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(3 credits)
This course provides an overview of the elements necessary for effective personal financial planning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property.
List good practices for managing debt.
Recognize signs of credit trouble.
Identify parts of a credit report.
Recognize student loan options and implications for the future.
List types of consumer credit.
Identify the five Cs of credit.
Recognize the advantages and disadvantages of credit cards.
Summarize how to protect and correct credit.
Explain interest rates.
Outline the decision process for buying a car or house.
Summarize the steps in buying a home.
Describe how to organize and prepare personal financial statements.
Identify cash management products and services.
Complete a personal cash flow statement.
List the five steps in the personal financial planning process.
Summarize what influences personal financial planning.
Identify parts of a financial plan.
Explain taxable income and taxes owed.
Summarize ways to save money on federal taxes.
List steps to file a federal tax return.
Find out how we can help you meet your goals. Not all courses are available to residents of all states. Ask your Enrollment Advisor for details.
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