Education | SINA MOEINI

Contents:

🧭 Module 1: Introduction to Personal Finance

Understanding your relationship with money
Why financial literacy matters
Common money mistakes and how to avoid them

📊 Module 2: Budgeting That Works

The 50/30/20 rule and other budgeting methods
How to track income and expenses effectively
Tools & apps for personal budgeting
Monthly budget planner template (provided)

💸 Module 3: Debt Management

Types of debt: good vs. bad
How interest works (credit cards, loans, payday loans)
Strategies to get out of debt (snowball vs. avalanche methods)
Credit scores: how to build and maintain good credit

🪙 Module 4: Saving & Emergency Funds

How much to save and where to put it
Creating a savings plan (short--, medium--, and long-term goals)
Building an emergency fund (and why it’s crucial)
High-interest savings accounts and money market options

📈 Module 5: Smart Investing Basics

Why investing matters for your future
Introduction to stocks, bonds, mutual funds, ETFs
Understanding risk and return
Beginner-friendly investing platforms in Canada
RRSPs and TFSAs explained

🏠 Module 6: Life Planning & Financial Goals

Planning for big expenses (education, travel, car, home)
Setting S.M.A.R.T. financial goals
How to align spending with values and long-term vision

🎁 Bonus Content (Optional)

Personal finance checklist (printable PDF)
Recommended books, podcasts, and YouTube channels
Q&A and personalized money plan starter