Money-Smart Online Course

Personal Finance for Everyone

This course includes:

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What you’ll learn

• Upon completion of this course, students will be able to save and earn more money without having to work harder or sacrificing their lifestyle. You will be an expert at making personal finance decisions and have total control over your financial future.
• Why it is so important to be Money-Smart
• The 6 key truths about personal finance
• Gain knowledge and skills in all 4 key pillars of personal finance: spending, borrowing, investing, and risk management
• Pillar # 1 spending
• Learn how to spend better, not less
• Easy way to properly budget and create a spending planner
• How to manage large once a year expenses without sinking your budget
• How to talk about money with your spouse
• Tips and strategies to save you money on your regular everyday expenses
• How to spend less on vacation and travel costs
• How to pay less taxes
• How to save on banking and interest costs
• How to reduce your insurance costs
• Guidelines for knowing how much home you can afford
• Guidelines to manage your automotive costs
• Pillar # 2 Borrowing
• Know before you owe, guidelines to be debt smart
• Understand good debt vs bad debt
• How to be credit card smart
• 5 ways to get the best interest rate
• How to manage and improve your credit score
• How to lower your payments and lower your interest cost
• Calculate how much debt is too much
• Calculate how an interest rate change will affect your payment and interest cost
• A step by step guide to eliminate your debt for good
• Learn about the snowball and avalanche debt repayment methods
• Guidance on what to do if you are in deep debt
• Understand what steps to take after a bankruptcy or consumer proposal
• Pillar # 3 Investing
• Understand the awesome power of compound interest and get it working for you
• Learn how saving is not the same as investing
• Learn about stock market investing
• Learn the 10 steps to get rich
• Everything you need to know about investing for retirement
• Learn how important it is to pay low investment fees
• Learn all the reasons home ownership is a great way to invest
• Pillar # 4 Risk Management
• Learn what risks you need to protect yourself from and ones to avoid
• Learn how to save money on insurance
• Learn strategies for protecting your assets and financial future
• Personal Finance tips
• Learn about the 7 deadly sins of personal finance, and the 3 destroyers of wealth
• 10 key financial numbers everyone should know
• Personal finance tips designed for young adults
• Common money myths busted
• Smart financial steps to do today
• Learn how to apply your knowledge to make better choices
• Understand what influences your financial decisions and behaviours
• Learn the tricks businesses use to get you to spend more
• 20 reasons we are terrible with money
• 5 categories of our poor spending decisions
• How to deal with money shame
• How to turn our knowledge into intentions and then actions
• How to build a relationship with your future self
• Design workarounds and hacks for:
• Why you don’t reduce your spending?
• Why you don’t pay off your debt?
• Why you don’t invest for retirement?
• Why you don’t protect your future with insurance?
• How to plan for failure in meeting your goals by planning your response
• How to set smart life goals that motivate your behaviour
• How to create your life in a chart
• How to develop confidence in your financial decisions

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Online Course Description

The Money-Smart course is about maximizing the quality of your life. Our course will improve your knowledge and skills in all 4 key pillars of personal finance: Spending, borrowing, investing, and risk management. Even more importantly it will teach you how to apply this knowledge so you can go from just having good intentions to actually changing your behaviour.

Money isn’t the only thing that matters, but it does matter to all of us, a lot. Managing your money can be hard, but the Money-Smart program makes it easy. We are constantly having to make financial decisions. They can seem so complicated, and often we get conflicting advice. It can be frustrating, and everything ends up being harder than it should be.

Welcome to something different!

The Money-Smart program creates long-term results through habit and behaviour change, not by forcing you to follow some drastic cookie cutter financial rules. This is not a temporary fix, there is some serious psychology and financial education behind it. This program will change the way you think about your finances, it will change your relationship with money.

Built on psychology, Money-Smart focuses on your brain, not your budget. Because you don’t manage money. It’s not about crunching numbers or learning to be good at math. You manage your behaviours and the choices you make about money. When you learn why you make the money choices you do, it’s that much easier to design workarounds and hacks to reduce your money mistakes and make better habits for life. Getting better with money will change your life forever.

The great news is that the Money-Smart program is not a generic, one plan fits all, program. This program customizes its advice and approach to fit your lifestyle, your needs, and your goals. When you take control of your money you can live life to the fullest without having to sacrifice.

No one is perfect and with your personal finance decisions you don’t have to be. We all make money mistakes. The Money-Smart tools and training gives you motivation when you need it, and the confidence to make the right decisions to get you back on track. No more feeling money shame and the desire to avoid thinking about money.

Money-Smart knowledge can be mastered by anyone. It’s within your reach if you are willing to learn and open to being challenged in your preconceived financial beliefs. This course is not about theories and textbook best practices. It provides life-changing thoughts and specific actionable financial advice from real world situations that you will encounter. Strategies shared and knowledge earned are presented in a practical approach, so that our students can immediately put them into action.

You’re in good hands, we’ve helped thousands just like you.

The Money-Smart training is designed to meet you where you are financially and provide tailored advice that meets your needs. Whether you desire to get out of debt once and for all, grow your wealth, or manage your money more intentionally, we’ve crafted a motivating resource for you. If you are looking for more purpose to how you manage your finances, and want to live a more fulfilling life, you’re in the right place.

You got this!

Investing your time to get better with money is the best investment you will ever make and will pay you dividends your entire life.

Are you ready to finally get ahead and start living your best life? We made it easy. Check out our Money-Smart program and build your personalized plan today.

Future you will thank you!

Requirements

• no prior knowledge or accounting skills required. The Money-Smart financial advice can be mastered by anyone that is willing to learn and ready to change.
• the downloadable resources require Microsoft excel

Who this course is for:

• anyone that wants to get better with money and learn how to make better financial decisions
• this course is for you if you are sick and tired of not getting ahead and being stuck on a treadmill
• this course is for you if you want to learn how to budget
• this course is for you if you want to reduce your expenses and save more money
• this course is for you if you want to get out of debt for good
• this course is for you if you want to learn to invest and grow wealthy
• this course is for you if you want to learn how to apply your knowledge and good intentions to actually bring about the right actions and behaviour change.
• this course is for you if you are looking for a resource that can provide tailored financial advice for your specific needs.

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Our Instructor

The Money-Smart program was prepared with the assistance of our instructor, Darrin Surminsky, BA, CPA, CIRP, LIT. Darrin has worked as a Chartered Professional Accountant and Trustee in Bankruptcy for over 20 years. During this time, he has assisted thousands of clients just like you to improve their personal finances. This experience has given him unique insights into the causes of personal finance problems, the challenges people face to change their behaviour and the steps you need to take to achieve your money goals.

Darrin’s true passion is helping people achieve life changing benefits by sharing his simple, practical personal finance strategies and behavioural coaching.

Darrin grew up on the family farm in Manitoba, so at an early age he came to understand the importance of money management and emergency reserves. He realized the farming life was not for him, but he found his calling in math, accounting, taxes, and all things financial.  Darrin currently lives in Kelowna B.C. with his wonderful wife Michelle and their three all consuming children, Sarah, London, and Luke.