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Yahoo Finance Plus 5 Free or Cheap Online Courses To Help You Better Manage Personal Finances
Personal finance knowledge can help you build good financial habits, manage your money well, achieve a solid credit score and reach your savings goals. However, only 21 U.S. states require high school students to take a course in personal finance, according to the Council for Economic Education. But just because the majority of states don't place an emphasis on personal finance knowledge doesn't mean that Gen Zers haven't been getting their knowledge from somewhere.
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A GOBankingRates survey found that slightly over 22% of Gen Zers are turning to friends and family for personal finance advice. And 38.8% of Gen Zers are getting the bulk of their advice from YouTube, TikTok and other social media. However, the problem with getting personal finance advice from social media is that it can contain misinformation, especially when it comes to topics like investing.
If you're interested in personal finance facts you can rely on, here are five personal finance online course options that will help you learn about the financial steps you should be taking now.
Last updated: Sept. 21, 2021
Udemy: Personal Finance 101 -- Everything You Need To Know
Cost: Free
Length: 2 hours, 59 minutes of on-demand video
Where to get it: Personal Finance 101: Everything You Need To Know
If you're looking for a personal finance course that you can finish in a couple of evenings, you've found it. This course from MoneyCoach features over 52 videos, which deliver practical financial advice about building credit, managing debt and investing. The best part is each video is five minutes or less. You'll also learn about credit cards, saving for retirement, different types of insurance and much more.
Check Out: 6 Most Important Financial Skills That Should Be Taught in School
Brainy Money: The Core Four of Personal Finance Beginner Class
Cost: $20
Length: 16 modules, self-paced
Where to get it: Brainy Money: The Core Four of Personal Finance Beginner Class
Brainy Money offers courses specifically for millennials and Gen Zers, which were put together by Son Han, a CPA and chartered financial analyst. And while this class isn't free, it's very affordable, especially considering the amount of information it offers in bite-size videos of no more than three minutes each. The course is based on these Core Four principles:
Earn More Than You Spend
Pay Off All Your Debt
Cut Your Spending By Practicing Essentialism
Invest 10 a Month Through Betterment
Bonus: If you're interested in taking more than one of Brainy Money's personal finance courses, you can gain access to all current and future courses for $19.99 per year. So essentially, it's like buying one course and getting the rest for free.
Financial Literacy: The Key Components You Need To Know
edX: Personal Finance Planning
Cost: Free
Length: Five weeks (three to four hours per week)
Where to get it: Personal Finance Planning
Offered by Purdue University and led by professor of consumer economics Sugato Chakravarty, this free course uses real-world examples and academic research to teach you about these personal finance concepts:
Managing finances and making better financial decisions
Time value of money
Basics of investing
How to use credit judiciously
How insurance works
Saving for retirement
See: 25 States That Are Trying To Add Personal Finance Education to High School Curriculums
Clever Girl Finance: Build a Solid Foundation (Bundle)
Cost: Free
Length: Varies per course
Where to get it: Build a Solid Foundation (Bundle)
Clever Girl Finance, led by founder and certified financial education instructor Bola Sokunbi, is recognized as one of the largest financial platforms for women in the U.S. While all of Clever Girl Finance's financial courses are 100% free, the Build a Solid Foundation bundle is a good choice to cover personal finance basics. The four-class topics within the bundle cover:
Your money mindset
Organizing your finances
Setting the right financial goals
A budget that works for you
By signing up for this course, you'll also get access to related infographics and worksheets, live coaching call replays, the Clever Girl Finance community and the book club.
Read: Majority of US States Earn a ‘C’ Grade or Worse for Personal Finance Education
Coursera: Financial Planning for Young Adults
Cost: Free
Length: approximately 20 hours
Where to get it: Financial Planning for Young Adults
Financial Planning for Young Adults (FPYA), developed in partnership with the Certified Financial Planner Board of Standards, is offered by the University of Illinois at Urbana-Champaign. Each of the eight course modules combines lecture-style videos with video vignettes based on real-world scenarios that allow students to think critically and make financial decisions. Topics covered include:
Financial goal setting
Financial risk
Saving
Investing
Budgeting
Borrowing
Credit
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This article originally appeared on GOBankingRates.com: 5 Free or Cheap Online Courses To Help You Better Manage Personal Finances
