Do you know what your money is doing? Rapid economic changes in our global environment are directly affecting us all and compelling us to keep a close eye on our finances. Understanding your finances is crucial to keeping track of your cash flow so that you can manage your money and plan for the future. This series of practical courses is prepared in clear, conversational language and provides up-to-date and comprehensive guidelines for gathering data about your personal finances, identifying goals, and developing a workable plan. The focus of this series is learning about the tax implications that can affect various life-cycle issues, such as purchasing a house, funding education, managing the financial implications of divorce or separation, or planning for retirement. This "Planning Your Personal Finances" series will help you take charge of your own financial planning.