This learning plan will guide you through the essentials of personal finance, helping you build a solid financial foundation, create a practical budget, save smarter, and tackle debt effectively. Through a combination of interactive tools, videos, and reflective exercises, you’ll develop actionable skills to take control of your money and achieve your financial goals. By the end of this course, you’ll have created a personalised budget, started building an emergency fund, and developed a detailed debt repayment plan—all while gaining the confidence to manage your finances independently.
This course is designed for beginners and includes links to free online tools and calculators to make the learning process interactive and practical. Optional challenges are included for those looking to deepen their engagement.
Milestone: At the end of this unit, you should have a clear understanding of why building a strong financial foundation is essential. You’ve also learned about the importance of budgeting and reflected on how these concepts could improve your financial habits.
Optional Unit Challenge:
After reading, write down three key strategies from the article that resonate with you (e.g., creating a budget, paying off debt, or starting an emergency fund).
Take a moment to evaluate your current financial tools and resources (e.g., bank accounts, savings, credit cards). Reflect on what’s working well, what might need improvement, and what steps you could take to strengthen your financial foundation.
Optional: Start a financial journal to track your progress, goals, and lessons learned throughout this plan.
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As you watch, write down three key takeaways about the importance of budgeting. Reflect on how budgeting could help you personally, such as reducing financial stress, saving for goals, or understanding your spending habits.
Think about one area of your finances (e.g., daily spending or monthly bills) where you would benefit from more control or awareness.
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Milestone: At the end of this unit, you should have a clear understanding of how to set financial goals and start building a budget. You’ve created a vision board to inspire your journey and taken the first step by beginning to outline your budget with income and essential expenses.
Optional Unit Challenge: Share your vision board with a trusted friend or family member and discuss one specific action you plan to take to bring your goals to life.
Create a vision board (physical or digital) that represents your financial goals. Include images, quotes, or numbers that inspire you, such as saving for a vacation, paying off debt, or building an emergency fund.
Reflect on what achieving these goals would mean for your daily life and write a short personal statement about your "why" for financial freedom.
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Download the free template discussed in this videoand customise it to fit your financial situation. Start by listing your essential expenses (e.g., rent, utilities) and assigning an estimated monthly amount. Save your work for use in the next unit.
Notes:The template is a starting point—revisit and adjust it as you move through the course.
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Milestone: At the end of this unit, you should have a clear understanding of the importance of an emergency fund and how to start building one. You’ve used a calculator to create a realistic savings plan and identified actionable steps to begin reaching your goal.
Optional Unit Challenge: Automate your savings by setting up a recurring weekly or monthly transfer into a dedicated savings account. Start with any amount you’re comfortable with—consistency is more important than size! Reflect on how this step makes saving feel easier and more manageable.
Read the guide to understand why an emergency fund is critical for financial stability and how it can protect you during unexpected challenges.
Write down the key reasons for having an emergency fund and calculate a realistic short-term goal
Brainstorm one way to kick-start your emergency fund, such as setting aside a specific amount weekly or cutting back on non-essential expenses.
Optional: Look into high-interest savings accounts that make it easier to grow your emergency fund automatically.
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Optional: Look into high-interest savings accounts that make it easier to grow your emergency fund automatically.
Notes:Optional: Try setting up automatic transfers into a savings account to stay consistent with your contributions.
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Milestone: At the end of this unit, you should have a clear understanding of how the debt snowball and avalanche methods work and which approach best suits your financial situation. You will have created a detailed debt repayment plan using the Ramsey Solutions Debt Calculator and identified actionable steps to begin reducing your debt.
Optional Unit Challenge: Discuss your debt repayment plan with someone you trust, such as a friend, family member, or financial mentor. Ask for their feedback or encouragement, and reflect on how their input might help you stay motivated. If you're comfortable, consider sharing your progress in a supportive online community.
Read the article to understand the differences between the avalanche method (paying off highest-interest debts first) and the snowball method (paying off smallest debts first).
List your current debts, including their balances and interest rates, to determine which method might work best for you.
Write down one specific action you’ll take, such as increasing payments on your smallest debt (snowball) or your highest-interest debt (avalanche).
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At the end of this unit, you should have a clear understanding of how the debt snowball and avalanche methods work and which approach best suits your financial situation. You will have created a detailed debt repayment plan using the Ramsey Solutions Debt Calculator and identified actionable steps to begin reducing your debt.
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Reflection Questions: What were the three most valuable lessons you learned about managing your finances during this course? How has your understanding of budgeting, saving, or debt repayment evolved since you started this plan? Which financial action or habit that you adopted are you most proud of, and why? What challenges did you encounter while completing this plan, and how did you overcome them? How have your financial habits or outlook improved as a result of this learning plan? What’s the next step in your financial journey? (e.g., increasing savings contributions, paying off a specific debt, or exploring investments). Instructions: Spend 20–30 minutes answering these questions in your progress journal or reflection notebook. If you feel comfortable, share your reflections with a trusted friend, family member, or online financial community for encouragement and advice. Set one specific financial goal for the next month to continue building on what you’ve learned. Examples include increasing your emergency fund, reducing discretionary spending by a set amount, or making an extra payment toward debt repayment.
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