Personal financial planning is not a new concept. We all do financial planning for different requirements. It's just when you do it in a structured way then you have to look at your financial life holistically and understand the impact of your financial decisions on each other. Your financial goals are part of your personal goals. Many people are determined to achieve their dreams of say a big house or a superfluous car, but have no idea of the means of getting there. And the fact is lacking knowledge about managing personal finances and poor skills in managing money can lead to detrimental living conditions, let alone realizing these great goals. This book is essential for each and every one, be it a school-going kid, high school or college student, working professional, businessperson or a retired citizen who wants to learn on how to manage their finances in order to live a comfortable and secure life. The more early you begin to manage your money the better it is. The book will help you to understand the difference between needs and wants and when to spend on what we really need to avoid losing count of how much we spent. We all possibly have fallen victim of improper personal financial planning but it is never too late to reexamine ourselves and shape the future of the financial life we want for ourselves and those close to us. This book provides you with an insight into how to manage your cash flow, savings, debt, investment, retirement; estate planning and other aspects to money management to enable you achieve your financial wellness and stability.