Financial control starts with one habit: knowing where your money goes. Money splits into income (what comes in — salary, business, interest) and expenses (what goes out). Expenses come in two kinds: needs (rent, food, utilities, medicine, school fees) and wants (eating out, subscriptions, gadgets). Neither is bad — but you can only make good choices once you can see the split. The goal isn't to spend nothing; it's to spend on purpose.

This course is educational, not personalised financial advice. For decisions about your specific situation, talk to a qualified financial adviser.