💵 Financial Literacy & Money Management *coming soon
- 1. 1.1 – What Is Money? Understanding Its Purpose 00:00:00
- 2. 1.2 – The History and Evolution of Money 00:00:00
- 3. 1.3 – Needs vs. Wants: Making the Distinction 00:00:00
- 4. 1.4 – How Money Flows in and Out of Daily Life 00:00:00
- 5. 1.5 – Earning Money: Wages, Jobs, and Allowances 00:00:00
- 6. 1.6 – Recognizing the Value of Time and Work 00:00:00
- 7. 1.7 – The Role of Money in Meeting Basic Needs 00:00:00
- 8. 1.8 – Understanding the Concept of Currency and Exchange 00:00:00
- 9. 1.9 – Identifying the Emotional Impact of Money 00:00:00
- 10. 1.10 – Defining Financial Goals for Short and Long-Term 00:00:00
- 11. 1.11 – How Choices Affect Financial Health 00:00:00
- 12. 1.12 – Consequences of Overspending 00:00:00
- 13. 1.13 – Introduction to Saving and Delayed Gratification 00:00:00
- 14. 1.14 – How Financial Decisions Impact Independence 00:00:00
- 15. 1.15 – Reflecting on Personal Money Beliefs and Habits 00:00:00
- 1. 2.1 – What Is a Budget and Why Does It Matter? 00:00:00
- 2. 2.2 – The 50/30/20 Rule for Managing Income 00:00:00
- 3. 2.3 – Identifying Monthly Income and Expenses 00:00:00
- 4. 2.4 – Tracking Spending Habits 00:00:00
- 5. 2.5 – Categorizing Needs, Wants, and Savings 00:00:00
- 6. 2.6 – Creating a Simple Monthly Budget 00:00:00
- 7. 2.7 – Learning to Adjust Budgets During Change 00:00:00
- 8. 2.8 – Setting Savings Goals within Your Budget 00:00:00
- 9. 2.9 – How to Stick to a Budget Without Feeling Restricted 00:00:00
- 10. 2.10 – Common Budgeting Mistakes to Avoid 00:00:00
- 11. 2.11 – Tools and Apps for Budgeting Support 00:00:00
- 12. 2.12 – Revisiting and Updating Your Budget Regularly 00:00:00
- 13. 2.13 – Planning for Seasonal or Irregular Expenses 00:00:00
- 14. 2.14 – How Budgeting Reduces Stress and Builds Control 00:00:00
- 15. 2.15 – Practicing Budgeting with Real-Life Scenarios 00:00:00
- 1. 3.1 – What Is a Bank and What Does It Do? 00:00:00
- 2. 3.2 – Differences Between Checking and Savings Accounts 00:00:00
- 3. 3.3 – How to Open and Manage a Bank Account 00:00:00
- 4. 3.4 – Understanding Debit Cards and Bank Fees 00:00:00
- 5. 3.5 – Learning to Use ATMs Safely and Wisely 00:00:00
- 6. 3.6 – Online Banking Basics and How to Stay Safe 00:00:00
- 7. 3.7 – Reading and Understanding Bank Statements 00:00:00
- 8. 3.8 – Setting Up Direct Deposit and Auto-Pay 00:00:00
- 9. 3.9 – Managing Cash Flow Between Accounts 00:00:00
- 10. 3.10 – Identifying and Avoiding Overdraft Fees 00:00:00
- 11. 3.11 – Mobile Banking and Financial Apps 00:00:00
- 12. 3.12 – FDIC Insurance and Why It Matters 00:00:00
- 13. 3.13 – How to Choose the Right Bank for You 00:00:00
- 14. 3.14 – Recognizing Banking Scams and Fraud 00:00:00
- 15. 3.15 – Practicing Real-World Banking Tasks 00:00:00
- 1. 4.1 – What Is Credit and Why Is It Important? 00:00:00
- 2. 4.2 – How Credit Cards Work: Basics and Benefits 00:00:00
- 3. 4.3 – Understanding Interest and Minimum Payments 00:00:00
- 4. 4.4 – When and Why to Use Credit 00:00:00
- 5. 4.5 – How to Read a Credit Card Statement 00:00:00
- 6. 4.6 – What Is Debt? Good Debt vs. Bad Debt 00:00:00
- 7. 4.7 – Warning Signs of Problem Debt 00:00:00
- 8. 4.8 – Strategies for Paying Off Debt 00:00:00
- 9. 4.9 – Understanding Your Rights as a Borrower 00:00:00
- 10. 4.10 – How Missed Payments Affect Your Credit 00:00:00
- 11. 4.11 – Exploring Debt Consolidation Options 00:00:00
- 12. 4.12 – Credit Utilization and Its Role in Credit Scores 00:00:00
- 13. 4.13 – Avoiding Predatory Lending Practices 00:00:00
- 14. 4.14 – Debt and Mental Health: Staying in Control 00:00:00
- 15. 4.15 – Creating a Plan to Use Credit Responsibly 00:00:00
- 1. 5.1 – What Is a Loan and Why Do People Use Them? 00:00:00
- 2. 5.2 – Types of Loans: Student, Personal, Auto, and More 00:00:00
- 3. 5.3 – The Role of Interest Rates in Loan Costs 00:00:00
- 4. 5.4 – Understanding APR and Compound Interest 00:00:00
- 5. 5.5 – How Loan Repayment Works Over Time 00:00:00
- 6. 5.6 – Reading a Loan Agreement: Key Terms 00:00:00
- 7. 5.7 – Creating a Repayment Plan Before Borrowing 00:00:00
- 8. 5.8 – Impact of Late Payments on Loans 00:00:00
- 9. 5.9 – Exploring Low-Interest and Government Loan Options 00:00:00
- 10. 5.10 – Loan Forgiveness and Hardship Programs 00:00:00
- 11. 5.11 – Navigating Student Loan Repayment Options 00:00:00
- 12. 5.12 – What Happens if You Default on a Loan 00:00:00
- 13. 5.13 – How to Refinance a Loan 00:00:00
- 14. 5.14 – Long-Term Impact of Loan Decisions 00:00:00
- 15. 5.15 – Real-Life Loan Scenarios and Decision-Making Practice 00:00:00
- 1. 6.1 – What Is a Credit Score and How Is It Calculated? 00:00:00
- 2. 6.2 – The Role of Credit Reports in Your Financial Life 00:00:00
- 3. 6.3 – How to Check and Monitor Your Credit Score 00:00:00
- 4. 6.4 – Understanding Credit Inquiries and Score Drops 00:00:00
- 5. 6.5 – Building Credit Without Going into Debt 00:00:00
- 6. 6.6 – Using Secured Credit Cards to Build Credit 00:00:00
- 7. 6.7 – The Impact of Payment History on Your Score 00:00:00
- 8. 6.8 – Keeping Credit Utilization Low 00:00:00
- 9. 6.9 – How Long It Takes to Build Good Credit 00:00:00
- 10. 6.10 – Credit Mistakes That Lower Your Score 00:00:00
- 11. 6.11 – How to Dispute Credit Report Errors 00:00:00
- 12. 6.12 – Identity Theft and Credit Protection 00:00:00
- 13. 6.13 – Using Credit Building Loans 00:00:00
- 14. 6.14 – Teaching Youth to Start Early with Good Credit Habits 00:00:00
- 15. 6.15 – Maintaining Good Credit During Financial Hardship 00:00:00
- 1. 7.1 – How Advertising Affects Your Spending Habits 00:00:00
- 2. 7.2 – Understanding the True Cost of Purchases 00:00:00
- 3. 7.3 – Avoiding Impulse Buying 00:00:00
- 4. 7.4 – Learning to Compare Prices and Shop Smart 00:00:00
- 5. 7.5 – Reading Labels and Contracts Before Buying 00:00:00
- 6. 7.6 – Evaluating Needs vs. Wants in the Moment 00:00:00
- 7. 7.7 – Strategies for Delayed Gratification 00:00:00
- 8. 7.8 – Practicing Frugal Living Without Sacrificing Quality 00:00:00
- 9. 7.9 – Identifying High-Risk Spending Triggers 00:00:00
- 10. 7.10 – Buying Used vs. New: Pros and Cons 00:00:00
- 11. 7.11 – Planning for Big Purchases with Research 00:00:00
- 12. 7.12 – Using Coupons and Loyalty Programs 00:00:00
- 13. 7.13 – Understanding Buy Now, Pay Later Services 00:00:00
- 14. 7.14 – Consumer Rights and Returning Items 00:00:00
- 15. 7.15 – Building a Smart Shopping Routine 00:00:00
- 1. 8.1 – What Is an Emergency Fund and Why It Matters 00:00:00
- 2. 8.2 – Identifying Unexpected Expenses 00:00:00
- 3. 8.3 – Starting an Emergency Fund with Limited Income 00:00:00
- 4. 8.4 – Prioritizing Emergencies Over Luxuries 00:00:00
- 5. 8.5 – Planning for Medical and Auto Emergencies 00:00:00
- 6. 8.6 – How to Adjust Your Budget for Emergencies 00:00:00
- 7. 8.7 – Protecting Your Housing and Utilities First 00:00:00
- 8. 8.8 – Accessing Emergency Financial Assistance 00:00:00
- 9. 8.9 – Strategies for Handling Financial Crisis 00:00:00
- 10. 8.10 – Keeping Emergency Cash or Prepaid Options 00:00:00
- 11. 8.11 – How to Use Insurance During Emergencies 00:00:00
- 12. 8.12 – Communicating with Creditors During Crisis 00:00:00
- 13. 8.13 – Building Emergency Plans with Family 00:00:00
- 14. 8.14 – Reviewing Emergency Plans Annually 00:00:00
- 15. 8.15 – Learning from Past Emergencies to Plan Better 00:00:00
- 1. 9.1 – What Is Investing and Why Should You Start? 00:00:00
- 2. 9.2 – Basic Types of Investments: Stocks, Bonds, Funds 00:00:00
- 3. 9.3 – Risk vs. Reward in Investing 00:00:00
- 4. 9.4 – Setting Long-Term Financial Goals 00:00:00
- 5. 9.5 – Understanding Compound Growth 00:00:00
- 6. 9.6 – What Is Retirement and How to Prepare 00:00:00
- 7. 9.7 – Starting Small with Micro-Investing 00:00:00
- 8. 9.8 – How to Open a Retirement Account (IRA, 401k) 00:00:00
- 9. 9.9 – Diversifying Your Investment Portfolio 00:00:00
- 10. 9.10 – Managing Investment Emotions 00:00:00
- 11. 9.11 – Protecting Investments from Scams 00:00:00
- 12. 9.12 – Time Horizon and Life Stages of Investing 00:00:00
- 13. 9.13 – Tracking Investment Progress 00:00:00
- 14. 9.14 – Talking to a Financial Advisor 00:00:00
- 15. 9.15 – Creating a Vision Board for Future Wealth 00:00:00
- 1. 10.1 – Understanding Your Money Personality 00:00:00
- 2. 10.2 – Developing Daily Money Habits 00:00:00
- 3. 10.3 – Choosing Tools for Managing Money 00:00:00
- 4. 10.4 – Building a Weekly Financial Routine 00:00:00
- 5. 10.5 – Setting Financial Boundaries with Others 00:00:00
- 6. 10.6 – Creating a Financial Calendar 00:00:00
- 7. 10.7 – Tracking Multiple Income Sources 00:00:00
- 8. 10.8 – Setting Up Automatic Transfers and Reminders 00:00:00
- 9. 10.9 – Organizing Financial Documents 00:00:00
- 10. 10.10 – Making Financial Decisions Independently 00:00:00
- 11. 10.11 – Staying Motivated with Rewards and Milestones 00:00:00
- 12. 10.12 – Teaching Others About Your System 00:00:00
- 13. 10.13 – Reviewing and Improving Your System Monthly 00:00:00
- 14. 10.14 – Using Your System to Prepare for Big Goals 00:00:00
- 15. 10.15 – Celebrating Financial Independence Milestones 00:00:00
Course overview
Lesson Overview
2.8 – Setting Savings Goals within Your Budget: Savings goals give your money a purpose so you stay motivated when deciding to wait instead of spending right away. You can save for fun things like a trip or a new device, or for important needs like emergencies or future plans. Including savings in your budget means paying yourself first and treating your future like a priority. Goals become easier to reach when you break them into steps, like saving a certain amount each week or month. Watching your savings grow builds excitement and pride in your progress. This habit strengthens your independence by proving that you can stick to a plan and create opportunities for yourself.
About this course
Practical skills to manage money wisely, build financial stability, and make informed financial decisions.
This course includes:
- Budgeting templates and expense tracking tools
- Credit building and debt reduction guides
- Introductory investing and savings strategy resources