Summary: Financial literacy is the ability to understand and effectively use various financial concepts, such as money management, budgeting, saving, investing, and debt. In the context of higher education, this skill is essential to help students make informed and sustainable financial decisions throughout their academic life and future professional careers.

Mastering basic concepts such as planning a monthly budget, avoiding over-indebtedness, understanding how credit and interest work, and understanding the importance of saving and building an emergency fund are essential steps to achieving financial stability.

In this workshop, participants will be invited to reflect on their financial habits, acquire practical tools to better manage their resources, and gain autonomy in making informed and responsible financial decisions.

Trainer: Natacha Silva holds a PhD in Applied Economics from the University of Santiago de Compostela, a Diploma of Advanced Studies (DEA) in Economics, specializing in Public Finance, and a Bachelor's degree in Management. She has been a university professor in Management and Economics since 2012. She has held positions in Management, including: Quality Director; Financial Director; Logistics Manager; and Trainer. She is the author and co-author of articles published in international conferences and double-blind peer-reviewed journals. She is currently an integrated member of UNIAG – Applied Management Research Unit, and a collaborating member of REMIT – Research on Economics, Management and Information Technologies. She also serves as a reviewer for peer-reviewed journals. She recently developed her research on projects receiving competitive funding from the European Union and is a member of the COST network.