Abstract: SECRETS TO BUILDING YOUR FINANCE Table of content : . Secrets in building your finance . Ways and methods in upholding your finance    Chapter One Personal finance refers to the management of an individual's or a family's financial resources. It involves making decisions about budgeting, saving, investing, and planning for future financial goals. Here are some key points about personal finance:   - Personal finance encompasses the management of money and financial assets on an individual level. - It involves creating and following a budget to track income and expenses. - Personal finance includes saving money for emergencies, future expenses, and retirement. - It also involves making informed decisions about investments, such as stocks, bonds, and real estate. - Personal finance includes managing debt, such as credit card debt, loans, and mortgages. - It involves understanding and improving credit scores and credit history. - Personal finance also includes financial planning for major life events, such as buying a house, starting a family, or sending children to college.   Overall, personal finance is about taking control of your financial situation, making wise financial decisions, and planning for a secure and prosperous future.