Financial Literacy

Upon completion of this course, participants will be able to:

• Understand how to create and manage a personal budget
• Apply effective budgeting techniques, including the 75/15/10 rule
• Identify the difference between good debt and bad debt
• Make informed decisions about borrowing and credit
• Recognise key types of investments and their appropriate timeframes
• Understand how compound interest works and its impact on savings
• Read and interpret basic personal financial statements
• Set realistic short-, medium-, and long-term financial goals
• Create a simple, actionable personal financial plan
• Avoid common financial mistakes and money-wasting habits