No Jargon, Ever
Every lesson is written in plain English. If a financial term shows up, it's explained the moment it appears — no finance degree required.
Learn by Doing
Each lesson has a free interactive calculator built right in — your budget, your emergency fund target, your savings goal — using your real numbers, not examples.
Keep What You Build
Download free worksheets and trackers for every lesson, so the system you build during the course is still working for you months later.
By the end of this course, you'll have:
- A clear, honest picture of where your money actually goes each month — not where you assume it goes.
- A simple budgeting framework you can keep using long after the course is over.
- An emergency fund target and a plan to build it, before anything else.
- A clear-eyed view of your debts and loans, and a plan for tackling the most expensive ones first.
- At least one savings goal with a real number, a deadline, and a monthly contribution attached to it.
- A simple, beginner-friendly understanding of how to start investing — without needing to become an expert.
- A repeatable monthly money review you can run in about 20 minutes.
Money 101 is built for you if...
- You've never made a budget that survived more than a couple of weeks.
- You're not entirely sure where your salary goes each month — it just seems to disappear.
- You know you should have an emergency fund, but you've never gotten around to building one.
- You're carrying credit card or instalment debt and want a clear, judgment-free plan to deal with it.
- You want to start investing but don't know where to begin or what's safe for a beginner.
- You learn best by doing — not by reading theory you'll never apply.
The 7 Lessons
01
Where Does Your Money Actually Go?
Run a quick audit of last month's spending and see exactly how it splits across needs, wants, and future — before you change anything.
~6 min read
🪣 3-Bucket Money Audit
→
02
The Only Budget Framework You Need
Turn your take-home pay into a working 50/30/20 budget, then see exactly where your real spending lands against it.
~7 min read
📊 50/30/20 Budget Calculator
→
03
Emergency Fund First, Everything Else Second
Work out your emergency fund target, see how close you are, and get a simple monthly plan to close the gap.
~6 min read
🛟 Emergency Fund Calculator
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04
Debt, Loans & the Instalment Trap
See what an instalment plan or credit card balance really costs you once interest is added — then build a payoff plan.
~7 min read
💳 True Cost of Credit Calculator
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05
Saving with a Goal, Not a Vague Intention
Turn "I should save more" into a real number, a deadline, and the monthly contribution that gets you there.
~7 min read
🎯 Savings Goal Calculator
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06
Your First Investment (Simplified)
See how small, regular contributions grow over 5, 10, and 30 years — and what beginners should actually invest in.
~8 min read
📈 Compound Growth Calculator
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07
Your Monthly Money Review
A 5-question habit that keeps your budget, savings, debt payoff, and goals on track — in about 20 minutes a month.
~6 min read
✅ Monthly Review Checklist
→
Start Lesson 1 →
Free forever. No sign-up, no email, no credit card.
Frequently Asked Questions
Is the Money 101 course really free?
Yes. All 7 lessons, every interactive calculator, and every downloadable worksheet in Money 101 are completely free, with no sign-up, account, or email address required.
Do I need any financial knowledge to start this course?
No. Money 101 is built for complete beginners. Every lesson is written in plain language with no jargon, and explains any term the first time it comes up.
How long does the Money 101 course take to finish?
Each lesson takes about 6 to 9 minutes to read — around 51 minutes for all 7. Most people read through the lessons in one or two sittings, then return to the calculators and trackers each month.
What will I have by the end of the course?
A clear picture of your spending, a working 50/30/20 budget, an emergency fund target and plan, a debt payoff plan, a savings goal with a number and deadline attached, a beginner-friendly investing plan, and a repeatable monthly money review you can run in about 20 minutes.