💵 Financial Literacy & Money Management

Course content

• Section
  1

  Section 1 – Understanding the Value of Money and Basic Financial Concepts

  • 15 live classes
  • 00:00:00
  • 1.1 – What Is Money? Understanding Its Purpose 00:00:00
  • 1.2 – The History and Evolution of Money 00:00:00
  • 1.3 – Needs vs. Wants: Making the Distinction 00:00:00
  • 1.4 – How Money Flows in and Out of Daily Life 00:00:00
  • 1.5 – Earning Money: Wages, Jobs, and Allowances 00:00:00
  • 1.6 – Recognizing the Value of Time and Work 00:00:00
  • 1.7 – The Role of Money in Meeting Basic Needs 00:00:00
  • 1.8 – Understanding the Concept of Currency and Exchange 00:00:00
  • 1.9 – Identifying the Emotional Impact of Money 00:00:00
  • 1.10 – Defining Financial Goals for Short and Long-Term 00:00:00
  • 1.11 – How Choices Affect Financial Health 00:00:00
  • 1.12 – Consequences of Overspending 00:00:00
  • 1.13 – Introduction to Saving and Delayed Gratification 00:00:00
  • 1.14 – How Financial Decisions Impact Independence 00:00:00
  • 1.15 – Reflecting on Personal Money Beliefs and Habits 00:00:00

• Section
  2

  Section 2 – Budgeting Skills: Planning for Needs, Wants, and Savings

  • 15 live classes
  • 00:00:00
  • 2.1 – What Is a Budget and Why Does It Matter? 00:00:00
  • 2.2 – The 50/30/20 Rule for Managing Income 00:00:00
  • 2.3 – Identifying Monthly Income and Expenses 00:00:00
  • 2.4 – Tracking Spending Habits 00:00:00
  • 2.5 – Categorizing Needs, Wants, and Savings 00:00:00
  • 2.6 – Creating a Simple Monthly Budget 00:00:00
  • 2.7 – Learning to Adjust Budgets During Change 00:00:00
  • 2.8 – Setting Savings Goals within Your Budget 00:00:00
  • 2.9 – How to Stick to a Budget Without Feeling Restricted 00:00:00
  • 2.10 – Common Budgeting Mistakes to Avoid 00:00:00
  • 2.11 – Tools and Apps for Budgeting Support 00:00:00
  • 2.12 – Revisiting and Updating Your Budget Regularly 00:00:00
  • 2.13 – Planning for Seasonal or Irregular Expenses 00:00:00
  • 2.14 – How Budgeting Reduces Stress and Builds Control 00:00:00
  • 2.15 – Practicing Budgeting with Real-Life Scenarios 00:00:00

• Section
  3

  Section 3 – Banking Basics: Checking, Savings, and Digital Accounts

  • 15 live classes
  • 00:00:00
  • 3.1 – What Is a Bank and What Does It Do? 00:00:00
  • 3.2 – Differences Between Checking and Savings Accounts 00:00:00
  • 3.3 – How to Open and Manage a Bank Account 00:00:00
  • 3.4 – Understanding Debit Cards and Bank Fees 00:00:00
  • 3.5 – Learning to Use ATMs Safely and Wisely 00:00:00
  • 3.6 – Online Banking Basics and How to Stay Safe 00:00:00
  • 3.7 – Reading and Understanding Bank Statements 00:00:00
  • 3.8 – Setting Up Direct Deposit and Auto-Pay 00:00:00
  • 3.9 – Managing Cash Flow Between Accounts 00:00:00
  • 3.10 – Identifying and Avoiding Overdraft Fees 00:00:00
  • 3.11 – Mobile Banking and Financial Apps 00:00:00
  • 3.12 – FDIC Insurance and Why It Matters 00:00:00
  • 3.13 – How to Choose the Right Bank for You 00:00:00
  • 3.14 – Recognizing Banking Scams and Fraud 00:00:00
  • 3.15 – Practicing Real-World Banking Tasks 00:00:00

• Section
  4

  Section 4 – Credit and Debt: How They Work and How to Manage Them

  • 15 live classes
  • 00:00:00
  • 4.1 – What Is Credit and Why Is It Important? 00:00:00
  • 4.2 – How Credit Cards Work: Basics and Benefits 00:00:00
  • 4.3 – Understanding Interest and Minimum Payments 00:00:00
  • 4.4 – When and Why to Use Credit 00:00:00
  • 4.5 – How to Read a Credit Card Statement 00:00:00
  • 4.6 – What Is Debt? Good Debt vs. Bad Debt 00:00:00
  • 4.7 – Warning Signs of Problem Debt 00:00:00
  • 4.8 – Strategies for Paying Off Debt 00:00:00
  • 4.9 – Understanding Your Rights as a Borrower 00:00:00
  • 4.10 – How Missed Payments Affect Your Credit 00:00:00
  • 4.11 – Exploring Debt Consolidation Options 00:00:00
  • 4.12 – Credit Utilization and Its Role in Credit Scores 00:00:00
  • 4.13 – Avoiding Predatory Lending Practices 00:00:00
  • 4.14 – Debt and Mental Health: Staying in Control 00:00:00
  • 4.15 – Creating a Plan to Use Credit Responsibly 00:00:00

• Section
  5

  Section 5 – Understanding Loans, Interest Rates, and Repayment Plans

  • 15 live classes
  • 00:00:00
  • 5.1 – What Is a Loan and Why Do People Use Them? 00:00:00
  • 5.2 – Types of Loans: Student, Personal, Auto, and More 00:00:00
  • 5.3 – The Role of Interest Rates in Loan Costs 00:00:00
  • 5.4 – Understanding APR and Compound Interest 00:00:00
  • 5.5 – How Loan Repayment Works Over Time 00:00:00
  • 5.6 – Reading a Loan Agreement: Key Terms 00:00:00
  • 5.7 – Creating a Repayment Plan Before Borrowing 00:00:00
  • 5.8 – Impact of Late Payments on Loans 00:00:00
  • 5.9 – Exploring Low-Interest and Government Loan Options 00:00:00
  • 5.10 – Loan Forgiveness and Hardship Programs 00:00:00
  • 5.11 – Navigating Student Loan Repayment Options 00:00:00
  • 5.12 – What Happens if You Default on a Loan 00:00:00
  • 5.13 – How to Refinance a Loan 00:00:00
  • 5.14 – Long-Term Impact of Loan Decisions 00:00:00
  • 5.15 – Real-Life Loan Scenarios and Decision-Making Practice 00:00:00

• Section
  6

  Section 6 – Building and Protecting Good Credit Over Time

  • 15 live classes
  • 00:00:00
  • 6.1 – What Is a Credit Score and How Is It Calculated? 00:00:00
  • 6.2 – The Role of Credit Reports in Your Financial Life 00:00:00
  • 6.3 – How to Check and Monitor Your Credit Score 00:00:00
  • 6.4 – Understanding Credit Inquiries and Score Drops 00:00:00
  • 6.5 – Building Credit Without Going into Debt 00:00:00
  • 6.6 – Using Secured Credit Cards to Build Credit 00:00:00
  • 6.7 – The Impact of Payment History on Your Score 00:00:00
  • 6.8 – Keeping Credit Utilization Low 00:00:00
  • 6.9 – How Long It Takes to Build Good Credit 00:00:00
  • 6.10 – Credit Mistakes That Lower Your Score 00:00:00
  • 6.11 – How to Dispute Credit Report Errors 00:00:00
  • 6.12 – Identity Theft and Credit Protection 00:00:00
  • 6.13 – Using Credit Building Loans 00:00:00
  • 6.14 – Teaching Youth to Start Early with Good Credit Habits 00:00:00
  • 6.15 – Maintaining Good Credit During Financial Hardship 00:00:00

• Section
  7

  Section 7 – Smart Spending: Making Informed Consumer Choices

  • 15 live classes
  • 00:00:00
  • 7.1 – How Advertising Affects Your Spending Habits 00:00:00
  • 7.2 – Understanding the True Cost of Purchases 00:00:00
  • 7.3 – Avoiding Impulse Buying 00:00:00
  • 7.4 – Learning to Compare Prices and Shop Smart 00:00:00
  • 7.5 – Reading Labels and Contracts Before Buying 00:00:00
  • 7.6 – Evaluating Needs vs. Wants in the Moment 00:00:00
  • 7.7 – Strategies for Delayed Gratification 00:00:00
  • 7.8 – Practicing Frugal Living Without Sacrificing Quality 00:00:00
  • 7.9 – Identifying High-Risk Spending Triggers 00:00:00
  • 7.10 – Buying Used vs. New: Pros and Cons 00:00:00
  • 7.11 – Planning for Big Purchases with Research 00:00:00
  • 7.12 – Using Coupons and Loyalty Programs 00:00:00
  • 7.13 – Understanding Buy Now, Pay Later Services 00:00:00
  • 7.14 – Consumer Rights and Returning Items 00:00:00
  • 7.15 – Building a Smart Shopping Routine 00:00:00

• Section
  8

  Section 8 – Planning for Emergencies and Unexpected Expenses

  • 15 live classes
  • 00:00:00
  • 8.1 – What Is an Emergency Fund and Why It Matters 00:00:00
  • 8.2 – Identifying Unexpected Expenses 00:00:00
  • 8.3 – Starting an Emergency Fund with Limited Income 00:00:00
  • 8.4 – Prioritizing Emergencies Over Luxuries 00:00:00
  • 8.5 – Planning for Medical and Auto Emergencies 00:00:00
  • 8.6 – How to Adjust Your Budget for Emergencies 00:00:00
  • 8.7 – Protecting Your Housing and Utilities First 00:00:00
  • 8.8 – Accessing Emergency Financial Assistance 00:00:00
  • 8.9 – Strategies for Handling Financial Crisis 00:00:00
  • 8.10 – Keeping Emergency Cash or Prepaid Options 00:00:00
  • 8.11 – How to Use Insurance During Emergencies 00:00:00
  • 8.12 – Communicating with Creditors During Crisis 00:00:00
  • 8.13 – Building Emergency Plans with Family 00:00:00
  • 8.14 – Reviewing Emergency Plans Annually 00:00:00
  • 8.15 – Learning from Past Emergencies to Plan Better 00:00:00

• Section
  9

  Section 9 – Introduction to Investing, Retirement, and Long-Term Goals

  • 15 live classes
  • 00:00:00
  • 9.1 – What Is Investing and Why Should You Start? 00:00:00
  • 9.2 – Basic Types of Investments: Stocks, Bonds, Funds 00:00:00
  • 9.3 – Risk vs. Reward in Investing 00:00:00
  • 9.4 – Setting Long-Term Financial Goals 00:00:00
  • 9.5 – Understanding Compound Growth 00:00:00
  • 9.6 – What Is Retirement and How to Prepare 00:00:00
  • 9.7 – Starting Small with Micro-Investing 00:00:00
  • 9.8 – How to Open a Retirement Account (IRA, 401k) 00:00:00
  • 9.9 – Diversifying Your Investment Portfolio 00:00:00
  • 9.10 – Managing Investment Emotions 00:00:00
  • 9.11 – Protecting Investments from Scams 00:00:00
  • 9.12 – Time Horizon and Life Stages of Investing 00:00:00
  • 9.13 – Tracking Investment Progress 00:00:00
  • 9.14 – Talking to a Financial Advisor 00:00:00
  • 9.15 – Creating a Vision Board for Future Wealth 00:00:00

• Section
  10

  Section 10 – Creating a Personal Money Management System for Independence

  • 15 live classes
  • 00:00:00
  • 10.1 – Understanding Your Money Personality 00:00:00
  • 10.2 – Developing Daily Money Habits 00:00:00
  • 10.3 – Choosing Tools for Managing Money 00:00:00
  • 10.4 – Building a Weekly Financial Routine 00:00:00
  • 10.5 – Setting Financial Boundaries with Others 00:00:00
  • 10.6 – Creating a Financial Calendar 00:00:00
  • 10.7 – Tracking Multiple Income Sources 00:00:00
  • 10.8 – Setting Up Automatic Transfers and Reminders 00:00:00
  • 10.9 – Organizing Financial Documents 00:00:00
  • 10.10 – Making Financial Decisions Independently 00:00:00
  • 10.11 – Staying Motivated with Rewards and Milestones 00:00:00
  • 10.12 – Teaching Others About Your System 00:00:00
  • 10.13 – Reviewing and Improving Your System Monthly 00:00:00
  • 10.14 – Using Your System to Prepare for Big Goals 00:00:00
  • 10.15 – Celebrating Financial Independence Milestones 00:00:00