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  <!-- =========================
       HOME / PAGES D'ACCUEIL
  ========================= -->
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    <lastmod>2026-08-23</lastmod>
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  <!-- =========================
       DISPOSABLE INCOME / RESTE À VIVRE
  ========================= -->
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    <lastmod>2026-08-23</lastmod>
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  <!-- =========================
       DAILY BUDGET / BUDGET JOURNALIER
  ========================= -->
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    <lastmod>2026-08-23</lastmod>
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    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://moneyloom.app/pt-br/orcamento-diario.html" />
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    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- =========================
       ENVELOPE METHOD / MÉTHODE DES ENVELOPPES
  ========================= -->
  <url>
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    <lastmod>2026-08-23</lastmod>
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    <xhtml:link rel="alternate" hreflang="de" href="https://moneyloom.app/de/umschlagmethode.html" />
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    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://moneyloom.app/pt-br/metodo-dos-envelopes.html" />
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    <lastmod>2026-08-23</lastmod>
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    <lastmod>2026-08-23</lastmod>
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  <!-- =========================
       BUDGET APP / APPLICATION BUDGET
  ========================= -->
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    <lastmod>2026-08-23</lastmod>
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    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://moneyloom.app/pt-br/aplicativo-de-orcamento.html" />
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    <lastmod>2026-08-23</lastmod>
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    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- =========================
       PRIVACY / CONFIDENTIALITÉ
  ========================= -->
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    <lastmod>2026-08-23</lastmod>
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