Issued 15 May 2026
Personal budgeting; financial decision-making; needs vs wants analysis; spending awareness; identifying impulse purchases; understanding the real cost of car ownership; recognising online scams and financial deception; evaluating credit and debt risk; understanding good debt vs bad debt; basic saving strategy; use of financial calculators; understanding compound interest and the Rule of 72; recognising the value of insurance; comparing employment, freelancing, business and side-hustle income models; critical thinking about social media pressure, FOMO and lifestyle comparison; setting practical financial goals.
By the end of the course, participants will be able to create a simple personal budget, identify unnecessary spending, calculate the real monthly cost of owning a car and recognise common financial scams. They will understand how social media can influence spending behaviour and how to avoid impulse purchases. Participants will be able to compare work, freelancing, business and side-hustle income models, create a basic plan for reaching a savings goal, explain the difference between good and bad debt, understand compound interest and the Rule of 72, and explain how better financial decisions can increase personal freedom and future choices.
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