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Personal finance can be simply put into words as the application of the doctrines or principles of finance to the fiscal decisions of an individual or family. Personal finance also addresses the ways in which individuals or families get, budget, save, and spend monetary resources over time. Personal finance also take into account the various financial risks and future life events. Elements of personal finance might involve checking and savings accounts, credit cards, other instruments and consumer loans, investments in the stock market & derivative market, retirement plans, salary structure, social security fringe benefits, insurance policies, and also income tax management.
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