Personal Finance

Personal finance refers to the management of an individual’s or household’s financial activities and decisions. This includes budgeting, saving, investing, and planning for future financial goals such as retirement and education. Personal finance encompasses a variety of financial products and tools, such as bank accounts, loans, credit cards, and investment accounts. The objective of personal finance is to maximize financial resources, make informed financial choices, and ensure that individuals can meet their current and future financial obligations effectively. Key components of personal finance include income management, expense tracking, debt management, savings strategies, and investment planning, all tailored to align with personal values and goals.