The Department of Commerce, in collaboration with the Department of Economics, Patna Women’s College (Autonomous), organized a virtual workshop on “Decoding Personal Finance Management: Smart Money Moves” on 30th July 2025. The session was conducted in association with Bellwether Associates, Gurugram, with the aim of equipping students with essential knowledge and practical tools to make informed financial decisions early in life. The session emphasized the importance of disciplined savings, encouraging participants to “spend what is left after saving” rather than the reverse. The Resource Person Mr. Brijesh Damodaran, Managing Partner – Bellwether Associate and Auxano Capital, Gurugram, highlighted the adverse effects of inflation on long-term budgets and explained how early investment benefits from the power of compounding. The discussion also focused on the consequences of delaying investment, demonstrating the significant opportunity loss that occurs even with a five-year delay. Participants were introduced to critical concepts like fund management, risk diversification, asset allocation, and the strategic use of the “Three-Bucket Strategy” for goal-based investing. Additionally, the session covered the relevance of the Rule of 72 and 114 in estimating investment growth, underscoring the importance of “time in the market” rather than trying to time the market. Risk management was emphasized, along with the necessity of having health and life insurance to stay focused on long-term financial goals. The Workshop included the segments for Q&A round and feedback. The session was moderated by Ananya Gupta, a Semester III student of B.Com (Accounting & Finance), and concluded with a Vote of Thanks delivered by Anu Shruti, Semester V, Department of Economics. The Workshop was attended by the students of Sem V of B. Com (Hons.) Accounting and Finance, B. Com (Hons.) Commerce Professional and B.A (Hons.) Economics. The session was attended by Dr. Soofia Fatima, Head – Department of Commerce, Dr. Zareen Fatima, Head – Department of Economics and all the teachers of Faculty of Commerce and Economics The event was highly informative and was appreciated by the participants for its relevance and clarity.