|Payment Options||Upfront & Payment Plans|
|Delivery||Online & Correspondence|
Learn how to make conscious decisions about spending and saving so you can take full control of your financial future. This course will teach you the principles of investing, debt elimination, and retirement planning.
Ever get frustrated that you never seem to get ahead? Are you and your family constantly arguing about money? Do you ever wonder where your money went last month? Do you have trouble saving money? Want to work on paying down your debt, but don't know where to find the money? This course will teach you the very basics of how to get control of your finances rather than letting them control you. It is the help you need before learning about investing, debt elimination, retirement or college planning. There aren't many places that you can go to learn these principles, so take advantage of this opportunity to learn online.
Start to make conscious decisions about spending and saving. Find out where your money goes. Make your own informed choices about where you want it to go. Learn how to fund your dreams and how to save money for everything from emergencies to vacations. If you have ever felt lost about where to start working on your finances, this course is for you. You can't afford not to take this course and change your habits. This course is an investment in your future and you will save the cost of the course many times over by applying what you learn.
What you will learn
How you will benefit
Why know where all your money goes? This lesson will inspire you to take this course and find out the answer! This lesson will talk about why someone would want to set up a Spending Plan. It will discuss the difference between the Planning Mindset and the "I Want It Now" Mindset, as well as the ways that either mindset affects your everyday life. You'll look at lifestyles and how people usually choose them subconsciously. Then, you'll find out how to examine yours, and whether you want to make any changes. The lesson will also discuss The Black Hole of Monthly Payments: what it is, how it works, and why you'll want to learn how to avoid it. This lesson is the foundation of all of the ones that follow, because it will get you excited to learn why to get control of your own money.
In this lesson, you'll begin the work of tracking your money by learning how to create a Net Worth Statement. You'll look at how your personality affects your attitude towards money, and how to manage money in marriage and relationships. Then, you'll learn about why you should set some goals for yourself and work on writing your own financial Wish List.
This lesson begins with a discussion about the importance of your checkbook. It will discuss various banking topics like ATM transactions and debit cards and how to choose the right bank account. Then, you'll delve into how to create a Mail Station and a Bill Paying Station as a place to organize yourself for paying your bills. The lesson will also cover how to keep all of your paperwork—from what to save to how to create a filing system.
This lesson is the backbone of good money management. You'll learn how to balance your checkbook and how this task affects all of your money issues. You'll also take a look at keeping track of your credit card statements.
In this lesson, you'll examine that enemy to financial freedom: debt. You'll look at how to know if you're in debt trouble and compile your own personal debt list. The lesson will also discuss tax debt and explain the best ways to pay debt off in general. Finally, you'll work on prioritizing your debt so that you know what to pay off first.
In this lesson, you'll look at your spending habits and where you've been spending your money. You'll create a list of expense categories, and then create a Historical Costs Worksheet to examine where your money has been going. The lesson will also discuss how to keep a cash log to track where your cash gets spent. Very few people know the answer to this! But you will after completing this lesson and its assignments.
In this lesson, you'll learn to change the way you manage your money, which begins with drafting your first Spending Plan. The lesson will discuss how a Spending Plan works, and you'll look at how to create one using your Historical Costs Worksheet as a base. Then, you'll compare your figures with standard guideline percentages to see where your Spending Plan might be off.
Now it's time to set up some detail about how to work your Spending Plan. You'll start by learning how to create a Bill Paying Plan. This will show you what bills to pay when. The lesson will also discuss getting an allowance and how this will help you manage your spending.
In this lesson, you'll go to the heart of how to really use your Spending Plan with the Envelope System. You'll examine what it is, how it works, and why it's superior to other methods of budgeting. All of the other lessons build up to this one.
In this lesson, you'll look at the guts of the Envelope System and examine it in detail. This is the nitty-gritty, how-to lesson that pulls together everything you've done so far.
This lesson will discuss common temptations to overspending, including your personal spending weaknesses, keeping up with the Joneses, housing and transportation issues, and teaching kids about money. If you're not careful, these things can pull you off track.
In this last lesson, you'll look at why and how to save, and how to best use your savings account. You'll explore stocks, bonds, mutual funds, retirement accounts, and saving for college. You'll also review your Wish List now that you've learned how to better handle your money. At the end of this lesson and this course, you'll be able to confidently answer the question "Where Does All My Money Go?" and experience the freedom that comes from not worrying about money any more!
There are no prerequisites to take this course.
We live in a society where the pressures of daily living are high with financial expenses, personal and work commitments, and mortgage and rental obligations. Then there are the unexpected life challenges that also get thrown our way. With this in mind the thought of taking on study can be daunting for most people. Here at Learning Cloud we understand that life doesn’t run in a straight line it has many ups and downs.
As an enrolled student at Learning Cloud, you are entitled to access a variety of non-academic support services from the Student Services Unit. These supports are designed to walk beside you throughout your studies they will assist you in life’s ups and downs to provide you the best opportunity to successfully complete your chosen course.
STUDENT SERVICES PROGRAMS INCLUDE:
Want more information about financial and student support? Fill out the enquiry form to the right and a study consultant will contact you with the details you need.
How will this course advance my career?
Learning Cloud programs have been developed in response to industry demand and are specifically designed to equip graduates with work-ready skills. Each participant will be trained and assessed in theory and in practical tasks and Real-world exercises are used throughout the program.
Studies prove, time and again, that college-educated workers earn more than those with only a high school qualification. College graduates often enjoy additional benefits, including greater job opportunities and promotions. Though the proof for greater earning potential exists, some might wonder whether the cost of the education warrants the overall expense in the long run.
College Graduate vs. Non-Graduate Earnings
The National Centre for Education Statistics (NCES) analyses employee earnings data biennially, according to education level. Findings indicate that workers with a qualification earn significantly more than those without. Since the mid-1980s, education has played a large part in potential wages, with bachelor's degree holders taking home an average of 66% more than those with only a high school diploma do. While college-educated workers' wages have increased over the past two decades, those with only a high school education have seen decreases in annual salaries in the same time period (nces.ed.gov).
How else will I benefit from studying with Learning Cloud?