THE IMPORTANCE OF HUMAN BEHAVIOR IN EFFECTIVE MONEY MANAGEMENT

This article discusses the importance of human behavior in effective money management, emphasizing that the success of financial management is not solely dependent on financial knowledge but also on an individual's psychological state, emotional reactions, and personal traits in decision-making processes. The article also analyzes factors such as financial literacy, personal discipline, and cognitive biases, exploring the psychological and practical approaches necessary for effective money management. It emphasizes the importance of understanding one's own behavior and making financial decisions accordingly to prevent ineffective money management and achieve success.