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Here are some statistics: Some 58% of Americans do not have a retirement plan in place for how they'll manage their finances … Ethics in Personal Finance Ethics in Personal Finance • • • • • Intro Why (or why A budget or spending plan is a road map for telling your money what to do each month. PERSONAL FINANCE Objective 1.01 Understand responsible earning, spending, savings, borrowing. The personal financial management includes budgeting, banking, tax, retirement planning. In the study by Deacon and Firebaugh (1988), personal financial management is defined as the set of behaviors performed regarding the planning, implementing, and evaluating involved in the areas of … Financial Management means planning, organizing, directing and controlling the financial activities such as procurement and utilization of funds of the enterprise. 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