Financial Clarity: Empowering Yourself to Make Your Money Work For You

Financial Curriculum for Employees or Freelancers 

The curriculum is delivered through monthly newsletters and worksheets designed to guide you step-by-step. Each month focuses on a specific topic to deepen your understanding and empower you to make informed financial decisions.

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Month 1: Welcome to Your Financial Journey

  • Why is it worth investing in financial knowledge?

  • Learn what you need to know to take control of your finances.

Month 2: Understand Your Income

  • Want to understand your income sources?

  • Learn how to estimate income based on past earnings and account for variability.

 

Month 3: A Comprehensive Budgeting Guide

  • Want to know how to track your monthly expenses?

  • Learn how to align your spending and net income.

 

Month 4: Managing your Business Expenses

  • What counts as a business expense?

  • Learn how to track your business expenses.

 

Month 5: Retirement Living Expenses Adjusted for Inflation

  • How much money will you need each year in retirement?

  • Learn how much you will need to save for retirement.

 

Month 6: Retirement Investments

  • Are you saving enough to sustain your desired lifestyle in retirement?

  • We give you the steps to create a practical retirement savings plan while balancing your current lifestyle needs.

 

Month 7: Thinking in Buckets

  • Want to learn how to reach your financial goals?

  • Determine how much you can afford to distribute to each of your goals bucket.

 

Month 8: Spending Prioritization Guide

  • Having trouble reaching your goals?

  • Access all your expenses and make a prioritization list of the most important categories so you can understand where to cut back.

 

Month 9: Getting the Most Out of Credit Cards

  • Don’t know how to use your credit card or what card is right for you?

  • Develop a systematic approach to maximize the benefits of credit card usage.

 

Month 10: Navigating Financial Conversations

  • Want to have a healthier financial relationship with friends?

  • Learn to be comfortable discussing money with your friends.

  • Learn what compromises everyone can make so people do not take on more financial burden than they can handle in planning events.

 

Month 11: Welcome to Your Financial Partnership Journey

  • Do you find it stressful, distasteful, and awkward to talk about money with your significant other? 

  • Learn to have honest, productive conversations about money with your partner.

 

Month 12: Maintaining Balance as You Earn More

  • Now that you’ve mastered your current finances, how do you maintain mastery?

  • We will provide tips to help you manage your money as you continue to make more.