What is the Difference? Financial Literacy Knowledge, understanding and applying financial skills. Budgeting, borrowing and money management. Golden rule of financial literacy: Pay Yourself Give Your Tithes / Pay Yourself Keep U in the Eq-U-ation! Personal Finance Encompasses your entire financial life! Take responsibility for your financial future. Focus Now to See better Tomorrow! Rule #1 Spend Less Than You Make I – Am -The-Responsible-One! I – Am -The-Responsible-One!! I

Joan’s book - Budgeting Made Simple! covers these topics to help break down problems and stereo-types that may prevent one from financial breakthrough. Personal Finances: Helps you to personalize every aspect of your financial world. Financial Literacy: Relates how your knowledge and understanding of finances applies in everyday situations. What Is Budgeting?: A budget is a written plan to help distribute money. We are the boss of our money, and it does what we tell it to do,

Savings Account: A savings account is exactly what the name implies, that is to save money; it is also the purpose of the account. This is the main account to place your intended savings goals into. The idea is to allow the funds to build up as your personal savings, not only for a rainy day, but for your financial future. So, if I may ask; how comfortable are you right now at this age and stage of life with what you’ve done with your earnings? Have you ever worked the entir

The importance of creating a budget: A budget is a written plan to help you distribute your money to pay essentials and create saving goals, it can alleviate some of the stress associated with money by providing an action plan and a pathway to effectively manage both the stress and the finances. I don’t think a budget has to be complicated to work. It can be created on a napkin or on the back of an envelope. Puttin g your budget in writing can help you better understand how m