padlet.com/annmarieskill/wgj5s712k7g4</link>
      <description>It&#39;s important to plan expenditure in order to avoid getting into debt.</description>
      <language>en-us</language>
      <pubDate>2018-11-16 14:22:10 UTC</pubDate>
      <lastBuildDate>2026-03-16 08:16:31 UTC</lastBuildDate>
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         <title>avoid bankruptcy </title>
         <author></author>
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         <pubDate>2018-11-21 09:13:32 UTC</pubDate>
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      <item>
         <title>Faiz Ahmed</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656176</link>
         <description><![CDATA[<div>Controlling costs <br>Manage money to fund purchases <br>Avoid bankruptcy<br><br></div>]]></description>
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         <pubDate>2018-11-21 09:14:19 UTC</pubDate>
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         <title>avoid debt</title>
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         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656232</link>
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         <pubDate>2018-11-21 09:14:28 UTC</pubDate>
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      <item>
         <title>counter the affects of inflation</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656356</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:14:57 UTC</pubDate>
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         <title>remain solvent</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656495</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:15:24 UTC</pubDate>
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      <item>
         <title>gain a good credit rating </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656589</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:15:42 UTC</pubDate>
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         <title>avoid legal action and/or repossession</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656629</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:15:50 UTC</pubDate>
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      <item>
         <title>generate income and savings r</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656701</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:16:08 UTC</pubDate>
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         <title>Generate Income &amp; savings </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656717</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-21 09:16:10 UTC</pubDate>
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      <item>
         <title>molly</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656766</link>
         <description><![CDATA[<div>avoid legal action or repossession </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:18 UTC</pubDate>
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      <item>
         <title>remain solvent </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656873</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:36 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656873</guid>
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      <item>
         <title>Remain Solvent </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656928</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:47 UTC</pubDate>
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         <title>avoid legal action or responsibility </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656952</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:53 UTC</pubDate>
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      <item>
         <title>getting into debt</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656962</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:55 UTC</pubDate>
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      <item>
         <title>savings can be used to fund purchases or be available to pay for unexpected expenses </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656973</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:16:57 UTC</pubDate>
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      <item>
         <title>Junior</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306656999</link>
         <description><![CDATA[<div>Having a good credit rating means you will be bale to borrow money to fund large purchases</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:17:03 UTC</pubDate>
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      <item>
         <title>Not having any money for things you need</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657061</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:17:14 UTC</pubDate>
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      <item>
         <title>no pension- lack of money to live off when you are older if you didn&#39;t save when you were younger</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657075</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:17:17 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657075</guid>
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      <item>
         <title>Avoid Legal action </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657106</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:17:24 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657106</guid>
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      <item>
         <title>poor credit rating, which affects your ability to borrow money </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657252</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:17:54 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657252</guid>
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      <item>
         <title>money left over for luxury items such as holidays </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657295</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:04 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657295</guid>
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      <item>
         <title>molly </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657296</link>
         <description><![CDATA[<div>not able to save for future </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:04 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657296</guid>
      </item>
      <item>
         <title>Daliso Banda</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657335</link>
         <description><![CDATA[<div>so you don't spend to much </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:11 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657335</guid>
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      <item>
         <title>jr</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657392</link>
         <description><![CDATA[<div>Getting into debt because you can not pay bills</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:22 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657392</guid>
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      <item>
         <title>organised your spending and helps you save money </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657490</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:39 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657490</guid>
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      <item>
         <title>you can pay for all your expenses</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657575</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:53 UTC</pubDate>
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      <item>
         <title>callum </title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657591</link>
         <description><![CDATA[<div>to make sure you save money and not spending it </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:18:55 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657591</guid>
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      <item>
         <title>molly</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657626</link>
         <description><![CDATA[<div>a good credit rating can make it easier to borrow money </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:19:00 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657626</guid>
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      <item>
         <title>daliso</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657869</link>
         <description><![CDATA[<div><br><br><br><br><br><br><br><br>you will end up going bankrupt</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:19:47 UTC</pubDate>
         <guid>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306657869</guid>
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      <item>
         <title>molly</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306658080</link>
         <description><![CDATA[<div><br>planning means you may have savings which you could use to pay for unexpected expenses</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:20:35 UTC</pubDate>
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      <item>
         <title>repossession could occur meaning that if you are unable to pay up bailiffs can come and take away your possession</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306658324</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:21:25 UTC</pubDate>
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      <item>
         <title>will be able to save money for the future as you will need money to spend it on important things</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306658341</link>
         <description><![CDATA[<div><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:21:31 UTC</pubDate>
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      <item>
         <title>you will not be able to keep track of the money coming out of your bank</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306658478</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:21:58 UTC</pubDate>
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      <item>
         <title>unexpected purchases</title>
         <author></author>
         <link>https://padlet.com/annmarieskill/wgj5s712k7g4/wish/306658652</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2018-11-21 09:22:32 UTC</pubDate>
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