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Personal Finance 101: How to Manage Your Money

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Course Description

Imagine you're going on a trip…It sounds odd, but your journey to understanding, growing and maintaining personal finance starts with your imagination. That's not all it takes, but, by imagining, dreaming and believing, these intangibles will begin to take shape.

Of course, you'll need tangible actions to achieve your results. After all, you can believe you want to go on a cruise, but until you step on the boat, you'll never get there.

During this course, you'll learn the ins and outs of your individual financial journey in a fun and unique way--as a travel itinerary. You'll be provided with everything you need to understand your spending habits, chart your progress, grow your current savings and achieve your dreams. This course is broken up into three parts: Plan, Execute and Travel. Plan--maintain checking and savings accounts, create assessments in order to understand your financial standing and create a foundation for your financial standing, Execute-- manage debt, build and manage your credit score as well as balance accounts for future financial security--and finally, Travel--live your dream by generating wealth and controlling spending, making sound investments in stocks and bonds, and even begin starting and growing retirement accounts. These are your steps to financial freedom and you can achieve them all from within the comfort of your home. No matter where you are in your journey, by end of this course, you'll have a clear map to where you want to go and helpful hints to guide you along the way.

  • Completely Online
  • Self-Paced
  • Instructor Feedback
  • 6 Months to Complete
  • 24/7 Availability
  • Start Anytime
  • PC & Mac Compatible
  • Android & iOS Friendly
  • Accredited CEUs
Universal Class is an IACET Accredited Provider

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Course Lessons

Average Lesson Rating: (1535 votes)
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"Extraordinarily Helpful"
8/20/2017 12:15:54 PM

Lesson 1: Introduction to Personal Finances

Why is it important to be attentive to your personal finances? 35 Total Points
  • Lesson 1 Video
  • Review 2 Articles: How to Do an Annual Financial Check-Up; Money Management Basics
  • Complete Assignment: An Introduction
  • Complete: Lesson 1 Assignment
  • Complete Exam: Lesson 1: Introduction

Lesson 2: Assets

What does the word "plan" mean to you? Do you think of effort, action, or toil? 35 Total Points
  • Lesson 2 Video
  • Review 2 Articles: 3 Principles of Personal Finance; Personal Finance 101
  • Complete: Lesson 2 Assignment
  • Complete Exam: Lesson 2: Assets

Lesson 3: Liquid and Non-Liquid Assets

The term "liquid" means "the measure of the extent to which a person or firm has -- or has the ability to quickly put hands on -- cash to meet immediate and short-term obligations." 35 Total Points
  • Lesson 3 Video
  • Review 2 Articles: What are Liquid Assets?; What Is Non-Liquid Inventory?
  • Complete: Lesson 3 Assignment
  • Complete Exam: Lesson 3: Liquid and Non-Liquid Assets

Lesson 4: Checking

Checking accounts are transaction accounts that allow you to authorize the transfer of money to another person or organization, either by writing a check, withdrawing cash, or by making an electronic transfer. 34 Total Points
  • Lesson 4 Video
  • Review 2 Articles: Tips for Protecting a Checking Account; Managing a Checking Account
  • Take Poll: Checking Account
  • Complete: Lesson 4 Assignment
  • Complete Exam: Lesson 4: Checking

Lesson 5: Savings Savvy

Motley Fool, a company whose purpose is to "educate, amuse, and enrich" says the number one rule for asset allocation is: "If you need the money in the next year, it should be in cash. 35 Total Points
  • Lesson 5 Video
  • Review Article: Basic Savings Account
  • Complete: Lesson 5 Assignment
  • Complete Exam: Lesson 5: Savings Savvy

Lesson 6: Wireless Banking

Banks are using the latest technologies to develop banking features and services that aim to give customers a user-friendly experience. Some of these banking innovations may change the way you manage your money. 34 Total Points
  • Lesson 6 Video
  • Review 2 Articles: The Future of Wireless Banking; Mobile Banking
  • Take Poll: Wireless Banking
  • Complete: Lesson 6 Assignment
  • Complete Exam: Lesson 6: Wireless Banking

Lesson 7: Debt

The first step in determining your place in the debt-to-comfort zone is to measure your expenditures -- your money outflow. 35 Total Points
  • Lesson 7 Video
  • Review Article: Debt Elimination Tips
  • Complete: Lesson 7 Assignment
  • Complete Exam: Lesson 7: Debt

Lesson 8: Credit Cards

Credit cards are the easiest and fastest way, by far, to pay for goods and services. Bills can even be paid by credit card. 34 Total Points
  • Lesson 8 Video
  • Review Article: The Island Approach to Credit Cards
  • Take Poll: Credit Cards
  • Complete: Lesson 8 Assignment
  • Complete Exam: Lesson 8: Credit Cards

Lesson 9: Investments

Should you always invest a portion of your savings in securities like stocks and mutual funds? 34 Total Points
  • Lesson 9 Video
  • Review Article: Investments
  • Complete: Lesson 9 Assignment
  • Complete Exam: Lesson 9: Investments

Lesson 10: Loans

Loans come in as many varieties as there are people and circumstances. 35 Total Points
  • Lesson 10 Video
  • Review Article: Student Loan Consolidation Tips
  • Complete: Lesson 10 Assignment
  • Complete Exam: Lesson 10: Loans

Lesson 11: Conclusion

You're back from your dream vacation, tanned and relaxed. With any hope, your financial outlook is rosy. Review your itinerary and your journey through the three steps - plan, execute and travel. 84 Total Points
  • Lesson 11 Video
  • Review 2 Articles: 10 Tips for Staying on Budget; Tips on Saving Money
  • Take Poll: What do you think about this course?
  • Take Survey: Program Evaluation Follow-up Survey (End of Course)
  • Complete: Lesson 11 Assignment
  • Complete Exam: Lesson 11: Conclusion
  • Complete: Final Exam
Total Course Points

Additional Course Information

Online CEU Certificate
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Document Your CEUs on Your Resume
Course Title: Personal Finance 101: How to Manage Your Money
Course Number: 8900067
Languages: English - United States, Canada and other English speaking countries
Course Type: Motivational
CEU Value: 0.7 IACET CEUs (Continuing Education Units)
CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).
Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.
Assessment Method: Lesson assignments and review exams
Instructor: John Chouinard
Syllabus: View Syllabus
Duration: Continuous: Enroll anytime!
Course Fee: $50.00 (no CEU Certification) || with CEU Certification: $75.00

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Learning Outcomes

By successfully completing this course, students will be able to:
  • Define what personal finances are and their importance on your life.
  • Define your assets.
  • Describe and define your liquid and non-liquid assets.
  • Describe checking accounts, saving accounts, mobile banking.
  • Define what your debt is.
  • Know what credit cards are and how they can be both helpful and harmful.
  • Identify investments.
  • Know loans and what to look for, and
  • Demonstrate mastery of lesson content at levels of 70% or higher.

Student Testimonials

  • "The instructor was beyond excellent." -- Janet D.
  • "The instructor was very good and gave positive feedback. Found everything in the class most useful." -- Marlis W.
  • "The Instructor seemed very nice, and answered me in a timely manner. I really enjoyed the lessons on debt, and the one on Loans. These were my favorites because of the fact I wanted to know more about this in my life. I am not overwhelmed with debt but don't want to be!" -- Theresa J.
  • "To be honest, just every thing was very well done....The instructer gave me great feedback." -- Henry N.
  • "This is a great course. Very well designed and extremely helpful." -- Mohammad H.

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