1. Budgeting and Cash Flow Management
a) What are the steps to creating an effective personal budget?
b) How can you differentiate between fixed, variable, and c) discretionary expenses in your budget?
d) Why is it important to track your monthly income and expenses?
e) What tools or apps can help you manage your budget effectively?
f) How would you adjust your budget if your income decreases unexpectedly?
g) What are some strategies to manage irregular income or expenses?

2. Saving and Emergency Fund
a) What is the recommended percentage of your income to save each month?
b) Why is it important to have an emergency fund, and how much should it typically cover?
c) How can you prioritize saving when you have limited income?
d) What are high-yield savings accounts, and how do they benefit your savings?
e) How can you automate your savings to ensure consistency?
f) What are some effective ways to build an emergency fund quickly?