By applying the knowledge and tools presented in this book, you will learn to manage money wisely and develop good financial habits; and these sound financial habits will in turn become your building blocks for a secure future. What are some of the benefits you will be getting? 1. Budgeting - this book provides you step-by-step guides to create your own personal financial statement. This is an important skill that even adults lack. It is also an often-used skill by Managers and Investors to understand a company's financial health. This will be a very useful tool for fundamental analysis for investment in stocks, mutual funds, REITs, bond funds and etc. 2. Home mortgage calculation - properties have always been perceived as one of the most lucrative investment assets. Especially for the newly graduated, you wish to have your own property soon. When you learn to calculate the cost in investing in a property (this website also provide you a free mortgage calculator under the Resources page), you'll understand the available investment options that will make your money grow. 3. Credit card debt - you will have your own credit card very soon when you join the workforce. It will make you a more responsible credit card user when you learn to calculate credit card debt. You will also learn many tips to manage your credit cards to prevent yourself from falling into the trap of excessive credit card usage. 4. Maximizing your career income - This is about learning other aspects of career success such as emotional intelligence (EQ). By doing so, you will greatly increase your career income. 5. Multiply your streams of income - besides your full time job, you can also increase your side income by learning ways to create mutiple streams of income without quitting your job.