With global financial crisis and increasing household debt levels that already become problems for individuals in both developed and developing countries, personal financial planning has never been so important to address this issue. I guess the topics you suggested are all important and relevant. Also, I suggest you should give emphasis on cash flow budgets with the aim of achieving financial independence. The individuals need to be aware that it is important that they need to balance between the level of income that they generate and their life styles. Another, the idea of money as capital should be further emphasized. My two cents comment. Thank you.

Thank you sir for your valuable suggestion, budgeting is the one of the variable in this topic i have chosen sir.any another important variable i have left kindly give the suggestion sir.

you should also consider debt literacy

There are core Standards on financial literacy from the CEE. Here you find a description which subdomains are important.

You find more papers on my Profile.

Roland