Courses

Personal finance refers to managing an individual’s money, including earning, saving, spending, investing, and planning for the future. It involves making informed decisions about how to handle financial resources to meet both short-term and long-term goals. Developing strong personal finance skills helps people build financial security, avoid debt, and create opportunities for future growth.

• Budgeting – Creating a plan for how to spend and save money. A budget helps balance expenses with income, ensuring that essential needs are covered while leaving room for saving and discretionary spending.
• Saving – Setting aside money for future needs, such as emergencies, large purchases, or long-term goals. A general rule is to save at least 20% of income when possible.
• Banking – How Banks Work & Why You Need One
• Credit – What is Credit & Why Does it Matter?
• Loans & Debts – What is Debt & Why It’s Not Always Bad