In addition to budgeting and investing, managing debt is also an essential aspect of personal finance. High levels of debt, such as credit card debt or student loans, can hinder individuals from achieving their financial goals and negatively impact their credit score. Therefore, it's crucial to develop a debt repayment plan and stick to it to improve one's financial health. Google Analytics The role of the teacher is changing in the 21st century. Teachers must not only impart knowledge and skills, but also act as facilitators of learning, mentors, and guides. They must be adept at using technology, creating a positive learning environment, and fostering a love of learning in their students.