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Table of contents:What Is a personal budget and why do you need one?Advantages of organizing your finances and having a

Table of contents:The fundamental pillars of finance you should knowIncome: The foundation of your financial healthExpenses: Types, control, and classificationSaving:

Table of contents:Benefits of using spreadsheets to manage your financesHow to create a spreadsheet for your finances from scratchChoose between

Table of contents:What is saving and what are Its main characteristics?Key characteristics of savingWhat is investing and how does It

Table of contents:Why is it important to learn how to save money?Main benefits of saving moneyThe short-term benefits of savingThe

Table of Contents:What is financial literacy?Basic concepts you should know about financial literacyWhat does financial literacy cover? Saving, investing, credit,

Table of Contents:Why is it important to start investing as soon as possible?How investing brings you closer to financial freedomFirst

Table of Contents:How does the tax system work in the United States?Federal, state, and local taxes: What they are and

Table of Contents:Why use digital tools to manage your personal finances?Advantages of using apps for expense tracking and money managementThe