People often ask me, ''What is the secret to being good with money?'' The answer I give is that there are a few basic financial habits that can really make a difference. Understanding money really does pay off. Understanding money means understanding how much money you have and where it goes. It means being in a position to make the most of what you've got. And it means protecting what's yours.No matter who you are or what you earn, it’s easier than you think to take control of your money. This handbook can help you to understand money better. Obviously it can’t provide detailed advice, because that depends on your personal circumstances, but it does contain loads of information that can help you to make your money work harder for you.