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Financial Literacy & Money Management

A focused 100-question training on budgeting, banking, credit, debt, court fines, saving, and building real financial stability. Earn your BDE certificate of completion.

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About This Training

What This Is

Money problems are one of the biggest reasons people stay stuck or end up back in trouble. This training gives you practical, plain-English tools to take control of your money — budgeting, banking, building credit, handling debt and court fines, and saving for the future. Financial stability is freedom, and it's a skill you can learn.

What's Covered

  1. Budgeting Basics Income vs. expenses, needs vs. wants, tracking spending, and the 50/30/20 plan.
  2. Banking & Accounts Checking vs. savings, avoiding fees and overdrafts, direct deposit, and second-chance accounts.
  3. Credit & Credit Scores What a score is, how to build and rebuild it, secured cards, and reading your report.
  4. Debt & Predatory Lending Good vs. bad debt, payday and title loans, APR, payoff strategies, and your rights with collectors.
  5. Court Fines, Fees & Restitution Payment plans, restitution, protecting your license, and budgeting court debt as a priority.
  6. Saving & Emergency Funds Why and how to save, emergency funds, automating savings, and saving on a low income.
  7. Earning, Taxes & Building Wealth W-2 vs. 1099, taxes and refunds, the EITC, retirement accounts, and long-term wealth habits.

Format & Time

100Multiple-choice questions
1Standalone training
5 hrCompletion credit
80%To earn certificate

You'll get a hint after your first wrong answer, and a short explanation after every question — this is meant to teach, not gatekeep. Your progress saves automatically; you can pause and come back later on the same device.

Disclaimer: This training is educational. It is not financial, legal, or tax advice. For your specific situation, consult a qualified professional or a nonprofit credit counselor (find one at nfcc.org).