|
Courses >
Personal Finance & Wealth Building > Where Does All My Money Go?
 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? Do you wish you had financial security? 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.
This course includes a knowledgeable and caring instructor who will guide you through your lessons, facilitate discussions, and answer your questions. The instructor for this course will be Susan Price-Batting.
 Susan Price-Batting is the money manager of her husband's business, and she co-manages the money side of her family's 30+ year old mail order business. She created, ran and later sold her own successful mail order business. She put herself through graduate school without taking out any loans and is also a graduate of the H&R Block Tax Class. Susan has lived virtually debt free for her entire life and brings her practices for day to day money management to those who need guidance. Her expertise with managing money started long ago when she had the good fortune to learn good basic money principles from her parents around the dinner table. Because of her first-hand knowledge of how to live within one's income, her knowledge of how to run a successful business, and her ability to teach, Susan is constantly asked by others to help them get their financial lives in order. Now she counsels others individually in money management and wrote this course to help even more people learn to get control of their money. Susan has been called the Budget Lady, and is a born teacher. She teaches by example, and will help you understand not only how to get control over your money, but why you'll want to.
To purchase this course, click the Enroll Now button below:
Requirements:
Internet access, e-mail, the Microsoft Internet Explorer or Mozilla Firefox Web browser, and the Adobe Flash and PDF plug-ins (two free and simple downloads you obtain at http://www.adobe.com/downloads by clicking Get Adobe Flash Player and Get Adobe Reader).
Syllabus:
All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when the lesson is released, but you must complete each lesson within two weeks of its release.
A new section of each course starts on the second or third Wednesday of each month. If enrolling in a series of two or more courses, please be sure to space the start date for each course at least two months apart.
| Week One |
| Wednesday - Lesson 01 |
Why know where all your money goes? This lesson will inspire you to take this course and find out the answer! In this lesson, we'll talk about why anyone would want to set up a Spending Plan. We'll also 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. We'll look at lifestyles and how people usually choose them unconsciously. Then you'll find out how to examine yours, and whether you want to make any changes. We'll 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.
|
| Friday - Lesson 02 |
In this lesson, you'll begin the work of tracking your money by learning how to create a Net Worth Statement. We'll look at how your personality affects your attitude towards money, and how to manage money in marriage and relationships. Then we'll discuss why you should set some goals for yourself, and you'll work on writing your own financial Wish List.
|
| Week Two |
| Wednesday - Lesson 03 |
This lesson begins with a discussion about the importance of your checkbook. We'll discuss various banking topics like ATM transactions and debit cards, and how to choose the best bank account for you. Then we'll delve into how to create a Mail Station and a Bill Paying Station as a place to organize yourself for paying your bills. We'll also cover how to keep all of your paperwork—from what to save to how to create a filing system.
|
| Friday - Lesson 04 |
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. We'll also take a look at keeping track of your credit card statements.
|
| Week Three |
| Wednesday - Lesson 05 |
In this lesson, we'll examine that enemy to financial freedom: debt. We'll look at how to know if you're in debt trouble, and you'll compile your own personal debt list. We'll also discuss tax debt, and then most important, we'll examine how to best pay debt off. Finally, you'll work on prioritizing your debt so you know what to pay off first.
|
| Friday - Lesson 06 |
In this lesson, it's time to 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. We'll 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.
|
| Week Four |
| Wednesday - Lesson 07 |
In this lesson, we'll get into planning how to change the way you manage your money, which begins with drafting your first Spending Plan. We'll discuss how a Spending Plan works, and we'll look at how to create one using your Historical Costs Worksheet as a base. Then we'll compare your figures with standard guideline percentages to see where your Spending Plan might be off.
|
| Friday - Lesson 08 |
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. We'll also discuss getting an allowance (like a lot of us had as children) and how this will help you to manage your spending.
|
| Week Five |
| Wednesday - Lesson 09 |
In this lesson, we'll go to the heart of how to really use your Spending Plan with the Envelope System. We'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.
|
| Friday - Lesson 10 |
In this lesson, we'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.
|
| Week Six |
| Wednesday - Lesson 11 |
Today we'll discuss some temptations to overspending, including your personal spending weaknesses, keeping up with the Jones, housing and transportation issues, and teaching kids about money. If you're not careful, these things can pull you off track.
|
| Friday - Lesson 12 |
In this last lesson, we'll look at why and how to save, and how to best use your savings account. We'll explore stocks, bonds, mutual funds, retirement accounts, and saving for college. And you'll 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 you'll experience the freedom that comes from not worrying about money any more!
|
To purchase this course, click the Enroll Now button below:
Student Reviews:
"Bravo on a fantastic course! My husband and I have been trying to do this for years and the envelope system really works. I have done our plan, and am so excited to get it rolling in earnest."
"I am a credit counselor and help people with budgets every day. This was extremely valuable for me both personally and professionally."
"I believe that this course has put me on the right path to getting control of my finances and making my financial future a lot brighter. Thanks for a very informative course."
"I enjoyed your class and recommend it. I am going through it with my daughter who is in her 1st year of college to help her do a better job of managing her finances. I wish they would have had a course like this when I was in high school, it sure would have been helpful all those years ago before things started to snowball. This course is easy to understand and is taught on a level that most of us can relate to. Thanks!"
"I feel for the first time in my life that I can get control of my money and I can see the light at the end of the black hole of monthly payments. Thanks."
"I feel this course gave a lot of examples, ideas and support for those of us who are interested in getting our finances in order. The instructor had a great sense of humor that came across as encouraging and understanding. I really appreciated that! Thank you for this opportunity. Now I have got to put it in action!"
"I found this class to be invaluable in money managment. The lessons were clear and concise and easy to understand. I was able to really grasp what she was teaching. I would definitely recommend this class to somone else."
"I thoroughly enjoyed this course. I'm positive that the lessons and assignments will enable me to make a major difference in my financial picture over a period of time. I would be interested in any other courses taught by this instructor. She did an outstanding job."
"Susan, thanks so much for the design of this course - I have run a successful business for 22 years, and didn't know what to expect from this course, but found that you taught me valuable techniques and a way to think about money that I can use in both professional and personal life."
"Thank you for helping me get our money in order. When we retire in 4 months this will really help to keep on track with our money. Thank you again."
"Thank you for offering this course, I have really enjoyed figuring out where my money goes. The hardest part was keeping track of every purchase right down to my coffee. I am able to do it with ease now and that feels great. Designating a day once a week really is the way for me. The course has been wonderful and anyone who is brave enough to take it will benefit immediately and substantially in the long run. Cheers and thanks again!"
To purchase this course, click the Enroll Now button below:
Recommended Courses:
Students who enrolled in Where Does All My Money Go? were also interested in the following courses:
Keys to Successful Money Management
Debt Elimination Techniques That Work
Everyday Math
Personal Finance
Real Estate Investing
Stocks, Bonds, and Investing: Oh, My!
Teaching Math: Grades 4-6
|
