Financial Literacy

Breni's Financial Literacy path covers the everyday money skills most people are never taught at school: budgeting, saving, borrowing and protecting what they have. There are 7 courses, on money basics, budgeting, saving, banking and payments, debt and credit, insurance, and planning ahead. Learners finish able to build a budget, compare the real cost of loans and write a one-page financial plan. The path is education, not advice on any product. Budgeting has to be finished before borrowing is taught, because the courses open one after another.

7 courses
10 learning objectives
Level: beginner
Language: English
Price: Subscription, free trial

What you will be able to do

Track a month of spending and sort it into needs and wants
Build a monthly budget using the 50/30/20 or zero-based method
Compare loans and credit cards by APR and total cost of borrowing
Choose between the avalanche and snowball methods for paying down debt
Read an insurance policy for premiums, excess and exclusions
Write a one-page financial plan with an emergency fund target

Full curriculum

Part 1 · Everyday money

1. Money Basics: Understanding Your Everyday Finances

Describe where money goes and why tracking it matters. Units, in order: Income, expenses and net pay; Needs compared with wants; Tracking spending for a month; Inflation and buying power; Setting money goals.

— Income and Net Pay
Learn how income, expenses, and net pay work.
- Gross vs Net Income
- Tracking Everyday Expenses
— Needs and Wants
Learn to separate essential needs from optional wants.
- Defining Needs
- Spotting Wants
— Tracking Spending
Monitor your money choices over a full month.
- Recording Every Purchase
- Finding Spending Habits
— Inflation and Power
Understand how rising prices affect your buying power.
- What Is Inflation
- Impact on Buying Power
— Setting Money Goals
Create simple financial targets for your future.
- Short Term Goals
- Planning Ahead

2. Budgeting

Build a monthly budget and keep it up to date. Units, in order: The 50/30/20 approach; Zero-based budgeting; Budgeting on an irregular income; Budgeting apps and spreadsheets; Fixing a budget that keeps failing.

3. Saving and Emergency Funds

Plan savings for emergencies and for specific goals. Units, in order: Why an emergency fund comes first; How much to keep aside; Savings accounts and interest; Saving for a goal; Automating savings.

Part 2 · Banking and borrowing

4. Banking and Payments

Choose and use bank accounts, cards and digital payments safely. Units, in order: Current and savings accounts; Debit cards, credit cards and mobile money; Bank fees; Exchange rates and sending money abroad; Avoiding payment fraud.

5. Debt and Credit

Compare the true cost of different kinds of borrowing. Units, in order: Interest rates and APR; Credit cards and minimum payments; Loans, overdrafts and buy now pay later; Credit scores; Paying down debt: avalanche and snowball.

Part 3 · The bigger picture

6. Insurance and Protection

Explain how insurance shares risk and what each kind protects. Units, in order: How insurance works; Health, life and property insurance; Premiums, deductibles and excess; Reading a policy; Scams that target savers.

7. Planning Ahead

Plan for taxes, investing basics and retirement over the long term. Units, in order: How income tax works; Pensions and retirement accounts; An introduction to investing and risk; Working out your net worth; A one-page financial plan.

Sample: Money Basics: Understanding Your Everyday Finances

The opening tier, (Income and Net Pay). Learn how income, expenses, and net pay work.

Gross vs Net Income

Understand the difference between total earnings and take home pay.

Tracking Everyday Expenses

Identify money spent on regular bills and daily items.

Questions about Financial Literacy

What is financial literacy?

Financial literacy is the knowledge to manage everyday money well: budgeting, saving, using credit and avoiding costly mistakes.

Is this financial literacy course financial advice?

No, it is not financial advice. The path explains how money tools work so you can make your own informed choices.

Who is this financial literacy course for?

Anyone starting to manage their own money, including students and people in their first job. Breni uses examples from several countries, such as mobile money and credit scores.

What is the 50/30/20 budget?

It splits after-tax income into 50% for needs, 30% for wants and 20% for saving or paying off debt. The budgeting course shows how to adjust it when those numbers do not fit.