💰 Personal Budgeting, Debt Payoff & Emergency Funds

A practical, no-jargon course to build a working monthly budget, crush your debt with a proven strategy, and grow an emergency fund and dated savings goal you can actually reach. The course is organized into 10 modules, ending with a final exam (pass mark 80%). It is independent, free exam-preparation training — not an official or accredited review course.

What you'll learn

• Why Money Management Matters
• Building Your First Monthly Budget
• Net Worth: Your One True Scorecard
• Sizing Your Emergency Fund
• Debt Snowball vs Avalanche
• Debt-to-Income (DTI) and How to Lower It
• Compound Interest: Your Most Powerful Ally
• Setting a Dated Savings Goal
• Cutting Expenses Without Misery
• Putting It Together: Your Financial Order of Operations

Learning objectives

• Build a complete monthly budget that assigns every dollar of income to a job using a simple, repeatable method.
• Calculate your net worth (assets minus liabilities) and track whether it grows each month.
• Size an emergency fund using both the essential-expenses and the months-of-runway methods.
• Choose between the debt snowball and debt avalanche strategies and build a payoff plan.
• Compute your debt-to-income (DTI) ratio and apply concrete tactics to lower it for lenders.
• Understand compound interest and how time turns small, consistent deposits into large balances.
• Set a specific, dated savings goal and back-solve the monthly amount needed to hit it.
• Run your own numbers confidently in the budgeting, debt, DTI, emergency-fund, net-worth, and savings calculators.