This guide covers the LEARNING’S available, giving you insights into Modules 1-10. Each module is designed to improve your learning experience, allowing you to learn at your own pace. You can select specific modules that interest you or take the full course for a deeper understanding. Modules 1-5 are beginner friendly and completely FREE, making them a great starting point for newcomers. Modules 6-10 are for those looking to advance their skills and are available for FREE for a limited time so take full advantage of it, offering valuable content to boost your expertise.

Phase 1: The Foundation (Modules 1, 4, 5, 9)

• Identify Your Money Personality: Use the Module 9 test results to acknowledge your natural spending or hoarding tendencies.

• Define Your “Why”: Establish a “North Star” goal that is SMART (Specific, Measurable, Achievable, Relevant, Time-bound).

• Audit Needs vs. Wants: Review your last 30 days of spending. Label every transaction. If “Wants” exceed 30% of your income, identify three “Swaps.”

• Adopt the Mentor Mindset: Commit to Discipline (goal-oriented choice) over Punishment (shame-based restriction).

Phase 2: Structural Setup (Modules 2, 3, 8)

• Choose Your Framework: Implement either the 50/30/20 Rule or Zero-Based Budgeting.

• Select Your Tech: Link your accounts to a budgeting app (like YNAB or Monarch) or set up your manual spreadsheet.

• Establish the “Joy Fund”: Allocate your guilt-free spending amount to ensure your plan is sustainable.

• Automate the “Pay Yourself First” Rule: Set up a recurring transfer to your savings account to trigger the moment your paycheck hits.

Phase 3: Defensive Strategy (Modules 6, 10)

• Debt Inventory: List every debt with its balance and APR.

• Select a Repayment Attack: Choose the Snowball Method (for motivation) or the Avalanche Method (to save interest).

• The Credit Card Rule: Commit to paying the “Statement Balance” in full every month to keep the cost of borrowing at $0.

• The Fine Print Habit: Never sign a loan agreement without calculating the “Total Cost of Borrowing.”

Phase 4: Long-Term Growth (Modules 7, 8)

• Tiered Emergency Fund: Move toward having 3–6 months of expenses in a High-Yield Savings Account.

• Sinking Funds: Create sub-accounts for annual predictable costs (car repairs, holidays, insurance).

• The 1% Challenge: Set a calendar reminder to increase your savings rate by 1% every six months.

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Start Budgeting Basics Course Module 1 – 5 or Start Free Learning’s (Advanced) Modules 6 – 10

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