Personal Finance and Financial Literacy – This course introduces students to the foundational principles of personal finance, with a focus on financial literacy, budgeting, goal setting, and understanding income. Students will learn how to manage money effectively, explore various sources of income, and develop smart spending habits. Topics include setting SMART goals, building savings, and understanding the importance of credit. The course emphasizes practical skills that prepare students to make informed financial decisions in real-world scenarios. By the end of the course, students will have the tools to take control of their personal finances and develop confidence in managing money responsibly.