Why take a Certification to Become a Personal Finance Life Coach for Women Empowerment; the 3rd Accredited Women Empowerment Coach (WEC) Certification Course? What will a Personal Finance Coach for Women Empowerment and Accredited Certificate + Credentials + Life Coaching Directory Listing for Level 2 Grads do for you? If you are searching for a coaching niche that is in demand, becoming a Personal Finance Coaching for Women will benefit you in numerous ways. Why is this important? FACT: Professionally, it is becoming more of a challenge to differentiate yourself when there are so many people who coach women. This can be overwhelming if you don’t feel like you have done enough, know enough or have enough current skills to stand-out. How can you compete? FACT: Personally, you need to be confident, resilient and resourceful to adapt to this ever-demanding competitive world. This can be a challenge if self-doubt, insecurities and fears block you. How can you rise above these obstacles? PERSONAL FINANCE LIFE COACH TRAINING CERTIFICATION COURSE GOAL These facts don’t have to be your future! We developed this comprehensive Personal Finance Coaching for Women Certification course as part of our five-part Master Certified Women Empowerment Life Coaching Certification Program. Now we offer it as a stand-alone Women Empowerment Life Coach Certification Program so you can niche in this High-Demand area and become a Personal Finance Coaching for Women. ✅ PERSONAL FINANCE LIFE COACH TRAINING CERTIFICATION COURSE SELF-ASSESSMENT WHAT IS YOUR GOAL? There are usually 3 different goals among the students who join this program. Which one describes you? GOAL #1 - You care about your own personal and professional development. It is not important to you to receive a certificate of completion or being fully certified through accreditation. You want to be coached so that you can move past the blocks that are stopping you. If this describes you, then enjoy one of our niche specific coaching courses as it fits with your schedule. INCLUDED with the one-time low-cost enrollment fee on Udemy is life-time access to the course content and features on Udemy; including a Udemy generated certificate of completion if you ever need one. You also have access to Level 1 and Level 2 accreditation at no additional cost should your goal change. READ COURSE CONTENT SNAP-SHOT BELOW . GOAL #2 – You are already a coaching professional. It is not important to be fully certified through accreditation or that the certificate of completion comes from Udemy. What you do care about is saving time and saving money. You want to be able to legally use our proprietary step-by-step and timed-out accredited coaching session guides to coach your clients WITHOUT PAYING our $995 “right of use” fee. If this describes you, then enjoy the Level 1 program as it fits with your schedule knowing that your one-time low-cost enrollment fee on Udemy gives you access to Level 2 accreditation should your goal change. READ LEVEL 1 ACCREDITATION COST-SAVING BENEFITS. GOAL #3 – You are completely new to coaching and want guidance. You may have taken other coaching courses but do not feel prepared to coach clients or you simply want to be found by prospective clients and listed in a Professional Coaching Directory WITHOUT PAYING our private fee of $1791. Your goal is to learn a step-by-step coaching process and then be able to practice through fieldwork that is assessed for competency. You want a separate certificate of completion that is not from Udemy but from an Accredited Coaching Academy. You want your name listed a coaching directory so that prospective clients or employers can verify your Coach Certification and confirm that you have Graduated from an Accredited Coaching Training Program. If this describes you, enjoy the Level 2 program that is included with your one-time low-cost enrollment fee on Udemy. READ LEVEL 2 ACCREDITATION COST-SAVING BENEFITS. ✅ PERSONAL FINANCE LIFE COACH FOR WOMEN CERTIFICATION COURSE CONTENT SNAP-SHOT You can keep scrolling to view the comprehensive course content and also to watch some of the free video lectures available but here is a quick outline of what is covered: Personal Finance Life Coach for Women Psychology : Do you know exactly what stops women from being successful in this area? You are walked-through our proprietary framework for assessing their underlying blocks and obstacles. Personal Finance Life Coach for Women People : Who will be your coaching clients? You discover the inside track on coaching women from every walk of life so that you can understand them better than they understand themselves. Personal Finance Life Coach for Women Process: Do you have an exact Coaching process in this area of specialization that is proven to get results? Differentiate yourself by using our proprietary Coaching session guides that are timed-out and step-by-step easy to follow and adjust as needed. Personal Finance Life Coach for Women Phrasing: Do you know exactly what to say in any situation? Being stumped in a Coaching session makes you look unprofessional. We give you the exact phrasing and questions to use so that you feel confident and prepared in every coaching session. Personal Finance Life Coach for Women Procedures: Do you know the Coaching procedures that will make an impact for your clients? In this course, we give you the exact techniques, tools and strategies so that you don’t have to do the research or create the resources yourself. Personal Finance Life Coach for Women Practicum : Have you ever coached real clients before? You will benefit from the simple system we provide that makes coaching practice fun and doable. This is truly what differentiates our Coaching course from others. Personal Finance Life Coach for Women Pricing and Promotion: Do you know what to charge coaching clients? Do you know how to find coaching clients? No more guessing what to do and how to do it. We have mapped out your success plan so that you feel confident and secure in this area. Personal Finance Life Coach for Women Professional Community: We want you to be successful! Once you join this course, you have access to a full range of ongoing coaching community support that will keep you focused and engaged. ✅ LEVEL 1 ACCREDITATION COST-SAVING BENEFITS Included with your one-time low-cost enrollment fee on Udemy is life-time access to the course content and features on Udemy; including a Udemy generated certificate of completion. WE COVER THE $995 U.S.D. RIGHT OF USE FEE: When you join this course on Udemy and stay enrolled (no refund), you have permission to use our Proprietary Accredited Coaching Session Guides to coach clients. PLEASE NOTE: A “right-of-use fee” is not a licensing fee. We own the copyright to the accredited session guides including the processes and material. You do not have permission to re-sell it or develop training, workshops, speaking or books based on our proprietary program. 1) Watch 100% of the coursework lectures as fast or as slow as you want. 2) Download all of the accredited resources including the session guides. 3) Download your Udemy generated certificate of completion when you have completed 100% of the coursework. ✅ LEVEL 2 ACCREDITATION COST-SAVING BENEFITS In addition to the cost-saving benefits and features of Level One, when you remain enrolled in the program past 35 days, you have access to LEVEL 2 benefits; a total of $1791 U.S.D in fees that we cover when you purchase this one course on Udemy and graduate Level 2. WE COVER THE $995 U.S.D. RIGHT OF USE FEE: When you join this course on Udemy and stay enrolled (no refund), you have permission to use our Proprietary Accredited Coaching Session Guides to coach clients. WE COVER THE $199 U.S.D. ACCREDITATION FEE: Level 2 requires that you complete a mandatory Coaching Practicum which assesses your competency using our accredited proprietary session guides with real clients. We call this hands-on coaching fieldwork. We make this step-by-step easy to complete but submission is mandatory for Level 2 Graduation. This is what differentiates our program and sets our Graduates above the rest. While a quickie diploma or certification from having just simply watched videos is appealing and what some coaching courses on Udemy use as a marketing tool to get you to buy, this is not the solution to long-term success. If that is your goal and expectation, this professional coaching program is not for you. WE COVER THE $99 U.S.D. CERTIFICATION FEE: This is a one-time fee to create one individualized certificate of completion from our Academy that displays your certification designation verifying your completion of accreditation. WE COVER THE $199 U.S.D. COACH DIRECTORY LISTING FEE: This is a one-time listing one-time fee to add your first and last name to this coach directory on our website. WE COVER THE $299 U.S.D ASSOCIATION FEE: This is a one-time membership fee to keep your certification current and valid. ✅ WE COVER $1791 U.S.D IN FEES WHEN YOU JOIN US ON UDEMY AND GRADUATE LEVEL 2 Now you might be thinking “this sounds too good to be true; what’s the catch?” or you might be saying “Coaching Training like this should cost 5 thousand or more; why would such a valuable program be available on Udemy for such a low price?” There is no catch just a vision, a purpose and a mission inspired by our Founder and your Instructor. Keep reading to meet her! WHY OUR LEVEL 2 GRADUATES EXCEL Joining this course and completing Level 2 of the program requires effort but you can do this! We want you to stand-out and excel as a coach but only you can do the work. We can’t guarantee your success or that you will make money as a coach. Only you are responsible for the effort you put in and the success you achieve. What we can guarantee is that we make it as simple and easy regardless of your current skill level and we are there to guide you every step of the way; however long that takes. We want you to be satisfied and if you are not, you can request a refund from Udemy within 30 days of purchase. Be sure to read Udemy’s terms for details. THE POWER OF BELIEF But when you commit and stay enrolled in the course (no refund), you put into motion the power of belief. When you buy the course on Udemy, it is a one-time low-cost investment that will continue to pay dividends in countless ways for years to come. Level 2 is simple: in addition to staying enrolled in the course for longer than 35 days, you complete 100% of the coursework, complete 100% of the coaching practicum fieldwork and submit it for approval and we cover the $1791 U.S.D. fees that we normally charge on our website for Level 2 Graduation. Why do we do this? When you meet Louise, you will understand the purpose-driven passion that propels our mission! You may have already seen this before but it is worth a second, third or fourth read. ✅ MEET YOUR INSTRUCTOR LOUISE ANNE MAURICE If you have never met me before, my name is Louise Anne Maurice; Louise for short. When being interviewed, I am always asked the question “what have been the most important aspects of your 30+ year career; your university and specialized education, the impressive skills you developed working for companies and educational institutions or boot-strapping it to build your company from the ground-up”? My response is always “ALL OF IT” because every experience has shaped who I am, my purpose and the reason I am a Coaching Training and Development Specialist today. LOUISE TALKS OVERCOMING CHALLENGES You see, I was not handed life on a silver platter! I worked hard to achieve what I have; overcoming many challenges along the way. How did I do this? I developed, what I later termed, my Empowered Coach Approach™; a revolutionary framework founded on empowerment, integrity and respect that leverages my DE Effect™ to accelerate and strengthen transformation. Using this approach, I was able to power-past blocks and obstacles so I could achieve my goals and experience my limitless potential. The thousands and thousands of people I have either coached, trained, consulted or taught over the past 30+ years have also benefited from my Empowered Coach Approach™. LOUISE ANNE MAURICE’S MISSION But that is just scratching the surface! I see a world where everyone is overcoming their challenges and living their full potential. Can you imagine the positive impact? But I can’t do it alone! My mission is to train millions of coaches world-wide to coach millions of people world-wide to live their full potential. How will I do this? I have teamed up with the Udemy E-Learning Platform to make my proprietary coaching training programs easily accessible to a global audience at an affordable price. As Director of Coaching Training and Coaching Courses Development for Holistic Coach Academy, I use my Empowered Coach Approach™ to develop purposeful, comprehensive and streamlined curriculum that shortens the learning curve for you to become a Professional World-Class Coach. WHAT IS YOUR MISSION? Purpose is powerful! Yes, you might be fired-up at the cost-savings bonus that I have made exclusively available on Udemy. Who doesn’t love a deal! More importantly though, I hope you’re fired-up at the prospect of being a part of making a positive difference in the world; I know I am! Are you ready to do something more meaningful with your life; something that makes an impact and leaves a lasting legacy with your name written all over it? Whatever your mission, you will find a community that is here to support your purpose. ✅ ARE YOU READY TO START MAKING A DIFFERENCE? I invite you to join and start living your purpose today! Simply click on the “Buy now” button to enroll in one course or click on the “Add to cart” button to enroll in all 5 courses of the WEC - Women Empowerment Coach Certification Program to complete the Master Level Certification. I will see you in the first lecture. © Copyright Louise Anne Maurice of Holistic Coach Academy

By attending this intense Personal Finance course you will have: A deeper understanding of the personal finance and financial statements A deeper understanding of your personal cash flows and how to manage them properly A deeper understanding of the financial products and how to use them more efficiently I have developed, the shared by this course financial behavior, over the last decade. For me it`s timely proven. Also I have shared my understanding on the personal finance topic with my friends and they are really happy applying it. I`m well educated and experienced person in the field of Finance. As a professional I have a deeper interest in the field of Personal Finance. I love to share what I know. By this course I would like to share with you my philosophy on the personal finance topic.

Overview Hi, I’m Colby – and I like simple things that make me feel organized, and in control. For some time now, I’ve been tweaking the way I manage my personal finances in the pursuit of keeping it simple, yet sophisticated. I tried a handful of online budgeting tools, smartphone apps, and even considered paying for a professional service. But somehow, none of these avenues seemed to qualify for what I was in seek of. I’d start off enthusiastic on keeping good habits, only to find myself forgetting about the app after a couple weeks, being bombarded with ads and over-the-top notifications on every little movement in my account or billing schedule, and/or it requiring just as much effort on my end as if I were to just build a financial ledger myself. So, I decided to do just that and build one my own way. And "lo and behold", I discovered that the easiest tool to keep up with, customize to my liking, encourage me to stay engaged in with my financial well accounts, and most importantly share with others is actually a plain old spreadsheet with a few simple, yet powerful formulas. I also discovered that by combining my homegrown spreadsheet with a basic cadence of regular check-ins, and a few additional resources, that I had built an incredibly solid foundation for truly understanding my financial situation. Being able to see your entire financial world in one place helps you see the big picture. And from there, strategies start to come to life along with a deep sense of organization and confidence moving forward. And now I’m sharing this spreadsheet, and the overall process with you! Details Includes FREE access to an un-locked Personal Finance Spreadsheet from Google Sheets so that you can save on your own Google Drive The Google Sheet will come pre-populated with the same fictitious data presented in this Udemy tutorial course This course is for the purpose of learning how to self-manage your finances, and keep it as simple as possible This course is not for the purpose building a complex budgeting tool that looks to allocate every penny you spend

99% of us are working for a living by trading our precious time for money. We have little to no Personal Finance Understanding and this impacts our overall personal development. Traditional retirement theory is focused on what Bill calls "Big Gulp" investing:  Save a lot of money in a 401k/IRA and at age 65 start drawing it down and hope it doesn't run out before you die.  In the meantime you have to grind out 40 hour work weeks for 40+ years. THERE IS A BETTER WAY! Creating Personal Finance Understanding that impacts your overall Personal development is the key. The way to unlock it is with  Passive Income Streams from purchased assets are the key to retiring early and never running out of money before you hit the Big Pine Box in the sky.   The first step in achieving this goal is to empower yourself by making sure you are Financially and Investing literate.  Traditional personal finance and investing courses are not effective.  This course will show you an entirely new and proven way to achieving Financial Freedom. We work hard for our money and we want things in life. Society has created systems that take advantage of our human impulses that cause us to financially behave in ways that sabotage our ability to retire at an age early. Some folks will retire sooner than others because they acquired unique knowledge that others simply don't have. These people have Personal Finance Understanding and a better overall life that impacts all areas of their personal development. One such person is your instructor, Personal Development & Personal Finance master Bill Stephens . Despite not fully putting his teachings into practice until his early 30’s he was able to retire at age 41, which was 18 years ago. He is married with two grown financially literate kids that are in flagship state universities. He lives on a tropical Island where the average property values well exceed 1 million dollars. He was a professional salesperson and started three businesses.  He taught himself personal finance & investing strategies and developed a system that can work for anyone. And he will share this knowledge with you in this course. In less than 1 hour you will learn: Bill's Fundamentals of Financial & Investing Literacy The Two most important Formulas in the world that every person MUST know Two types of Income & Two types of Expenses The 4 steps to financial freedom How to Leverage Your Income Is a Home Mortgage Good or Bad Debt? Financial Photosynthesis & Why it is Crucial to Your Success The 4 Crucial Life Skills The Myth of Owning your Own Business Tactics and Strategies to decrease expenses & Increase Income Understanding Investment Models Early Retirement Strategies & more The primary objective of this course is to give you Bill's unique Fundamentals of Financial & Investing literacy so that you can create a plan to help you become financially free in the shortest time possible.  This course is a MUST for high school students, young adults, and any adult who wish to achieve early Financial Independence. Learn how to be masterful in Personal Finance and have a huge leg up on Personal Development in less than one hour. This value packed course will give you the formulas and strategies to get you off of the road of “trading time for money” and having your money work for you. We deliver this course with videos, audios and a workbook designed to sync up with the lessons. This course is available to you forever. But don’t wait to take this course. Take it today because in just one short hour you’ll know what you need to begin your journey to financial freedom. Enroll today, knowing that If you aren't delighted with this video based training course, claim a full refund within 30 days of purchase!

This course is designed to help anyone get a better grasp on their personal finances by building a budget and a personal balance sheet, or net worth statement. As an engineer, I'm constantly trying to build systems to automate repetitive tasks, and always trying to make things easier, more efficient and more effective. I've tried several methods for budgeting, from manually tracking all my spending and filling out worksheets each month, to complicated software that never quite works the way I want it to, and I always quit after a short time out of frustration - so I built my own. I think I have a system that's very simple and intuitive, with a lot of useful effort-free features, and most importantly, it's easy to stick to. We'll go step by step through the system, which is basically a couple of simple Microsoft Excel spreadsheets, and I'll show you how to customize it for yourself. Along the way, we'll talk about all of the important financial principals behind it like fixed vs. variable expenses, liquid and illiquid assets, and how to set up an emergency fund with your savings. Once you're set up (some short videos and just a little bit of homework), here's what you should have: A complete picture of your personal finances, including: How much you spend each week and each month, broken down into the categories you care about most. A budget based on your real spending, where you can see the current picture and set goals for the future. A net worth statement, showing everything you own vs. what you owe. You will be able to easily: View automatically updated graphs of your spending over the last year. Fine tune goals for your budget, track your progress and watch your success translate into a higher net worth. Perform what-if scenarios that help you to make better financial decisions. For example: Should you buy or lease that car (and how much should you pay)? Should you rent an apartment or buy a house? Can you afford an extra vacation if you cut back on going to the movies? You'll see instant improvements in your financial well being: Reduce your "waste" spending Less worrying each month about forgetting bills, or not being able to pay them Be prepared for making investments, applying for loans and credit without digging through years worth of receipts Hopefully this course will be like giving yourself a raise . You'll be able to take more vacations and use your money the way you want to, without it disappearing under your nose... And your stress level will go way down: you'll have the piece of mind in knowing where you stand at all times!

Did you know that you can retire in less than 20 years by applying a very simple wealth formula to your life? Even better... Did you know that by adjusting only a few parameters in that wealth formula, you could easily bring that 20 years down to only 10 years? Does retiring in 10 years from now still sound too far away? How about being able to retire in 5 years' time? This really is possible for ANYONE to achieve! By applying the right wealth formula, you could very easily retire within the next 5 to 20 years! You don't need to work a mediocre job for 40+ years only to discover your nest egg isn't large enough for you to retire on. There is a better way, and you'll find it in this course. In this course you will learn how to retire in 20 years or less. How much earlier you get to retire depends completely on which of the three Passive Income Plans you choose to either retire in 20 years, 10 years or in only 5 years from now. The great thing about a formula is that it's founded in math, in numbers. And numbers never lie. Therefore creating wealth for yourself and for your family so that you can retire early and live the life of your dreams is as simple as following a proven formula until you get the desired result. It's like baking a cake... If you follow the recipe to the letter, the result will inevitably be a very delicious cake. Learn the fundamentals of wealth creation and follow the wealth formula that have stood the test of time (all of which you'll learn in this course), then achieving Financial Freedom will be inevitable for you . Unfortunately most people don't even get to retire comfortably, because they never learnt these fundamentals of wealth. Even though 20 years might sound like a long time, you will still retire much earlier and much more comfortably than 90% of the world's population. In essence, buying back many years you would've had to keep working to make a living. And that is the goal of creating passive income streams - To buy back your time and your life! Passive income streams is all about creating more time ... Time to do what you love, time to spend with your family, time to actually be there for your kids so that you can experience the joy of seeing them grow up, and also time to pursue your truest purpose in life and as a result create a lasting positive impact in the world. Passive income the key to living a fulfilling life! You can start building your passive- and semi-passive income streams immediately which will enable you to retire within the next decade or two (depending on how diligently you apply the wealth formula you'll learn about in this course). Start working towards your early retirement right now - ENROLL FOR THIS COURSE

Right now, is it looking like your going to have to stop drinking coffee for the next 40 years to help pay off your debt? Regardless of how much debt your in, your lifestyle DOES NOT have to drastically change in order to pay off your debt. In fact, YOU can have a better lifestyle WHILE paying off your debt. The key is making smarter choices. In this Debt Free Personal course you'll learn about: How to stay out of debt in the first place Proven strategies for getting out of debt How one can reduce their debt quickly AND MUCH MORE! If you're ready to make the move to having better personal finances, then this course is your starting point to doing exactly that! Enroll today, and invest into your future! ============================ INSTRUCTOR BACKGROUND I've been an entrepreneur for 10+ years, and have taught over 25,000 students how to improve their own skills. I've become a eBay Powerseller and Amazon Best Selling Author and active consult with multiple 6, 7, and 8 figure businesses. From what I've learned from these experiences, I'd love to share the knowledge with you. My goal is to help as many people possible by teaching each student everything I know about each topic. I teach to ensure each student  leaves each of my courses feeling like they've learned something new. ============================ GET ONE-ON-ONE HELP Regardless if your just starting your course or have been done for months, I'm happy to help you. Students are able to start discussions and message me with private questions. I aim to answer 99% of questions within 24 hours. I really enjoy helping students who've taken my courses and I look forward to helping you! ============================ AMAZING VALUE: LEARN FROM 10+ YEARS OF EXPERIENCE ALL IN JUST A COUPLE HOURS! The information that you'll learn in this course can be either learned from many years of experience, or you can learn valuable skills all best summarized within a couple hours of time. Is it really worth taking hundreds or even thousands of hours of your time to learn this information by yourself? The choice is yours to make. ============================ PROVEN STRATEGIES TO GROW YOUR BUSINESS All strategies that I share are either from my personal experience or are well proven strategies based off industry experts. ============================ WHY TAKE THIS COURSE? Simply put, save time, save money and learn valuable skills that you can implement into your life (for the rest of your life). Learn from others that have done it before you, and learn what have proven to work best for them. Don't do it all by yourself! ============================ CERTIFICATE OF COMPLETION WHEN YOU FINISH THE COURSE When you complete 100% of the videos in this course, you'll be emailed a certificate of completion by Udemy! ============================ MONEY BACK GUARANTEE The course comes with a Udemy-backed, 30-day money-back guarantee so you can try this course absolutely risk free. This is not just a guarantee, it's my personal promise to you that you will improve your skills after completing this course. Invest in your future. Enroll now. __ Full Disclaimer: All financial decisions made are 100% your choice and your responsiblity. I/afflilates of this course don't take any type of responsiblity for your actions. You may see better, the same, smaller, or no results based on your actions. I am not a finanical advisor. This course has been designed to give you the most accurate information possible during the creation of this course.

This is a short course on basic money management which is conducted by the Institute for Financial Literacy, Singapore. We provide free and unbiased financial education programmes to companies and organisations. Description of Module: Learn to set S.M.A.R.T. financial goals and work out how much you need for your goals. Develop a budget by tracking your spending and savings on a regular basis. Learn how to cut down on expenses and reduce debt. Financial planning includes: Managing your income to meet your current as well as future needs, such as your retirement or your children’s education; Managing exposure to unforeseen events like pre-mature death, illness or disability; Managing savings and investments to meet your financial goals. Setting up a budget is a good way to start taking control of your financial situation because it helps you to: Live with your financial means, and meet expenses; Track spending, in order to meet both your long-term and short-term goals; Control your money, so that it does not end up controlling you. The concept of money comes with a lot of associated feelings. Too little money can make you miserable. Too much money can also make you miserable. Managing money means knowing how to: Make and earn money; Hang on to it once you have it; Spend it; Invest it; Enjoy it in our golden years. In this module, we will cover essential money management skills such as setting financial goals, preparing a budget, Paying Yourself First (Saving a portion of your income the moment you receive it), assessing your expenses, stretching your dollar and debt management. We will also cover important topics such as the Power of Compounding Interest and Consumer Debt. Take this module as a step towards financial wellness. Browse through the text content in the lectures and download the supplementary materials for additional learning. This course will take your about an hour to complete.

The Complete Personal Finance Class is designed for people of all ages and all incomes. In this course you'll learn how to manage your cash flow more effectively so you can pay off debts quickly! What is personal finance? Personal finance is tracking your income, expenses, debt, and credit. With money being a significant part in every modern society, it's important to learn how to control your personal cash flow and become debt free using a budget, savings, and other tools which you'll be given. It's important to note that this is not a "Get Rich Quick Class". Personal finance is a lifetime marathon and while this class while help you train for the marathon, it won't make you rich overnight. (Sorry!) Why is it so important? Knowing how to be financially accountable allows you to live on your own terms without the need to rely on government benefits or other sources. While these are important to have, they should only be used temporarily to help you get back into the marathon. Understanding personal finance will allow you to become financially strong, obviously. However, it also allows you to become mentally clear and make more logical life decisions while removing the stress of a financial hardship. This in turn, enables you and your family to live a better life, without the need to stress paying bills or purchasing groceries. Why should I purchase your course? This course is practically a basic Microsoft Excel course, budgeting course, and personal finance course all wrapped in a neatly tied bowed for only $59.99. Included is a PowerPoint over 160 slides, 15 excel exercises and nearly 6 hours of video content. Among these topics you also learn about Credit Cards Loans Basic Investing Retirement Accounts And SO. MUCH. MORE! How can I trust your word? Just ask the nearly 40 students who viewed my courses for over 4,200 minutes! With a instructor rating of 4.1 I realize I have room for improvement, but that's why I provide these courses to you! The more feedback I receive, the better this course becomes! Still not convinced? Watch a few of the sample videos, read some reviews, and think to yourself... Would this add value to my life? (One of the five questions you'll learn you should ask yourself before a purchase.)

This course covers the process of financial planning. Learn how to identify your immediate and long term financial goals. Know what resources you have to meet and achieve your goals. Financial Planning is a process for you to take charge and manage your finances to ensure your financial well-being. It comprises of Managing cash-flow for your current needs and future goals, e.g. buying a home; Managing exposure to unforeseen circumstances by providing for your dependants’ basic needs; Managing resources to meet your financial goals, e.g. child education and retirement. Just like a physical health medical test, a financial fitness assessment allows you to have a better understanding of your financial health. The following are common personal financial problems that can affect your financial fitness: Failing to plan ahead, or not planning at all; Not spending within your means; Spending on borrowed money, buying with consumer credit; Delayed savings for retirement; Falling prey to financial sales pitches; Not doing your homework; Making impulsive decisions; Exposing yourself to high financial risk. In order to accurately access our financial situation, we need to find out the following: Net Cash Flow Position; Net Worth; Financial Ratios. The net cash flow position is the amount after the total outflows have been subtracted from the total inflows. The net cash flow statement gives you your net cash flow position, and can be used as a tool to find out if you are making good use of your income. Your net worth is a snapshot of your financial position at a specific point in time. In the event of a total loss of income, you may have to use your liquid assets to cover your regular expenses. The Basic Liquidity ratio shows the number of months you can expect your liquid assets to sustain your monthly expenses. This is also known as your emergency savings. The Savings Ratio reveals how well you are building up your savings for your future consumption. The Non-Mortgage Debt Service Ratio compares the monthly payments to service all debt, excluding the mortgage, with a person’s monthly take home pay. This ratio simply provides insight into what amount of income is going towards non-mortgage debt. The Mortgage Servicing Ratio reveals the percentage of your monthly income that can be used to service your monthly property loan instalment. This course continues from "Making Sense Of Your Money". Also, after going through this course, you can join the next module entitled "Implementing Your Financial Plan".