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Introduction In today’s ever-changing world, grasping the principles of personal finance is crucial to attaining financial security and independence. Whether are starting out or aiming to refine your financial habits, developing money-smart practices can enable you to manage your money better. In this guide, we’ll dive deep into key areas of personal finance, offering advice to help you succeed. Body Content 1. Creating a Budget: The First Step Towards Financial Control Setting up a financial plan is the foundation of personal finance. By