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The Smart Way To Personal Finance Success!

Name: The Smart Way To Personal Finance Success!
Rating: 4.4 (296 reviews)

Step By Step Blueprint To Fund Investing For College, Home, Financial Independence, Retire Early, Travel, Any Big Goal!

Created bySteve Ballinger, MBA

Last updated 2/2026

English

What you'll learn

Know what is the right percentage of income to save.
Choose a budgeting tool that works best for their situation.
Evaluate different manual and online budgeting tools.
Understand the importance of automating their saving and spending.
Identify and resist the key behaviors that can throw their plan of track.
Gain confidence and fully grasp the time value of money and how to use to their advantage.
See how the instructor uses the principles in his daily life.
Take the first action steps that will turn their savings into investments that later fund their goals and dreams!

Course content

7 sections • 27 lectures • 2h 7m total length

Course Overview4:46
Brief overview of the course.
Why Many Of The "Rich" Live Paycheck To Paycheck5:45
Surpising truth based on research that the rich are not as rich as they may appear.
Understanding Net Worth: How The Successful Keep Score4:16
How to calcluate net worth and teh impoartance of using that as our measure of success.
Can I Save A Ton Of Money And Have A Life?5:02
Being effective with money does not mean forging everything in your live today for a future tomamrrow. It takes balance.

What Percentage Of Your Income Should You Save?4:55
Too little saved as a percentage will make it difficult to reach your future goals. This lesson looks at the right amount and understandingin balance.
Is There Such A Thing As Good Debt And Bad Debt?4:19
Are loans for things such as an education or a home considered "Good Debt?" and what is the best way to view debt.
Small Purchases Really Add Up. The Famous Latte Factor6:35
The surprising truth that your small daily piurchaes can add up to be a drag on aciveing your financial goals.
Big Purchases. How To Avoid Big Mistakes When The Stakes Are High.3:49
Takes a lot of Latte's and small purchases to make up for big purchase misatakes.
Credit Cards. The Right Way To Use Them From A Top 1% Credit Score Holder.5:47
Learn how to properly use credit cards and avoid big interest payments, fees, and penailties from a top 1% credit score holder.
Quiz Saving

Why Businesses Track Results And You Should To.2:06
Tracking results is omprtant to know if you are succeeding or if off track. Tun a basic business principle into a powerful pesonal finance tactic.
The Easiest Most Effective Budget Tool To Solve Your #1 Issue Ever!3:21
So simple and so effective you can put it inplace within 2 minutes of finishing this lesson.
Using A Spreadsheet For Budgeting3:59
Long-time tool for budgeting and how you can adapt to your own situation and the importance of drilling down from general expenses such as entertainment to sub categories such as movies or books to identify saving opportunities.
Online Budgeting Tools Overview. Mint and More!10:36
Overview of 7 popular online tools that can make budgeting easier and more powerful.
How To Choose The Best Budgeting Tool For Yourself.2:12
Actually very easy and there are 3 main components to look at when deciding. No one size fits all and this lesson gives you the insight to pick what is the best and easiest method for you.
Quiz Managing

Automate Or You Won't Do It.7:22
Autotmation is a core concept and if not done properly or at all makes it diffcicult to hit your financial goals as poor decision making and bad behaviors can creep in.
Automating Savings & Spending4:40
Learn the top reason you should automate both your savings and your bill paying.
Systematic Saving To Grow Money And Reduce Ris2:24
Systematicn saving makes it easy and takes out of play bad habits or a poor decsion that can negatively imapct results.
Automation And Found Money3:15
Found money is unexpected money both small and large amounts and how automation helps you to stay on track and not spurge on a big expense.
Quiz Automating

Who Are The Jones'es And Why We Should Not Care.5:14
Metaphor for competing materially which leads to us being our own worst enemy when it comes to saving money.
Resisting Certain Behaviors And Habits4:11
Learn the importance of identifying the top 2-3 behaviors that are unique to you that can be really holding you back.
Important To Resist These Top 5 Mistakes That Are Financial Killers8:04
The top 5 financial mistakes that can really put your savings plan in jeapordy.
Quiz Resisiting

Time Is On Your Side And What Einstein Knew.5:48
How compounding interest and time work together to grow your money even faster.
Time To Invest2:52
Now that you are saving more and have learned about the impact that compounding iterest has over time look at making that money grow to fund your goals and dreams with investing.
Time To Give2:28
This short lesson looks at the benefits of giving as part of your financial and human picture.
Quiz Time

Shocking Ways The Instructor Executes The Plan.6:49
Leading by example the instructor shares some of the real life things he has done and continues to do that have tremendous resutls and that can be adpated into your own life.
Top 5 Action Steps To Take Now Plus A Bonus Step4:31
The key steps you can do immediately that will take what you learned into action and put you on the road to success!
Lets Keep The Learning Going2:15

Requirements

Students need to come with a desire to save more money to help fund their big long-term goals.

Description

****Join 1000+ Students***

"I really enjoy Steve's approach. It's informative and approachable. I've researched various ways to get out of debt and start investing and Steve does a great job of compiling what I have learned. For me, it's a great reinforcement of positive behavior. For someone looking for direction, I think this course is a great place to start. Thanks so much!" --Jordon P

The ability to save money is critical as it is the behavior that funds your investments and investments are what fund your biggest goals and dreams.

Unfortunately, many people do not receive the key educational information and best practices that make the difference between success and failure when it comes to saving money.

THIS COURSE WILL TEACH YOU BEST PRACTICES IN ORDER TO SAVE A LARGE SUM OF MONEY OVER TIME WITHOUT LIVING LIKE A PAUPER.

Not boring theory. You will learn practical tips and best practices from an instructor who started with nothing (Actually $10,000 in student loans living in a 1-bedroom apartment above the garbage cans) to building a million dollar investment portfolio. All of it started by using the techniques and best practices shared in this course to become an expert saver of money.

No get rich quick scheme or a course that is designed to sell you consulting services this course has one mission and that is all about sharing of experience and wisdom so you can personalize your learning and hit your own goals!.

Some of the things you will learn are:

The SMART Process to saving and prodigious wealth.
What percentage of income to save to for success.
Is there such as thing as good debt?
The proper use of credit cards.
How to manage small and large purchases to reduce expenses..
Budgeting tools that work.
An overview of popular online tools to help you save and manage expenses.
The importance of automating both your saving and your bill paying.
The top 5 mistakes that are financial killers and how to avoid them.
How time and the magic of compounding can help you reach your goals.
How the instructor uses the principles that you can adapt to your own life.
Key action steps to take now plus a bonus step to insure success.

Disclaimer Note: This course is for educational and informational purposes only. There will be no recommending of any particular investments such as a particular stock or mutual fund, particularly as this course is focused on saving money and reducing expenses. Consult with a Professional for specific advice. Course is for education purposes only and instructor will have no liability related directly or indirectly to any loss or damage.

No risk to sign up with the Udemy 30-day money back guarantee and impact could be life-changing. Learn from my experience and rapidly move ahead faster with the knowledge I will share with you. Don't delay.

Please click the TAKE THIS COURSE button in the upper right corner and let's get started!

Many thanks and I appreciate your interest and hope to see you in the course!

-Steve Ballinger

Who this course is for:

Course is great for anyone struggling with saving more money and looking for practical best practices and techniques.
Course also great for someone who has some savings and wants to take it to the next level!
Not an investment course (Stocks, Bonds, Etc...) but designed to help save money to fund investments and future goals!

The Smart Way To Personal Finance Success!

What you'll learn

Explore related topics

Course content

Introduction4 lectures • 20min

S=SAVING5 lectures • 25min

M=MANAGING5 lectures • 22min

A=AUTOMATING4 lectures • 18min

R=RESISTING3 lectures • 17min

T=TIME3 lectures • 11min

NEXT STEPS3 lectures • 14min

Requirements

Description

Who this course is for: