THE HARVARD SCHOOL

  What is Personal Finance management? Personal finance management is called as management of a person or his family’s financial resources to achieve their financial goals by making financial decisions in order to overcome various financial situations. It includes a broad range of topics related to money, income, expenses, savings, investments, and debt. And also some related topics such as insurance, retirement, budgeting etc..  The primary goal of personal finance management includes optimizing financial well-being and making informed choices to secure a stable and comfortable financial future.   Key points of Personal Finance Management:- Budgeting: Creating a budget involves tracking income and expenses to ensure that one's spending aligns with financial goals. A budget helps individuals allocate funds for essential needs, savings, and discretionary spending.   Saving : Saving involves setting aside money for future needs or emergencies.   Investing: Invest

  A father’s last lesson   In the quiet stillness of the hospital room, the air heavy with the weight of imminent farewells, a father lay on his deathbed. His son, David, sat by his side, holding back tears, unable to fathom a life without his guiding force. The room was filled with a palpable sense of love and the bittersweet acknowledgment of the inevitable. David's father, weakened but with a glint of determination in his eyes, beckoned him closer. With a tender smile, the old man began to share a lifetime's worth of wisdom. "David, my boy," he started, his voice a fragile whisper, "life is a journey, and you're at a crossroads now. Listen closely to the lessons I've learned, for they are the compass that will guide you when the path seems unclear." The father spoke of resilience, emphasizing the importance of facing challenges head-on. "Life will throw curve-balls your way, my son. It's not about avoiding them, but about how