Financial literacy is the ability to understand and manage personal finances effectively. It includes skills such as budgeting, saving, investing, and understanding credit and debt. Without financial literacy, individuals may struggle with money management, leading to financial stress and long-term

 Critical thinking is the ability to analyze information objectively, question assumptions, and make well-informed decisions. In today’s world, where misinformation spreads rapidly, strong critical thinking skills help individuals distinguish between facts and opinions. It enables people

Habits play a crucial role in shaping our daily lives, influencing our productivity, health, and overall well-being. According to psychology, habits are formed through a cycle known as the habit loop, which consists of three stages cue, routine, and reward. The cue triggers a specific behavior, the

Meditation is an ancient practice that promotes relaxation, focus, and self-awareness. It helps reduce stress by calming the mind and lowering cortisol levels, the hormone associated with stress. Regular meditation has been linked to improved concentration, emotional stability, and better decision-m