As you cannot live without oxygen likewise you cannot live without spending money. It is one of the hard facts of life. Spending Money is an integral and necessary part of our life. You cannot just stay away from it.

Let me ask you a couple of very easy questions. What’s your take on personal financial management? Is it important for you? Well for almost all of us personal financial management is important. We know this. But the irony of this fact is that hardly few of us take up to the task of managing