Ebook describes a healthy approach to personal finance and business in everyday life. Most of the materials, knowledge, information available today is based largely only on the theory. The fact that theoretical knowledge is essential for understanding the functioning of finance. Theory describes only the principles, rules which dominate the world of finance. However, a small part of the theoretical basis has a direct impact on the real and practical application in the real world, everyday life of each of us. As children we are not interested finances. We have no idea about the existence of some of the things. Loans, savings, money making, banks, financial institutions are not important for a child. But in everyone's life there comes a time when you have to move out without parent and just become independent. Sometimes we make decision alone without pressure from others. There are situations in life that compel man to become independent, for example, the death of parents, parents' divorce, rejection of the child by the parents, and many other situations. Regardless of the situation in which we find ourselves, sooner or later we collide with the true reality. In prehistoric times, finances were not as important in the everyday functioning of the world. However, at the present time without finance practically we can not survive. It is true that you can obtain food and live at random and without money. However, the decision of such a lifestyle depends only on you. In any other case, without money we will not survive. We need them to meet basic needs. Buy food, pay for an apartment or a house, pay for basic utility bills type of electricity, water, etc. Then, when you satisfy all the basic needs appeat next higher order. Education, entertainment, travel, relax for all we have to pay. The modern world is based on the money. How to handle them, how to raise them, how to keep them for longer you can read this in my ebook. Best regards Michael K.A