Personal finance

Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.

Personal finance
Credit · Debt
Mortgage Car loan Charge card Credit card Unsecured personal loan Rent-to-own Student loan Pawn Title loan Payday loan Refund anticipation loan Refinancing Debt consolidation Debt rescheduling Bankruptcy
Employment contract
Salary Wage Salary packaging Employee stock ownership Employee benefits
Retirement
Pension Defined benefit Defined contribution Social pension Social security
Personal budget and investment
Financial planner Financial adviser Financial independence Estate planning Target date fund
See also
Bank Cooperative Credit union Universal basic income
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Part of a series on financial services
Banking
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Accounts · Cards Accounts Christmas club Deposit Money-market Savings Time deposit (Bond) Transaction (checking / current) Cards ATM Credit Debit
Funds transfer Electronic Bill payment Mobile Automated clearing house Cheque CIPS Giro SPFS SWIFT Wire
Terms Automated teller machine Bank regulation Loan Mobile banking Money creation Bank secrecy Ethical banking Fractional-reserve banking Full-reserve banking Islamic banking Private banking
Related topics Financial market (participants) Corporate finance Personal finance Public finance Financial law Financial regulation List of banks
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When planning personal finances, the individual would consider the suitability to their needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment in private equity, (companies' shares, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of and- or employer-sponsored retirement plans, social security benefits, and income tax management.