People often do not fully understand the consequences of their
choices when it comes to their money, leaving them vulnerable to
overspending and financial crises. Financial literacy contributes
to alleviating this problem. Good financial decision making has a
positive influence on overall wellbeing, allowing people to
maximise their opportunities and lead more fulfilling lives.
Personal finance teaches individuals financial skills so that they
can manage their money better. Personal finance encompasses many
areas and core topics such as decision making, cash-flow
management, savings, credit, debt, housing and planning for the
future. Useful websites and appendices are provided for additional
information and reading. Personal finance is aimed at students as
well as the average South African on the street needing guidance on
managing household financial matters.
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