Do we know what to do with our money? Many people spend more than they earn and think that their income is insufficient; however, the most worrying problem is, actually, that they spend more than they think. If you identify with this statement or think you are one of these people, this book is perfect for you. It will help you to consider your personal finances from a different perspective and examine them from another point of view. In this way, you will be able to understand and manage the complex language of the financial system. You will have a practical guide with which you develop your own financial culture and will be able to improve your quality of life. You will know when it is better to save or ask for credit in order to reach a goal. You will learn when and how to use a credit card correctly and not drown in debts. Most importantly: you will learn to save without stop spending and also generate a surplus to invest in your future.