In today's economy, it's more important than ever to know how to manage your money wisely. That means creating a budget and sticking to it, understanding the basics of credit and investing, and knowing how to save for both short-term and long-term goals. If money management isn't your strong suit, don't worry—there are plenty of resources available to help you get on track. Start by doing some research and then talking to a financial advisor if you need more guidance.

There are simple steps everyone can take to keep money under control and make the most of what we have. The plan is to look at:

Personal Finance - We can apply the principles of finance to your monetary decisions and those of your family. See about bank accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.

Financial planning - Short term or long term, one always should plan and design and strategy for the future. In terms of money, long term planning means planning for your retirement. There are a number of points to consider in order to ensuring financial stability.

Saving to be able to to make big purchases - We all have vehicles, houses, college tuition and weddings to pay for. In these pages find information to help you make a wise decision when you need to spend big money. Find tips and advice about what to look for, and the things to consider before making your purchase.

Loans - Few areas of credit are as complicated today as that of loans. From overdrafts and credit cards to mortgages, there are many types, with lots of terms, complicated conditions, and fine print. But studying those options is important in order to make the best long-term choice for fundig some large projects.

Taxes - Taxes are a fact of life and a fact to consider in before taking many financial decisions. Wherever you live, you should learn how to calculate your taxes, returns, fill tax forms and which deductions you can make.

Debt handling - There is planned debt, and there is debt. Think forward and try to avoid any debt. And if you are already in debt, use this tips to avoid falling into the debt trap and prevent the aggravation of a bad credit history.

Money may not bring happiness, but lack of it does bring misery.