The document discusses various topics related to personal finance including money management skills, budgeting, comparative shopping, tracking spending, and financial planning. It provides exercises to help readers list their spending, categorize needs vs wants, complete shopping comparisons, and create personal budgets allocating percentages of income to expenses. Financial terms are defined such as comparative shopping, budget, and investments. Steps of financial planning are outlined including establishing goals, gathering data, analyzing, developing and implementing a plan, and monitoring it.