Finance literacy is a core life skill especially in this day and age when Children are growing up in a highly complex world. This training workbook introduces more practical knowledge, skills and tools around money, personal Finance, savings Personal budgeting, money wastage, growing money personal finance planning among others. Objectives of the workbook: 1. To help the young adults appreciate the fact that money does not come easy. 2. To train teenagers to be better money managers from an early age. 3. To make young people aware of their spending patterns and the temptations to spend much money on wants. This helps them cultivate a culture of saving from an early age. 4. To prepare young adults for real world realities in finances which will greatly improve many other aspects of their lives. 5. To help young people break their parents and guardians cycle of poor money management and hence set financial goals and start developing plans for realizing those goals early in life.