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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My Pay SlipEarnings
Net earnings
My ExpensesMy needs
My wants
My nice to haves - silent thieves
BudgetingCreating a budget
Managing a budget
Borrowing and LoansCash or credit
Banks and money lenders
Managing and reducing loans
SavingWhy save?
How to save
RetirementHow much do I need?
Planning for retirement