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Offered in partnership with
College of DuPage
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.
A new session of each course opens each month, allowing you to enroll whenever your busy schedule permits!
How does it work? Once a session starts, two lessons will be released each week, for the six-week duration of your course. You will have access to all previously released lessons until the course ends.
Keep in mind that the interactive discussion area for each lesson automatically closes 2 weeks after each lesson is released, so you’re encouraged to complete each lesson within two weeks of its release.
The Final Exam will be released on the same day as the last lesson. Once the Final Exam has been released, you will have 2 weeks plus 10 days to complete the Final and finish any remaining lessons in your course. No further extensions can be provided beyond these 10 days.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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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 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.
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!
I really enjoyed this course and learned quite a bit. I feel better about my finances and my ability to keep up with them. I have always lived paycheck to paycheck - or as said in the course, living on last months money. I now know how to allocate my funds and keep myself from spending what I really don't have. I'm excited about my financial future! Thank you!
Susan, I can't thank you enough for this wonderful course. The lessons were practical, organized, and very well-presented. The techniques and tips you offered will go a long way in assisting me to get a better handle on my financial situation. I have taken a number of online courses through ed2go. Your course was, by far, the very best of all. I would highly recommend it to anyone. Thank you so very much!
It's very rare to find a course on money basics like this one. It's an excellent topic and appropriate for every one who needs to manage money. I appreciated hearing how the instructor grew up and learned to manage her money through family experience first. Susan possesses excellent knowledge on getting a grip on money management and an ability to explain lucidly the process of managing one's own money.
My husband and I just finished the assignments and you wouldn't believe how much this has already helped. We both understand now what each others wants and needs are...and how to handle them and compromise...Thank you so much for the great advice!
All I can say is, W-O-W. This class was great and you were an exceptional teacher. I wish I had had this course in high school. No, better yet, in junior high. This course has provided me with such a relief of stress. I now know what to do, how to do it, and when. Being able to direct my money is so much easier than chasing after it because I can't remember where I spent it. Once again, thank you.
The emergency fund and your clarification of that fund helped me get over the hurdleof making a budget. I am sure that is a wall for many people. I had started the automatic savings before I started the class because I wanted to know that we had some money if we needed it. What a feeling to know that we will be okay if something goes wrong, that my husband can't fix. Just last week my middle boy broke his hand - three trips to the hospital, two sets of x-rays , and an orange cast later everything is okay because I had that little bit socked away.
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