CREATESPACE Personal Financial Management: A Handbook for Personal Financial Management

The aim of book is to introduce the concept of personal financial management and to ex-plainthe most common financial instruments. The study is motivated by three questions: (1) whatis persona finance and how to management personal finance? (2) what are the commonpersonal finance investment tools? (3) how to practice the tangible investment-real estate?The majority personal finance literatures are writing about English speaking market. Very fewEnglish version can be found discussing about Finnish financial market. Therefore, the studyof this book can advance the understand of Finnish financial market for personal finance. Toanswer the proposing questions, a serial of literature studies has been conducted, as well asmysterious customer visit in local financial institutions. The data used in the paper is frombooks, and online sources of authorities and national institutes.The findings from the study are that individuals should learn how to practice personal financialmanagement. They are ought to build up a health financial habit, for instance saving asearly as possible for better financial achievements. During the personal financial management,individuals should always have goals both for long term and short term, and monitortheir own performance, then adjust the plan for the financial management.