For many people, finances are an unsolvable Rubik's cube filled with anxiety. There are millions of Americans who live with the shackles of debt each day. We don’t teach children when they are young, the value of a good credit score. Many people have a hard time formatting and sticking to a budget. You can easily solve the finance puzzle with a little hard work, self-control, and the right tools. Today is a new day; you are taking the first steps to reclaiming your financial freedom.

Course Outline

MODULE 1
The Benefits of Budgeting
Getting Rid of Debt
Generating Savings
Reducing Stress and Anxiety
Lessening Family Conflicts
Knowledge Check

MODULE 2
What to Consider Before Creating a Budget
Understand Your Income
Determine a Budget Duration
Determine Expenses
Track What's Being Spent
Knowledge Check

MODULE 3
Types of Fixed Personal Expenses
Utility Bills
Housing Bills
Transportation
Debt Payments
Knowledge Check

MODULE 4
Types of Fluctuating Personal Expenses
Personal Care
Non-Fixed Transportation Costs
Entertainment
Eating Out
Knowledge Check

MODULE 5
Establish Your Goals
Short Term vs. Long Term
Be Realistic
Get Rid of Debt
Save for the Future
Knowledge Check

MODULE 6
Determine Where Cuts Can Be Made
Cut Bad Habits
Decrease Transportation Costs
Reduce Utility Bills
Decrease Entertainment Expenses
Knowledge Check

MODULE 7
Tools
Software
Phone Applications
The Envelope System
Expenditure Notebook
Knowledge Check

MODULE 8
Stick With Your Budget
Use Cash for Weekly Allowance
Accountability to Family or Friends
Set Up a Different Account for Savings
Remind Self of Benefit to Sticking With Budget
Knowledge Check

MODULE 9

Additional Ways to Make Money
Make and Sell Items
Sell Unused Items
Small Part-Time Job
Recycle for Money
Knowledge Check

MODULE 10
Paying Off Debt
Get Three Credit Reports
Start With Small Stuff and Work Your Way Up
Credit Card Hacks
Investigate Student Loan Repayment or Consolidation Options
Knowledge Check

ASSESSMENT
Post Test