Accounting & Tax Help Academy
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Personal Financial Management

Build a practical system for everyday money decisions and long-term goals.

beginner
2h 24m12 lessons

Enrollment

$67.00

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  • Lifetime access
  • Progress tracking
  • Certificate from Accounting & Tax Help Academy

About this course

Build a personal financial system that connects your income, bills, savings, debt and goals. Learn to read paychecks, prepare a spending plan, manage cash-flow timing, compare bank accounts, build reserves and choose a realistic debt strategy. Explore insurance, investing fundamentals, workplace retirement benefits and major purchase decisions. Finish with a practical 90-day action plan supported by four printable worksheets and scenario-based knowledge checks.

Who this course is for

Adults organizing household finances, beginning earners, people rebuilding financial routines, and households preparing for a change in income or responsibilities. Examples address U.S. consumer and workplace systems. The material is general education, not an individualized investment, insurance, tax or legal recommendation.

What you'll learn

  • Prepare a dated net-worth snapshot and distinguish wealth from accessible cash.
  • Convert paycheck information into a realistic income and dated cash-flow plan.
  • Build, reconcile and adjust a spending plan that includes irregular expenses.
  • Compare bank costs and protections and establish purpose-specific reserves.
  • Inventory debt and explain the tradeoffs among repayment strategies and assistance options.
  • Evaluate insurance, investment and retirement terms using risk, cost and time horizon.
  • Compare major purchases by total cost and their effect on household liquidity.
  • Maintain secure records and implement a funded 90-day action plan with review checkpoints.

Course details

Level
beginner
Prerequisites
No prior finance course required. Basic addition, subtraction, percentages and willingness to use fictional or private household figures. A calculator and a paper or digital note-taking method are useful. Do not upload sensitive financial records or credentials for class activities.
What's included
  • 12 lessons
  • Progress tracking
  • Certificate of completion

Requirements

  • No prior finance course required; basic addition, subtraction and percentages.
  • Willingness to use fictional or private household figures for practice.
  • A calculator and a paper or digital note-taking method.

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Curriculum

  1. 01

    Lesson 1: Your Financial Starting Point and Goals

    Build a dated financial snapshot and turn personal priorities into measurable goals.

    12m
  2. 02

    Lesson 2: Understanding Income, Paychecks, and Cash-Flow Timing

    Distinguish gross pay from usable income and map money by the dates it arrives and leaves.

    12m
  3. 03

    Lesson 3: Building and Reviewing a Practical Spending Plan

    Allocate take-home income, include irregular costs, and reconcile planned amounts with actual results.

    12m
  4. 04

    Lesson 4: Choosing and Managing Bank Accounts

    Compare account costs and access while distinguishing insured deposits from investments.

    12m
  5. 05

    Lesson 5: Emergency Reserves and Planned Savings

    Separate financial shocks from predictable expenses and fund realistic savings targets.

    12m
  6. 06

    Lesson 6: Managing Debt and Choosing a Repayment Strategy

    Prioritize consequences, compare repayment methods, and evaluate help before committing.

    12m
  7. 07

    Lesson 7: Protecting Your Household with Insurance

    Compare premiums, deductibles, coverage limits, and exclusions against household risks.

    12m
  8. 08

    Lesson 8: Saving, Investing, Risk, and Fees

    Match money to its time horizon and explain diversification, compounding, and investment costs.

    12m
  9. 09

    Lesson 9: Retirement Accounts and Workplace Benefits

    Review retirement plan terms, matching contributions, vesting, and benefit records.

    12m
  10. 10

    Lesson 10: Making Major Purchases with Total-Cost Comparisons

    Compare purchase options using upfront costs, ongoing expenses, financing, and cash reserves.

    12m
  11. 11

    Lesson 11: Financial Records, Fraud Prevention, and Household Communication

    Create a secure record system and a practical routine for verifying requests and sharing responsibilities.

    12m
  12. 12

    Lesson 12: Putting Your Personal Financial Plan into Action

    Integrate the course tools into a funded 90-day plan with measurable review points.

    12m