Personal Financial Management

Knowing and understanding the opportunities and obligations associated with earning money reduces much of the stress and makes it easier to manage and use money effectively and positively.

Target Audience:

This programme is aimed at first-time salary or wage-earners as well as anyone who wants to make better decisions on managing their own money.

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Outcomes

My Pay Slip• Earnings
• Deductions
• Net earnings
My Expenses• My needs
• My wants
• My nice to haves - silent thieves
Budgeting• Creating a budget
• Managing a budget
Borrowing and Loans• Cash or credit
• Interest
• Banks and money lenders
• Managing and reducing loans
Saving• Why save?
• How to save
Retirement• How much do I need?
• Planning for retirement