Saving money is a creative process. So, where do you begin? How do you make money work for you? Are you curious or conscious of how your values can shape your ability to plan, save, spend and invest? How do you take charge, apply strategies and take actions? In this book, we explore the money management fundamentals necessary to build and achieve a healthy personal financial lifestyle. This book can best be used as a BEGINNER'S GUIDE TO PERSONAL FINANCE. Learn the art of managing and saving money and how the process can practically work for you!