Personal Financial Management

Classmate responses should be on topic, original, and contribute to the quality of the discussion by making frequent informed references to lesson material. Response Posts: Minimum 50 words for each response post.

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AB104 – Personal Financial Management


Throughout this course you have been learning the importance of having good financial management.

Let’s have an open discussion about financial plans.

  • Will the financial plan you made be helpful in planning your future?
  • Give us your thoughts on the whole process and its benefits to you.


I feel the financial plan that I have established will benefit me in future years because I have learned the essentials behind investing and have become more familiar with how to properly budget. I have also found that with recording my expenditures in my daily log, I can have a clearer understanding of where every penny goes. By minimizing unnecessary spending, I can accumulate more savings which will be beneficial in years to come. Throughout the Workbook I have been given the opportunity to list my bills, seeing what they cost me throughout an entire year. Having the ability to see this on this spreadsheet, I can compare income and expenses. I have been astonished by the amount of money that accumulates without even realizing it. For instance, a little bit of money here and there turns out to be a lot of money altogether. I never considered this until working within this course.

Acknowledging that as I become older, my ability to perform certain duties will minimize while my expenses will most likely increase. Considering future medical conditions, medications, doctor visits or whatever else may come as I age. Therefore, generating savings now will allow me a more profitable future. Realizing the economy can change and income can vary as well, it is important to have a personal financial management plan to ensure we have stability and peace of mind in these economic times. Without having my financial plan set, it would be difficult to maintain during hardships. Ultimately, it is essential to thoroughly understand what money we have coming in and what money we have gone out. Depending upon our living situations, all people may vary, some can save more than others, but everyone can save something.

I feel a personal financial plan is beneficial because we can know what we can afford and what we should veer away from. Having this plan, one will be more prepared whether it be an emergency, a business trip, a sudden home repair or a medical emergency that insurance doesn’t quite cover, or even, a lay off or termination from a job, children school expenses and so much more. With ample reasons to save, with thinking about retirement, I can see where saving funds now would be helpful in the future, providing much stronger family support.

Thanks so much, friends! As this is our last discussion post together, I want you to know how much I have enjoyed being here apart of this amazing group of colleagues, working and learning together. It has been an absolute pleasure and I look forward to seeing you all again! Good luck to you, friends, finish strong! Feel free to connect with me on LinkedIn (G. Danyelle Morse), it would be fantastic to have you around! Take care and thanks for an excellent 10 weeks!



Hello and Farewell,

Will the financial plan you made be helpful in planning your future?

Yes, since I’ve started this course I’ve realized that I had to write another financial plan for my long and short term goals to help better plan for my future in a less stressful manner

Give us your thoughts on the whole process and its benefits to you.

I’ve learned a lot of helpful information that I can apply to my daily life and/or teach my children, my team, and organization for the youth, battered woman, and the homeless on the importance of saving; not just for rainy days but also of other purposes as well.

I would like to commend everyone that lasted the entire 10 weeks because it’s not easy dealing with everyday challenges or obstacles and still find time to focus on school work. It was truly a pleasure and a blessing to interact with you all.

Best Wishes,

Brittany Wells (Owens)

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