This course was designed for focus on those about to begin money management for the first time and/or those struggling with money management. It is not unusual for those new to money management to face paying added fees in overdraft charges for mishaps in banking transactions as well as not have enough information as needed to make more informed decisions regarding personal money management. Having knowledge of how to prepare in advance for forthcoming bills and expenses sounds like a simple concept, yet many find this challenging, particularly in cases where income amount is insufficient to cover bills and expenses or barely covers monthly amount needed. Also, in some cases, there are individuals who have significant income; however, some of these individuals find themselves overspending and therefore challenged with controlling expenses and budgeting. Based on research, billions of dollars are spent by consumers annually on overdraft fees as well as billions spent annually on late fees for credit card payments. Because there are sometimes unexpected occurrences in life that lead to devastating financial consequences, we should especially be as careful as possible with managing income with expenses and debt in general. So, it is very important to be knowledgeable and diligent in handling finances with planned spending in addition to having sufficient income for living expenses and various insurance plans for rainy days for successful personal money management. So, this course paves the way for successful personal money management through focus on use of consistent budgeting for "PLANNED AND CONTROLLED SPENDING," best money practices with banking and credit with consideration of increasing one's income if needed and if possible .