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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-financebudgeting-basics/
课程评论：没有评论
课程名称：个人财务/预算基础 概述：本课程将涵盖创建和平衡预算的基本知识，帮助您为未来储蓄、计划退休，并调整心态以实现财务成功。根据统计数据，超过一半的美国人面临个人财务的焦虑与困扰，很多人没有足够的应急储蓄，且负担重的学生贷款和信用卡债务使情况更加复杂。通过学习预算的技巧，您将能够更好地管理财务，防止成为财务危机的受害者。 尽管看似简单的收支管理，有时实际却不容易掌握。通过追踪您的支出，您可能会发现很多不必要的开销，从而找到节省的机会。大约三分之一的美国家庭每月都会制定并遵守预算，本课程旨在教您如何做到这一点。 金融危机的经历让我看到很多人因为没有提前规划而遭受重大损失，因此，我开始为他人提供预算咨询。通过合理的财务规划，您可以在不大幅限制自己的情况下，学会为紧急情况、度假或退休做好准备。 很多人认为家庭预算规划过于复杂，但实际上只需要一些时间和投入，您就可以轻松上手。我将逐步教您如何制作预算表，让您掌握控制个人预算的能力。这不仅帮助您追踪收入和支出，还将教您如何让钱为您工作、投资和储蓄。 本课程的视频讲座不会占用您太多时间，但将为您在预算管理方面提供坚实的基础。一旦掌握了基本知识，预算制定就能够变成简单的月度习惯，甚至是全家共同参与的活动。无论您的收入如何，制定财务计划并坚持执行都是切实可行的，让我们一起为无忧的美好未来而努力吧！
In this course we will cover the basics on how to create and balance a budget. Save for the future, retire, and adjust your mindset for future financial success. 6 in 10 Americans don't have enough saved to cover an emergency. After this course, you will have the foundation built to keep you from becoming one of them. This course has helped over 1,000 students on Udemy take control of their finances. According to MarketWatch, one out of two Americans feels concerned or anxious about their personal finances.Why?There's a huge number of reasons. A lot of people have none or very little money saved up for emergencies, plus, the majority of them have substantial student loans and credit card debt. Nevertheless, a lot of issues could be prevented if these people knew how to budget.It might seem simple: you receive this amount every month, and you spend that amount. But do you actually know where your money goes? By paying just a little attention to tracking your payments, you might realize you overspend on unnecessary things and find ways to save that you never noticed before.A survey by Gallup shows only one-third of households in the US plan their finances and stick to the budget every month. In this personal finance course, I will teach you to do it too!A building block for your financial futureIn 2008, the world was hit by a financial crisis, and I have personally seen a lot of people struggle. They hadn't planned ahead, and the loss or shrinkage of income affected them in tremendous ways. To help people handle their money smarter and prevent similar disasters, I have started to consult people on how to budget.By planning your finances, you can save without needing to restrict yourself too much, and be ready for whatever comes your way, be it an emergency, a vacation, or retirement. Therefore, understanding how to budget is truly a crucial skill for any individual or household.Simple enough for every familyWhen asked why people do not plan their household budget, most people say it's just too complicated for them. However, it's very likely they never tried. The truth is, you do not need any particular skills or software. I will explain how to make a budget spreadsheet step by step - all you will need is a little time and dedication.Being able to plan and track your income and spending will give you control over your personal budget that you need to feel comfortable. Not only will you learn how to make a budget spreadsheet, but you'll also find out how to make your money work for you, invest and save for retirement! As you learn how to budget step by step, you will see it's not that hard - however, your life will change immensely!Why it's worth to take a personal finance courseThe video lectures I have prepared will not take a lot of your time. Nevertheless, it will give you a solid foundation of understanding how to budget. As soon as you get the basics down, it's simple enough to become a monthly habit and even a regular evening activity for the whole family.No matter your income, making a financial plan and sticking to it is a feasible task - let's start working for a prosperous and no-stress future now!
