Financial Planning

Personal finance is the day-to-day management of your money. It includes budgeting, saving, expenses, and planning for expected and unexpected costs. Most financial stress comes from a lack of structure rather than a lack of income.

This section focuses on building a stable financial foundation. You’ll learn how to create a budget, track spending, build an emergency fund, and plan for recurring expenses. The goal is to help you control cash flow so you know where your money goes each month.

Strong personal finance habits make every other financial decision easier. When your spending and saving are organized, credit becomes manageable, and investing becomes possible.