Free personal finance quick course by PocketGuard

Are you interested in learning how to manage your personal finance? Your first confident steps in financial education start here. Complete the PocketGuard finance quick course and budget the right way!

Key concepts


Gain knowledge of the primary financial factors


Examine the rationales and techniques


Make informed decisions in both your personal and professional life

Financial Literacy Statistics Overview:

What we offer is of the utmost value in the life of every person.

Only 24% of millennials understand basic financial topics.

Just ⅓ of people around the globe today realize and can define the main financial terms.

Four of seven US citizens are financially illiterate.

American states that required young learners to get involved in finances & accounting went up by twenty-four percent.

1. Intro


Welcome to the PocketGuard personal finance basic course.

This short course will help you to become smarter about your money, make better decisions, and find your way to budgeting effectively.

Every course part is a bite-size piece of useful information that makes you more informed about necessary aspects of money management.

What is budgeting?

A budget is an estimation of income and expenses over a specified future period of time and is usually compiled and re-evaluated on a periodic basis.

Budgeting is crucial to manage your monthly expenses, prepare for emergencies, and be able to afford some things you need without going into debt.

Keeping track of how much you earn and spend doesn't require you to be good at math, and doesn't mean you can't buy the things you want. It just means that you'll know where your money goes, you'll have greater control over your finances.

Who needs a budget?

Creating and using a budget is not just for those who need to closely monitor their cash flows from month to month because "money is tight." Almost everyone—even people with large paychecks and plenty of money in the bank—can benefit from budgeting.

Budgeting is a wonderful tool for managing your finances, but many people think it's not for them. As was mentioned before, budgeting is a great way to find out where your money goes. Knowing not only your income but expenses as well makes you much better at decision-making. You'll be able to find plenty of room for improvement.

As you see, everyone needs a budget!

How to budget?

In general, traditional budgeting starts with tracking expenses and building an emergency fund. The emergency fund acts as a buffer and should replace the use of credit cards for emergency situations to eliminate debt growth.

The key is to build the fund at regular intervals, consistently devoting a certain percentage of each paycheck toward it, and if possible, putting in whatever you can spare on top. This will get you to think about your spending, too.

The more space you can create between your expenses and your income, the more income you will have to pay down debt and invest.

In a few words, good budgeting is to earn more than you spend and using that amount to put you in a better position by eliminating debts and growing savings.

Sticking to budget

The point of the budget is to help you build the financial future you deserve. So think about where you wanna be and keep in mind that sticking to your budget will help you get there.

Make it really difficult for yourself to make impulse purchases: set up barriers so you have time to stop and think: "Do I really need this stuff?" Remember, adding your debt load will not place you in a good position.

It's difficult to predict how much money you'll need in every category of life. That's why it's important to have a regular check on how you've budgeted. If the current approach isn't working, tweak it. Use historical data to understand your spending habit and work on improvement.

Once again, make sure you keep your long-term financial goals in the picture.

Question 1:

What's the most important thing about budgeting?

Answer 1: To use a credit card wisely

This is a good thing to do but not the most important thing about budgeting.

Answer 2: To save money

That's important but savings is not the most important thing about budgeting.

Answer 3: To track expenses and make informed decisions

You are right! Knowing where your money goes is the most important thing about budgeting.

Question 2:

Who needs a budget?

Answer 1: Those people who need to closely monitor their cash flows

These people definitely need a budget. But what about other people who will benefit from knowing where their money goes?

Answer 2: Only people with large paychecks

Really? What about people who try to make ends meet? Think again.

Answer 3: Everyone needs a budget

Yes. Everyone who cares about the financial future needs a budget.

Question 3:

Why do you need an emergency fund?

Answer 1: To improve financial security

Yes. Having this buffer allows you to cover unexpected expenses without going deeply into debt.

Answer 2: I don’t need an emergency fund

Hm... What you gonna do if you lose a job or have to do major home repairs? C'mon!

Answer 3: Just in case

That's fair... partially. Lots of stuff can be that "just in case". An emergency fund is for emergencies. New PlayStation is not an emergency.

What’s your income?

Figure out your after-tax income. If you get a regular paycheck, the amount you receive is probably it, but if you have automatic deductions for a 401(k), savings, and health and life insurance, add those back in to give yourself a true picture of your savings and expenditures.

However, if you work as a freelancer, have side hustles, earn hourly pay or overtime or rely on tips or commission, your monthly income is a bit harder to calculate. Take your income information for the past six months and calculate the average. This will be your starting point. You can adjust it anytime later.

50/30/20 budgeting

The 50/30/20 is a simplified plan where you break down your expenses into three categories: needs, wants, and savings.

50% of your income should go towards needs, 30% should be devoted to wants, and 20% should get put into savings and emergency fund.

Dividing needs from wants can be tricky. "Needs" include your only vital necessities. You might think that groceries are a need, but there are items that are "wants." For example, the fruits and vegetables you buy at the store are a need, while the choco candies are a "want." Be honest to yourself. Needs and wants shouldn't be mixed.

Envelope Budgeting

The envelope budgeting method involves allocating a set amount of cash to each budget category for the month. This is hard but it works. To estimate the needed amounts you need some historical data to check how much money you've previously spent for each category.

The envelope method works especially well for people who find themselves overspending: swipes first and does the math later. Instead, actually seeing how much money is left in the relevant envelope can be a great border from spending more than you’d planned.

You can track as many spending categories as you want but try to keep the process clear. Too much is not good.

Zero-based budgeting

Zero-based budgeting is a method that has you to give every dollar a job. The goal is that your income minus your expenses equals zero by the end of the month. This method is extremely effective but really hard to manage.

You can use the same expense categories and amounts every month. It looks the same as envelope budgeting, which involves distributing money for different expense categories into envelopes, but nudges you to allocate the entire income.

The zero-based budget keeps you aware of how much money flows in and out. This can prevent you from spending what you don’t have.

Following a zero-based budget eats up lots of time. If you are new to budgeting, we offer to start with more simple techniques like 50/30/20.

Compare and Adjust

Compare your expenses to your income. If your spending lower than or equal to your income - your budget is balanced.

In the opposite case, you need to adjust your spending. You can do this by playing with any of the non-fixed expenses.

An important thing about your adjustments is that you should focus on variable spending (such as your grocery or entertainment) before you reduce your savings for your financial goals. Protecting this line in the budget will help ensure you reach the important financial milestones that matter to you.

Question 1:

50/30/20 budgeting is:

Answer 1: 50% for savings; 30% for bills; 20% for fun

Basically, the savings rate is a bit lower. Try again.

Answer 2: 50% for needs; 30% for wants; 20% for savings

You're right. Distribution money this way allows to cover all the basic needs and take care of savings.

Answer 3: 50% for needs; 30% for savings; 20% for wants

Hm... Almost. Try again.

Question 2:

What is Envelope budgeting?

Answer 1: All paychecks need to be cashed out and placed in an envelope to avoid overspending

This might work but you definitely should allocate some money for living.

Answer 2: The envelope budgeting method involves allocating a set amount of cash to each budget category for the month

You are right. The envelope method nudges you to know your spending categories, set limits, and stick to them.

Answer 3: The envelope budgeting method involves allocating a set amount of cash to at least 10 budget categories for the month

This method doesn't have recommendations about the number of categories you must set. It's up to you.

Question 3:

What is zero-based budgeting?

Answer 1: Zero-based budget forces you to give every dollar a job

You're right. This is how you can be aware of how much money flows in and out.

Answer 2: The easiest budgeting method in the world

Depends on the world. Try again.

Answer 3: The budgeting method I should start from if I'm totally new to budgeting

Zero-based budgeting is a bit complex for nubies.50/30/20 is a much better way to start budgeting.

What are financial goals?

Financial goals are savings, investment, or spending targets you work to achieve over some period of time. The current stage of life usually determines what type of goals you have.

The most common financial goal is to save enough money to purchase something. Let's say you saw that cool fancy shoes for $700. Can you buy them without affecting your budget? If not, it seems you have a financial goal. If you save $100 / mo (goal monthly contribution) you'll be able to buy that shoes in 7 months.

This is just a basic example of what the financial goal typically is and how it should be set to achieve in a reasonable period of time.

How to set financial goals?

  1. Apply a SMART goal strategy. This means you have to make sure your goal is Specific, Measurable, Achievable, Relevant, and Timely. SMART.
  2. Create a realistic budget. How much money are you able to contribute to your goal on a monthly basis? Does this amount fit your budget? Increase or decrease it relying on the numbers you see.
  3. Start a short-term deposit or use a specific savings account to save your goal monthly contribution. Make sure this money is untouchable until you have the needed amount.
  4. Monitor your progress. Set milestones to hit. Use the big power of small wins to motivate yourself moving forward.

How to achieve financial goals?

The best way to reach your financial goals is by making a plan that prioritizes your goals.

When you examine your own goals, you’ll discover that some are broad and far-reaching, while others are narrow in scope. Your goals can be separated into three categories of time:

  • short-term financial goals take under one year to achieve (taking a vacation, buying a new refrigerator, or paying off a specific debt).
  • mid-term financial goals (purchasing a car, finishing a degree or certification, or paying off your debts).
  • long-term financial goals (over five years), typically require longer commitments and often more money (buying a home, saving for a child’s college education, or a comfortable retirement).

The goal-setting process involves deciding what goals you intend to reach; estimating the amount of money needed and other resources required and planning how long you expect to take to reach each of your goals.

Once again about SMART financial goals

To make sure your goals are clear and reachable, each one should be:

  • Specific (clear and specific).
  • Measurable (Assessing progress helps you to stay focused, meet your deadlines, and feel the excitement of getting closer to achieving your goal.).
  • Achievable (Your goal also needs to be realistic and attainable to be successful.).
  • Relevant (your goal matters to you).
  • Time-bound (Every goal needs a target date so that you have a deadline to focus on and something to work toward.).

SMART is an effective tool that provides the clarity, focus, and motivation you need to achieve your goals. It can also improve your ability to reach them by encouraging you to define your objectives and set a completion date. SMART goals are also easy to use by anyone, anywhere, without the need for specialist tools or training.

Question 1: What is a financial goal?

Answer 1: Financial goals are savings, investment, or spending targets you work to achieve over some period of time

You're right. The financial goal requires a clear target and deadline.

Answer 2: Financial goals are savings, investment, or spending targets you work to achieve someday

The financial goal requires a clear target and deadline. "Someday" is not an option.

Question 2: Who needs SMART goals?

Answer 1: People in government

Hah. Some of these guys definitely need to learn more about SMART goals. But try again.

Answer 2: Everyone

Sure thing. If the goal is specific, can be achieved in a reasonable timeframe, relevant to your needs and can be measured along the way, it gives tons of motivation to move forward.

Question 3: How to achieve financial goals

Answer 1: Work hard or die trying

Good choice for those who know nothing about planning. Try again.

Answer 2: Design a plan and stick to it

Right. A plan gives you a direction, discipline gives you the power to implement it.

Answer 3: Do whatever you want. Success comes to people who deserve it

Hm... Take a look around. See all those desperate people? They have the same mindset. Try again.

Few words about debts

The first thing you should understand is that debt has a ripple effect across your entire financial life, including your credit scores.

Revolving debt primarily comes from credit cards where you can carry, or revolve, a balance from month to month. You can borrow as much money as you’d like — up to a predetermined credit limit — and interest rates are subject to change. Your monthly payment may vary on revolving debt depending upon how much you currently owe.

Installment debt comes from mortgages, car loans, student loans, and personal loans. In most cases, the amount of money you borrow, the interest rate, and the size of your monthly payments are fixed at the start.

Remember, you must make payments on time. When you miss a payment, your lender could report it to the credit bureaus — a mistake that can stay on your credit reports for seven years. You may also have to pay late fees, which won’t impact your credit scores, but can be burdensome nonetheless.

Aside from your payment history, the way each type of debt affects your credit is quite different. With installment debt, like student loans and mortgages, having a high balance doesn’t have a big impact on your credit.

But revolving debt is another matter. If you carry high balances compared to your credit limits on your credit cards from month to month, it will likely have a negative effect on your credit scores — especially if you’re doing it with multiple cards.

Assess the amount of debt you owe

It’s important to understand the total amount of debt you owe. Having a clear understanding of the numbers will empower you to make a repayment plan that actually works.

Many people may be unsure what the total is across all of the accounts, so the first thing to start is to visualize what you owe across different accounts.

Link all your credit cards to get the entire picture of your debt landscape.

Learn the details

After you’ve determined the total amount you owe, it’s time to dig a little deeper and read the fine print. Are you aware of:

  • due date for each payment
  • minimum monthly payment
  • interest rate

It’s important to know the details because they will ultimately help you determine the best repayment plan.

A minimum monthly payment is the smallest amount of money due each month to keep your credit card account in good standing. Most banks determine the minimum payment by calculating 1 percent of the total balance owed.

Make a debt payoff plan

Once you understand the big picture, it’s time to create a debt payoff plan. There are two main debt repayment strategies.

Debt snowball. Pay off the smallest debt first, while maintaining minimum monthly payments on all other debts. As each debt is paid off, the money that was used for the previous debt is “snowballed” and used to pay the next smallest debt. This process is repeated until all debts are gone. Choose this strategy if you need additional motivation by seeing all debts are paid. But this will not save as much money as the avalanche method.

Debt avalanche. Pay off the debt with the highest interest rate first, while paying minimum monthly payments on all other debts. After that, consumers focus on the debt with the second-highest interest rate and repeat the process until all debts are gone.

Celebrate small wins

It’s important to celebrate your debt repayment victories to keep your motivation high. Let's say you paid off the first $1000. Great! Treat yourself!

Set milestones within your larger debt payoff plan. Once you achieve one make something for yourself. What about ice cream? :)

Plan a budget for such things to stay on track. Especially if you follow a zero-based budgeting strategy.

Stop Creating Debt

You’ll never get out of debt if you’re continually adding to your balances. Stop using your credit cards, but don't close the accounts because that will hurt your credit score.

Stop getting loans so you don't have the ability to create additional debt. New debt increases the payments you have to make, which creates additional strain on your monthly income. It’s tough to live without credit cards, but if you’re serious about getting out of debt - find a way to live on your income.

Ask Your Creditors for a Lower Interest Rate

A high-interest rate makes it harder to pay off your debt because more of your monthly payment goes toward interest charges. Lowering your interest rate reduces the monthly interest you pay and allows you to pay off your debt faster.

A good credit score and positive payment history give you more leverage toward getting a lower interest rate. If your credit card issuer won’t budge, consider transferring your balance to a credit card with a lower interest rate. Taking advantage of a 0% balance transfer offer is even better.

Refinanced some credit cards with personal loans

For anyone who finds themselves on the wrong end of credit card debt, personal loans can be a lifesaver. If your credit score is at least above average (650 or higher), you may be able to get a personal loan of up to $35,000 at a lower APR than your credit cards.

This is how you can save money on interest.

Question 1: Choose the most important aspect of debt management:

Answer 1: To stop increasing debt amount

Right. You should work to decrease, not to increase your debt.

Answer 2: To stop using credit cards

This could help but this is not the most important thing about debt management.

Answer 3: To have a debt payoff plan

Having a plan is good but this is not the most important aspect of debt management.

Question 2: Why having a debt payoff plan is important?

Answer 1: A debt payoff plan is your roadmap to a debt-free future

Right. A debt payoff plan is a step-by-step guide to a debt-free future.

Answer 2: I don't think it's important

Okay. We recommend to re-read a debt management module. By the way, we think you gave a wrong answer. Try again.

Answer 3: Because the budget must include all the spending I have

es, but this not the main purpose of the debt payoff plan.

Question 3: What is the most profitable debt payoff strategy?

Answer 1: Snowball (the lowest balance first)

Wrong. This strategy gives you additional motivation by small debts fast repayment, but can't save you much money.

Answer 2: Avalanche (the highest interest first)

Right. By repaying the most expensive debts first you saving lots of money.

Trim your expenses

If your budget shows your expenses outweigh your income, search for ways to cut back. One of the easiest ways to trim your expenses is to evaluate how much money you’re spending on the things you want but don’t necessarily need. For example, a Starbucks coffee costs about $5. Let's say you get it 2-3 times a week. See the room for improvement? Good!

Another way to cut your expenses is to see if you can lower the cost of services you use.

Every month is different

Some months you’ll have to budget for things like school supplies or car maintenance. Other months you’ll be saving for things like birthdays and holidays. Make sure you prepare for those expenses in the budget. Keep those things from sneaking up on you.

Be sure to adjust your budget each month as things change. This will protect you from stress. Have a plan to make things predictable.

Get everyone involved

Ensuring that you aren't the only person within the household keeping a budget. Make sure to get the entire family involved. This is crucial for sticking to a budget.

Talks about money are never easy. Unless you have enough to buy all the stuff around. If you have a family budget, all the family should know how much money do you have this month to spend on all the things planned. This is important because every related person should keep in mind all those numbers to avoid overspending.

Once again. Talks about money are not easy. Be patient explaining the family budget and why everyone should stick to it. This may cause some stress along the way. Especially if you didn't budget before. But you are the only person who can take care of business and you'll do it for sure.

Analyze your data on a monthly basis

Setting SMART goals and tracking your spending habits is the most important part of budgeting. Analyzing this data each month can provide immediate feedback that allows you to tweak your budget.

Check the "Insights" tab to see your spending by category, merchant, hashtags, and other reports. This data allows you to make informed decisions. You can check these reports more often but try to keep in mind the bigger picture.

Don't forget about leisure

Setting SMART goals and tracking your spending habits is the most important part of budgeting. Analyzing this data each month can provide immediate feedback that allows you to tweak your budget.

Check the "Insights" tab to see your spending by category, merchant, hashtags, and other reports. This data allows you to make informed decisions. You can check these reports more often but try to keep in mind the bigger picture.

Not having Emergency fund

If you’re only budgeting for your monthly spending and not your savings, your budget may be doomed from start. Bad things happen when we’re busy making other plans. Every reasonable budget needs a line for emergency savings. Are you one of the 39% of Americans who don’t have an extra $400 in the bank for life’s unexpected “blips”? Start fixing it now.

To avoid this budgeting mistake, make building your emergency savings a priority. Experts recommend an emergency fund of six weeks of your take-home pay. Try setting small, achievable goals first, like 5% of your income. If you follow the 50/30/20 pattern you know that savings should take about 20% of your income. Build your emergency fund first, then move forward to another financial goal.

Ignoring data

A bulletproof budget begins with knowing how much you actually spend for living each month. Yes, it’s boring to sit down with all your bills and recurring charges to get accurate numbers. Those numbers are your key to a budget that works and drives you to the financial future you deserve.

To avoid this budgeting mistake - know monthly expenses. Including how much money you take out of the ATM in cash. Make sure that your budget is real and accurately reflects all your monthly obligations.

Cutting out the Fun

Having a budget might sound as if there’s no room for entertainment, but cutting fun out of your budget could become a really big mistake. It’s okay to want to pay off debts as quickly as possible, but you also need some money to keep your mental wellness. So, having fun is a must.

Remember the 50/30/20 pattern? 30% is for "wants". You can lower this limit if you're focused on achieving some financial goals right now. But keep in mind that you need a budget for fun to avoid burnout. A burnout person doesn't need a budget at all.

Plans face real life

So, you set down to make a budget. You follow the pattern, research your spending habits, set spending limits. Now your budget seems almost perfect. You're satisfied with the work you've done and ready to meet your financial goals. But, life is life. Do your best to stay realistic with your expectations.

We told it a few times before but one again: review your budget every month to make it fit the current situation. The best budget is one that drives a balance between your financial goals and daily life. Don't be too strict with yourself. Anyone can fail. Adjust your budget when it's needed and move forward.


You've successfully completed PocketGuard budgeting quick course. It's time to apply the received knowledge to practice.

Remember, the budget itself is just a part of the success story. It takes really hard efforts to start following it. Almost everyone fails at the very beginning so don't blame yourself. Get lessons learned and move forward.

Hope you'll find PocketGuard as a reliable budgeting partner.

Sincerely yours,

Team PocketGuard

Frequently asked questions

How much would it cost me to pass financial courses online from PocketGuard?

On our website, every user will find a free online course in finance to cover various topics necessary for wealth. The best thing is that we provide education of the same high level as you would find inexpensive business schools. In other words, the quality of our content does not suffer. So does the quantity of the course learning materials. We believe that every second you spend on our site is worth it.

Who will benefit from entering our online courses?

In fact, our courses are for everyone. It does not depend on your age, location, gender, or proficiency level. There is always room for learning something new about finance, and it is never too late to study. It does not matter whether you have any difficulties or if everything is okay. We can open new doors to every user.

Even if you believe that you are too young to master the nuances, do not worry. Our course in finance has all the necessary tools for beginners. Our pros will lead you all the way through to your learning objectives. None is too young or old to master finances. Technologies do not standstill. The world keeps on evolving, and there are more and more solutions that appear with each new year to assist with managing your budget.

In case you’re facing issues with money (e.g., lack of savings or debt), do not hesitate to join us and learn more about finance.

What can our special online course offer you?

Our experts in finance do their best to guarantee you a secure and wealthy life. With us, you will learn how to make necessary financial decisions quickly. Savings, spendings, budget planning, and finance management - are some of the basic categories that our course covers.

Is it possible to study finances on my own?

Sure, it is possible to study almost any finance topic in this world alone. You can find various learning materials online. They include guides, e-Books, presentations, video content, and other types of tools. However, this method is not as effective as our professional course.

Still, no self-learning websites and tools can offer professional guidance and grading. As for us, we guarantee guidance, structure, and motivation for our students. Our experts in finance will lead you and tell you what to learn and how to achieve the best results as soon as possible. We know how to test your skills and knowledge of finance. It is not possible to evaluate your skills objectively on your own. Our pros will let you know how to put theories into practice while studying. We will make sure that you follow every tip and instruction within the app.

What’s in the box?

Financial literacy is just as important as grammar literacy, for instance. However, not so many people can afford to pay for extra educational courses to learn more about cash, budgeting, loans, finance in general, accounting, etc. Not everyone has the time or access to financial education.

It has a solution in the shape of a modernized finance application that contains a course. As a finance app, we feel responsible for contributing to improving our user’s wealth. Our special course helps our customers better understand the subject area and effectively use the available online tools.

Although there is a lot of talk in the US about money and ways to manage them, and some school programs include many different business courses, including accounting and finance management, to assist young people with controlling their budget, the majority still remain financially illiterate. That’s why we’ve created our own free online course that works tight with PocketGuard and increases your personal finance education.

Online Financial Education to Make Better Decisions

More and more educators join our team to share financial tips and tricks with you, as well as add new topics to our course. Those are finances for everyone, with no exception. Our online course covers plenty of relevant topics, including all fundamentals. The experts will explain how to choose appropriate strategies for better decision-making.

Among all, as a student of our online finance course, you will learn how to set priorities when spending money. It will prevent you from overspending and being stuck with debts. In our course, you will discover why the so-called emergency fund is vital.

Our personal finance course aimed to guarantee you a wealthy life and even happy retirement. While some aged people suffer in poverty, others relax on cruises and luxurious resorts. Do you know why it ever happens? That is because some people care not only about today but about tomorrow as well. They know how important it is to control their budget, manage debts, prevent loans, save money for the retirement age, etc. Our course covers all these topics and even more.

The finance course that explains how to earn money for retirement consists of modules. This online course is fully self-guided. Many interesting themes are interpreted by product managers. For instance, this course is a chance to understand your risk tolerance and navigate simplified staff pensions. It is all about achieving a financially safe retirement for you.

Personal Financial Education Affordable for Everyone

Just like a real finance school or college, our online service offers several levels of financial literacy in a universal course. First, you have to master the beginning level.

All of the additional finance materials that we offer online are free of charge. Mostly, our learning system is based on a DIY method. Students will discover the most effective saving strategies in our course. They will get valuable hints on how to become financially independent and set short-term and long-term financial objectives to succeed in life.

Who Will Teach a Course in Finance to You?

This website offers a quick course by PocketGuard product managers and Master’s professors. Each of them possesses at least two years of relevant experience in finance. They all have the skills and knowledge necessary to teach you a course on how to operate better with your finances and plan your budget.

You may think that you know everything about finance that you need in life. However, it is not always this way. Many people overspend as they do not know how to set priorities properly. For instance, don't you know that biases influence the way you spend on meals and leave tips? It is also vital to allocate for insurance. How about saving for retirement? We will share tips in our course.

Learn How to Make and Spend Money in Our Course

We are ready to share valuable knowledge, as well as secrets of managing money in our course. We have prepared tons of educational materials for our users. We also suggest that you should take financial exercises and pass tests and quizzes to see how well you do in our courses.

Our team has come up with a long list of finance topics to cover with you during the entire course. Some of the finance themes are associated with budgeting, savings, debt payoff, etc. It was developed mainly for dummies but skilled financial specialists will also find something new and helpful recommendations on our platform.

How to Invest Money Properly

Many people realize that investing money is one of the most effective approaches to growing their budget. Our course provides both conceptual and practical knowledge for students of different ages and experiences. You will discover many ways to plan and control your budget. This course will show how to manage or even prevent risks in finance and start to save.

In addition to perfect time management skills, we are ready to teach you how to delegate various financial assignments to trusted authorities. You should remember that security always comes first in finances. We will share more than useful tips and tricks; we will share access to PocketGuard and tools that will guide you all the way through. With the help of our course, you will easily detect barriers that may prevent you from economic prosperity! Do not forget to pass tests after each module to watch your progress in our course.

Get all the PocketGuard benefits

Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose?