People often do not fully understand the consequences of their choices when it comes to their money; leaving them vulnerable to overspending and financial crises. Financial literacy contributes to alleviating this problem. Good financial decision making has a positive influence on overall wellbeing; allowing people to maximise their opportunities and lead more fulfilling lives. Personal finance teaches individuals financial skills so that they can manage their money better. Personal finance encompasses many areas and core topics such as decision making; cash-flow management; savings; credit; debt; housing and planning for the future. Useful websites and appendices are provided for additional information and reading.