Personal Finance and Capital
The programme builds a personal financial system from bookkeeping to capital. You will learn to calculate a real budget and find leaks, build an emergency fund and handle debts by cost priority. Dedicated blocks cover the basic principles of investing and diversification, risk and return, inflation and currencies, taxes and deductions, insurance and family protection, and financial planning for major goals. By the end you assemble a personal financial plan with concrete numbers and decision rules, including protection against fraud and impulsive investments.