Financial literacy is the ability to understand and effectively use various financial skills, including personal budgeting, saving, investing, and debt management. It empowers individuals to make informed financial decisions, avoid common pitfalls, and achieve long-term financial stability. In today’s complex economic environment, financial literacy is essential for managing day-to-day expenses, planning for the future, and navigating financial challenges. This module will introduce key concepts and practical strategies to build a strong financial foundation.