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Youngsters likely to spend their money on entertainment, L: Therefore,…

- - - - P: Encouraging unhealthy habits
      - E: When entertainment becomes the main focus of their spending, it can lead to excessive screen time, late-night binge-watching, or even addiction to games and social media platforms. These behaviours may disrupt their daily routines and overall lifestyle.
      - E: Over time, this can negatively affect both physical and mental health. Lack of sleep, reduced physical activity, and poor eating habits are common consequences of overindulging in entertainment without self-control.
      - E: For instance, a teenager who stays up late watching series or gaming might skip breakfast, feel tired during school hours, and develop poor concentration or mood swings. These habits can also lead to long-term health issues such as obesity or anxiety.
    - - P: Wasting money on unnecessary items
      - E: Instead of spending wisely, many are easily influenced by trends or peer pressure, leading them to buy things they do not truly need such as expensive gadgets, branded merchandise, or repeated subscriptions to online platforms.
      - E: This kind of spending can quickly drain their savings and affect their ability to manage money responsibly. It also sets a bad habit of impulsive purchasing, which may carry into adulthood and lead to financial instability.
      - E: For instance, a teenager might buy the latest smartphone not because their old one is faulty, but just to fit in with their peers. Over time, these unnecessary expenses can add up and leave them struggling to cover more important costs like education or daily needs.
      - L:Therefore, while some spending on entertainment is healthy, overindulgence in non-essential items can be financially harmful and shows the importance of self-control and budgeting.
    - - P: Poor money management skills
      - E: Without proper financial education or guidance, they may struggle to set limits on their spending or prioritise their needs over wants. Many are not taught how to budget, save, or plan for future expenses, which leads to careless financial decisions.
      - E: As a result, they might run out of money quickly, fall into unnecessary debt, or rely heavily on parents for financial support. This lack of financial discipline can create long-term problems as they enter adulthood and face greater responsibilities.
      - E: For example, a student who receives a monthly allowance might spend most of it in the first week on fast food, shopping, or online entertainment. By the end of the month, they may find themselves borrowing from friends or unable to afford basic needs like transportation or stationery.
      - L: Clearly, without strong money management skills, youngsters are more likely to misuse their funds, which can negatively affect their independence and future financial stability.
      - risk of consumer habit-some even borrow money for this-starting unhealthy financial habits-najmi