Achieving Financial Freedom: Steps to Financial Success

This is just a quick intro to budgeting. We will discuss what a budget is, tracking expenses, setting financial goals, creating a budget, saving, cutting costs, reviewing your budget, and staying accountable. Included with this lesson is a monthly budget planner you can print out to help you track expenses.

We will quickly look at filling out a simple budget.

In this lesson, we will speak about Tracking your earnings and expenses, Managing your debt, Regularly talking to your family about finances, and saving for future events and emergencies. We will also discuss setting aside time to do your budget, Listing all of your family’s expenses, Knowing how much you have left over after paying your bills, Regularly tracking your spending, and Being patient with the process.

Included is a Kakebo budget you can print out and help you track your expenses.

In this lesson, we will discuss the importance of why you should have emergency savings. We will discuss some examples of what emergencies really are and what is not considered an emergency.  We will discuss making a plan and tracking income, expenses, and goals. Every cent counts.

Here is a small list of 18 common stock market terms and definitions that you may not understand. Hopefully after listening to the previous lecture and reading this list of definitions you will have a little more understanding about the stock market.

In this lesson, we learn about 401Ks. What are they? How much should you put in? What is employer matching? We will discuss many more questions you may have.

This is a brief description of planning for retirement. We mention how much you should save, social security, Pre-tax and after tax contributions, types of retirement accounts, and building your portfolio.

In this lesson, we will discuss what the FIRE lifestyle is.  We will discuss the steps of the FIRE lifestyle and what the cost of living means. We will also look at some ways to save money and other important topics to help you retire comfortably. Attached to this lecture is the PDF document that explains more options to help you start saving today.

In this short lesson, you will read about some pros and cons of renting a home. You will also read about some myths associated with renting vs buying a home. We will also discuss how to prepare to buy a house in the future.

In this lesson, we discuss the home-buying process. Who is the real estate seller and who is the buyer? Who communicates on behalf of the buyer or seller? How much House can you afford? Do you need an inspection? How much money should you put down? We will discuss these questions and many more that you might have.

Here is the link to the free mortgage calculator tool.

This lecture contains information on types of mortgages, mortgage payments, PMI, mortgage principal, and mortgage interest.

This is just some quick information on the HELOC. What is it? How can you benefit from it? We also discuss Equity and what it means.

In this lesson, We discuss car buying. Cash, financing, or leasing. What is right for you? How much CAR can you afford? What important documents do you need when purchasing a car? What are interest rates? We answer these questions and many more in this lecture.

In this lesson, we will discuss credit cards, what they are used for, interest, how to build credit, fraud, rewards, and fees.

In this lesson, we discuss what a credit score is.  Factors that determine your credit score. We will also discuss what is on your credit report.

In this lesson, we will learn about prepaid cards and their advantages and disadvantages. We will learn about their convenience and if they have protection.

We will discuss the basics of taxes in the USA. We will mention filing status, taxable income, a few tax forms, income tax, property tax, sales tax, avoiding tax scams, and deductions.

This is a quick overview of what a paycheck is and what taxes are taken out.

There are several factors to take into account when you decide to open a checking account. It is vital to grasp the various aspects of your account, as well as how to effectively utilize debit cards and checks. We will discuss the convenience, security, and flexibility of checking accounts.

We will also discuss choosing, opening, and maintaining the right checking account and understanding the fees.

A checking account can be a tool to help with your financial needs and budget. Choosing, opening, and maintaining the right checking account for your needs involves many key decisions.

We will discuss identifying market needs, marketing strategies, competition, selling your services, evaluating expenses, developing a financial plan, fixed and variable expenses, taxes, and deductions.  We will also address insurance, licenses, and business structure.

It is important to manage stress when it comes to your finances. This lesson looks at adding mindfulness to your BUSY life. How can mindfulness help you?

Thank you for taking this course.