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From antiquity to modernization, the budget is portrayed as one of the main factors in economic and social life. This paper analyzes the relationship between education and budget management as a necessity for well-being and financial stability. This shows that the use of knowledge during the budget cycle management depends on the education and combination of many factors coming from the environment where the individual or family operates. Here it is explained how Cluster and MDS analysis in interaction with other statistical tests explain the similarities or the differences between the observation groups from Kosovo, Western Balkan countries and European Countries (KO & EU & WBC), related to emergency funds, saving, registration of transactions of revenues or expenditures, financial decision-making, control and budgetary practices. The research is argued from empirical findings giving a new approach through detailed recommendations for variables of observation groups on the personal budget.

Budget Education and Management as a Necessity for Well-Being and Financial Stability: Cluster & MDS Analysis