Financial Literacy - It is a core life skill in an increasingly complex world where people need to take charge of their own finances, budget, financial choices, managing risks, saving, credit, and financial transactions., Financial Plan - It is a comprehensive statement of an individual’s longterm objectives for security and well« being and detailed savings and investing strategy for achieving the objectives;, Determining cash flow - Documenting it will help to see how much is needed every month for necessities, and the amount for savings and investment., Set your priorities - Making a list of rated needs and wants can help set financial priorities., Document your spending. - One of the best ways to figure out cash flow or what comes in and what goes out is to create a budget or a personal spending plan.,

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