Personal Finance 101: From Saving to Investing for Beginners

I will take you from the beginning on how to start saving so that you can invest.

This course will go through the main financial tips and tricks. It's a course that focuses on the most important aspects only. It is for busy people who just want the 80/20 of saving to investing 101.

PS: 80/20 means the "20% of the actions that deliver 80% of the desired results".

This course contains the following:

- Outlining goals. What is itt like to be rich for you? What are your goals?

- Budgeting and detailing main expenses and revenue streams. How can you reduce your variable and fixed expenses? And how can you make more money?

- Ways to save more money daily.

- 14 Ways to Make Money on the Side: There's only so much you can cut, so let's focus on how to earn more as well.

- 12 Most Common Investing Mistakes and how to avoid them,

- The importance of Diversification and How to diversify. You want to have a well-diversified portfolio with multiple index funds across different countries and continents. The goal should be 15-20 uncorrelated assets for a balanced and high-performing portfolio.

- How to select an investment asset with your broker. Navigating broker screen, digging through admin fees and other Key Performance Indicators (KPIs) to look for in a fund

- What to look for in stocks? Price-per-earnings ratio (P/E), Return on Assets (ROA), Management compensation (MC) and other metrics.

- Compound interest and its importance. Albert Einstein reportedly said it. “Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't pays it.”

- Why Robo-Investing isn't Working. Critics of Moneyfarm, Moneybox, Wealthify, Wealthfront, and other automated platforms. How their admin fees are killing your returns.

- Fundamental vs Technical Analysis. What's the difference from a bird's eye view? Which analysis should you and I follow?

BONUS: UK Individual Savings Account (ISA) Types: Help to Buy ISA, Stocks & Shares ISA, Lifetime ISA, Pension Schemes, and how to optimise your taxes in the UK. You may skip this 5-minute bonus video if you are not a UK resident.

The resources to read and compile are the best part of this course. Downloadable files:

- Investing for Beginner's pdf presentation

- 10 Commandments of Investing One-pager for high-res printing

- Admin Fee Calculator Excel template file

- Budgeting template Excel template file.

- My total portfolio tracking Excel template file.

- 4 Essays on: a) Cash is Trash, b) Index fund explained, c) Investing in Gold, d) Investing in Small-Cap Stocks.

Why everyone should start investing TODAY?

You won't build wealth by:

- Skipping a $10 / £5 coffee

- Making your own dishwasher tablets

- Clipping coupons

- Ordering water at a restaurant

You build wealth by taking massive action towards decreasing your biggest expenses, increasing your income substantially, and investing the difference in cash-flowing assets.

Don't forget to download the resources to use and read them. They've been carefully produced for this course.

How am I and why you should trust me with your time?

I'm Vini. I'm 33 years old despite looking very young (my moisturizer is great!! :)

I'm Brazilian, Italian, and British now. I've been living in the UK since 2014.

Proudly, I built my 15-year career in Sales, Finance, and Strategy at AIESEC, McKinsey, and Mondelēz International (Cadbury) across Germany, Belgium, the US, and the UK.

As a side hobby, I blog about Business and Investments on Medium (@vinistringhini), record my own podcast "Curious about Business" and have my own YouTube channel ("Curious about Business").

From an educational perspective, I have the following education and certifications that enable me to offer this investment course:

- Master's and Bachelor's in Economics, 2010 - 2014

- Certified Financial Advisor, Level 3, 2021

My Linkedin handle is: /vinistringhini/

This course was recorded in 2020, but I update a few of the videos from time to time.

What if you are not satisfied with this course?

Udemy offers a full refund on courses that are not for you.

"Udemy offers a 30-day refund policy for individual course purchases, allowing you to request a refund within 30 days of purchase if you're not satisfied."