The new year is here and so are all of the personal and professional goals we want to accomplish. We live in a world that is getting more and more expensive. The standard of living and the income is not proportional. Managing personal finances effectively is a cornerstone of a secure and prosperous future in a world that is rapidly changing. Whether you're just starting your financial journey or seeking to level up your money management skills, this practical handbook aims to guide you through the essential steps of budgeting and investment. It is beneficial for those who are feeling lost in all the financial terms.

The new year is here and so are all of the personal and professional goals we want to accomplish. We live in a world that is getting more and more expensive. The standard of living and the income is not proportional. Managing personal finances effectively is a cornerstone of a secure and prosperous future in a world that is rapidly changing. Whether you're just starting your financial journey or seeking to level up your money management skills, this practical handbook aims to guide you through the essential steps of budgeting and investment. It is beneficial for those who are feeling lost in all the financial terms.