Budgeting For Real Life: A Realistic Approach To Money
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Budgeting For Real Life: A Realistic Approach To Money

Learn how to set yourself up for financial success while still enjoying what life has to offer you.
4.0 (3 ratings)
Instead of using a simple lifetime average, Udemy calculates a course's star rating by considering a number of different factors such as the number of ratings, the age of ratings, and the likelihood of fraudulent ratings.
7 students enrolled
Last updated 11/2016
English
Current price: $10 Original price: $80 Discount: 88% off
1 day left at this price!
30-Day Money-Back Guarantee
Includes:
  • 1.5 hours on-demand video
  • 3 Articles
  • 4 Supplemental Resources
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion
What Will I Learn?
  • Make the best financial decisions as their life evolves and changes - all while being able to participate in the wonderful life that has been given to them.
  • Have a realistic approach to being financially responsible.
  • This course will help prepare the student to decide what is most important to them in their financial success.
View Curriculum
Requirements
  • The willingness to make financial choices for a successful happy future
  • Ability to print off pdf workbook, budget worksheet and bill payment tracker
  • Access to calculator and pencil
  • Access to income and expense records
  • Excel (Optional but recommended)
  • Envelopes for envelope budgeting system (Optional)
Description

This course is designed to help you get out of debt, organize your daily budgeting and still have resources left over to experience the joys life has to offer. 

You will receive the lecture, a printable .pdf workbook to follow as we go through the course together step by step, a written and/or excel budget resource, a bill payment tracker, and a grocery shopping organizer.

We will cover everything from changing your mindset about money, to why cash is important and everything else in between, while using a common sense approach. 

Not only will you come out of this course with a fully customized, complete budget, but you will also have the knowledge on how to save money in key areas of your life. Areas like...buying a car, shopping smart for groceries, cleaning out your closet, health costs and much more.

This is a simple to follow course written by a real life, normal, every day finance nerd and Life Coach who has used this exact process to organize her personal finances in a way that has allowed debt repayment and a comfortable life.

Are you ready to be the master of your own financial situation?


Who is the target audience?
  • This course is suitable for all levels from beginner to advanced.
  • This personal finance course is designed for those who want to get out of debt and be able to afford their ideal daily life.
  • This course is designed to teach every day budgeting skills to prepare for the ability of a comfortable retirement, but does not go into investing strategies.
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Curriculum For This Course
Expand All 24 Lectures Collapse All 24 Lectures 01:34:15
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Getting Into The Right Financial Mindset
3 Lectures 09:14

Everything you need to know before starting your budgeting journey. We will cover the tools needed and some tips on how to make the most out of this process.

Preview 02:23

Learn how to dig deeper then only wanting to be debt free. This lecture will help you to think about the real reasons of WHY you want to be financially stable and what your life looks like at the point where your money issues are no longer stressful on you.

Why do you want to be financially stable?
05:13

Your success with this program will be directly related to your attitude as we go through this process of becoming more financially stable. Watch this quick video to set your attitude on the right track for success.

Attitude adjustment
01:38
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Prioritizing Your Needs And Wants
10 Lectures 38:24

What are the most important things to think about when it comes to the roof over your head? Is it best for you to stay where you are at or to move to a different home?

Preview 03:15

How to keep a $50 dinner from turning into a $100 dinner. Tips and tricks on how to grocery shop quicker and find recipes for foods that you actually want to eat instead of wasting money and time on foods that go to waste.

Needs: Food
04:00

This lecture will cover if you should keep your current vehicle or get a different one and how to save time and money when purchasing a vehicle.

Needs: Transportation
05:46

Do you want to live in a nudist colony? If not, then you probably want to buy some clothes. Plan for when the time comes to replace or add to your current wardrobe and how to save money when doing so.

Needs: Clothing
04:18

We cover most everything involved with your health, including categories like vision, dental and more. Tips and tricks on how to save money on these key categories and how to plan to pay for when you aren’t feeling your best.

Needs: Health coverage
07:18

Tithing is based on your beliefs.

This budgeting program does not require you to tithe as it is a religious belief that may not be shared by all who participate in this program. Use this particular written lecture only if you are participating in tithing.

Needs: Tithing (Based on your personal preferences this lecture is optional)
00:52

There are things in life that are considered needs but we have complete control over the expenses related to these items. This lecture will help you to understand this category of needs mixed with wants.

Needs and wants mashup
03:21

This lecture allows you to dream and think of what you want to achieve, experience and have in life and how to put a dollar amount to it.

Wants: Time to dream
03:58

Now is the time to use this lecture to prioritize your wants and to make them as realistic as possible.

Wants: Make them more realistic
02:51

How much will it really cost to live your dream life and what is the gap between reality and your dream.

The real numbers of your wants and needs
02:45
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Debt Repayment And Your FINAL Budgeting Numbers
7 Lectures 24:01

This is where we cover the almighty scary word, debt. In this lecture, I help you to take the emotion out of owing money and how to conquer those debts while using an organized, easy to follow approach.

Debt repayment: Your numbers and how to structure your debt repayment
05:25

This is where the numbers all meetup for that final expense number. Use this lecture and your worksheet to find your final expense numbers and see how much is leaving your household every month and year.

Needs + Wants + Debt repayment = Your income needs for the year
01:24

Use this written lecture to educate yourself on the importance of knowing your credit score and how your score is determined.

Preview 01:31

We will cover how to estimate your income in a quick no nonsense way. Remember, be as accurate as possible.

Income: How much you really bring in
01:45

This section briefly covers your options between using your employer sponsored 401K or a personal IRA account.

A touch on retirement
01:56

Where do you stand? Do you make enough or more than what you need to reach your goals for the year? Use this lecture to help you make those choices on what is important and how you can fine tune your numbers to reach your final goal.

Budget cuts and final numbers
05:29

If you are using the paper budget resource, use this lecture to finish filling out your budget. This includes your formulas. Get that formula cheat sheet, calculator and pencil ready to go.

Using the paper budget resource? Watch this lecture
06:31
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What To Do With Your Numbers
3 Lectures 20:49

A quick tour of your budgeting worksheet and an easy to use bill tracker worksheet to keep your bills in order. 

What to do with your budgeting numbers
08:53

If you are using the automated Excel budget resource, use this lecture to finish filling out your budget for a customized experience. Again, this resource is highly recommended to save you time and stress. It is not required.

Using the Excel budget resource? Watch this lecture
05:09

Find out if the envelope system is an option for you.This lecture will cover how to find the right categories to go in your envelopes and will help you to update your budget resource if you choose to add the envelope system.

Is the envelope system right for you?
06:47
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Graduation
1 Lecture 02:01

In this final lecture I will share some tips for your continued success. Way to go!

Congratulations...you are all done! Now what?
02:01
About the Instructor
Keli Murray Paulsen
4.0 Average rating
3 Reviews
7 Students
1 Course
Professional, Personal, Financial, Health Coach

I use a common sense approach with my guided intuition to help guide you through what life has to offer. 

Background in business development, small business marketing and a love of finance all with a lighthearted attitude and a little bit of the arts thrown in to round it out.