Financial Literacy (VAC)

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These notes help students understand basic financial concepts required for effective money management and informed decision-making in everyday life. The content explains topics related to 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐰𝐚𝐫𝐞𝐧𝐞𝐬𝐬, 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐞, 𝐬𝐚𝐯𝐢𝐧𝐠, 𝐛𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠, 𝐚𝐧𝐝 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐥𝐞 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠 in a simple and practical manner.

Prepared according to the 𝐃𝐞𝐥𝐡𝐢 𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐢𝐭𝐲 𝐕𝐀𝐂 𝐬𝐲𝐥𝐥𝐚𝐛𝐮𝐬, these notes cover important areas such as 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐬𝐲𝐬𝐭𝐞𝐦𝐬, 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬, 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐛𝐚𝐬𝐢𝐜𝐬, 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, 𝐭𝐚𝐱 𝐚𝐰𝐚𝐫𝐞𝐧𝐞𝐬𝐬, 𝐚𝐧𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 using clear explanations and real-life examples.

These hard copy notes are useful for 𝐞𝐱𝐚𝐦 𝐩𝐫𝐞𝐩𝐚𝐫𝐚𝐭𝐢𝐨𝐧, 𝐜𝐨𝐧𝐜𝐞𝐩𝐭𝐮𝐚𝐥 𝐜𝐥𝐚𝐫𝐢𝐭𝐲, and developing 𝐥𝐢𝐟𝐞-𝐥𝐨𝐧𝐠 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐤𝐢𝐥𝐥𝐬 that support responsible financial behaviour.

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