As an earning individual and a decision-maker, one needs to have the aptitude and the confidence to make responsible financial decisions. The individuals considered for this project, are youth entering the work force. Usually, our inability, uncertainty and procrastination push most of these individuals into worry and misinformation regarding their finances. Money management includes an understanding of how much needs to be saved and finding the right instruments for making your money work for you. There are factors that affect one’s priorities and the value of money over time. These factors need to be understood and accounted for when making financial decisions. There is a lot of technical financial information online, and it takes time and inclination to learn what you need to know. However, one needs an introduction to these aspects. An aptitude can be acquired with the right knowledge and confidence can be gained in the ability to make a sound decision in the face of peer pressure, social trends and practices. This attitude and confidence are built by practice. In this project, I propose a handbook, for the youth entering the work force, which will aid in their understanding of the concepts related to managing one’s personal finance.

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