Do you want to improve financial literacy, pump up your personal budget and make money work? Or are you thinking about a new profession that would bring pleasure and income? Fortune Capital (Fortune Capital) invites you to the annual course "Profession" Independent Financial Advisor "". Graduates receive a diploma of additional education and an international certificate.

 All year round

Such courses are needed not only for men and women in solid suits. The sooner you understand the principles of forming a personal budget, competently planning expenses and creating savings, the better. The Zillion educational platform offers a course for high school students, designed for 70 educational hours. The course includes 12 videos and 13 knowledge tests.

This program was developed by HSE professors to improve the skills of teachers, but anyone can take it. In total, 7 video courses on financial topics are available. They will teach you how to manage personal money, explain the intricacies of the relationship between a person and the state, talk about pyramid schemes and other types of financial fraud. And they will also help you deal with insurance and stock markets, and even inspire you to create a new business. Full collection of video lectures at the link.

More than 50 financial experts took part in the creation of these materials. The course is free and built in the form of a game. Participants will have to complete more than 100 tasks on topics about personal, household, global and corporate finance, as well as financial institutions. Each task contains videos, articles and practical tasks. For each completed task, points are awarded, which can then be exchanged for a university certificate.

The Fingram website is generally dedicated to the topic of finance and publishes various news from this area, but we are primarily interested in the "Training Courses" section. There are financial literacy training programs for beginners and advanced, online investment courses and two financial quests. After the theoretical material, the user is offered tests on a given topic. The site also has links to courses from respected institutions such as the Open University in the UK, Michigan and Yale.

If you have already figured out the basics and are ready to deepen your financial knowledge, take the ABC of Finance course on the Lectorium website. This knowledge will be useful to those who want to understand financial instruments and investment rules. The course instructor has 11 years of experience in financial markets and stock trading. You can get trained for free.

Another basic course from the Higher School of Economics. The program will introduce the basic concepts of financial markets and instruments. No abstract topics - only what every person has to face in life. The course consists of video lessons, tests and lists of additional literature. You can join it for free after registration. If you have not registered for

The first series of lectures in a series of lectures on various aspects of financial literacy. The main objective of the course "Personal Finance Management" is to form in children an understanding that finances accompany them throughout their lives and the financial well-being of each person depends on him.

TOPIC 1: Managing personal finances

Lecture 1: Introductory Lecture

At what stages of a person's life cycle do surpluses and shortages of financial resources occur? What is the purpose of personal financial planning? What problems does short-term, medium-term and long-term financial planning solve?

Lecture 2: Total personal capital

What measures ensure the achievement of current, medium and long-term goals? What is the structure of total personal capital? What is the purpose of the reserve capital? What capital ensures the achievement of long-term goals?

Lecture 3: Investments in three dimensions

What requirements must be met by the investments we make? Is it possible that all properties of investments are combined in one financial instrument?

Lecture 4: Bank deposit: advantages and disadvantages

Lecture 5: Deposits in personal wealth management

Lecture 6: Risk and return in the financial market

The key concept for finance is considered - the ratio of risk and profitability. What is the basis of risk when investing in the financial market? What are the necessary components an investor should have in order to make sound investment decisions? Why do investors analyze the state of the global financial market when investing in the Russian stock market?

Lecture 7: Measuring risk

Risk assessment indicators. What is variance, standard deviation and coefficient of variation?

Lecture 8: The influence of the time horizon on investment risk

How do risk and return indicators change with the lengthening of the investment time horizon? How do returns on stocks and bonds change as the time horizon of investment is extended?

Lecture 9: Evaluating the effectiveness of investment

What does the Sharpe ratio show? Why does the Sharpe ratio for stocks increase faster than for bonds when the investment horizon is extended?

Lecture 10: Diversification of investments

How can the overall risk of investing be reduced? What is systematic (market) risk? What is top-down diversification?

Lecture 11: The demographic situation in the world and in Russia

The information given in the lecture may be useful for students to understand what awaits them in the future, who will take care of their old age.

A series of lectures on financial literacy was created as part of the project "Promoting the financial literacy of the population and the development of financial education in the Russian Federation", in the direction of "Assistance in building the human resources of teachers, methodologists, administrators of educational organizations in the field of financial literacy, as well as an effective infrastructure to support their financial literacy activities."

Financial literacy is the ability to manage one's own funds, realizing the degree of responsibility for decisions made. Mastering basic knowledge is easy - just get acquainted with thematic literature, attend lectures, seminars. Where to start studying?

Fundamentals of financial literacy

An economically literate person is able to control income and expenses, manage finances profitably, and increase the level of well-being. Successful is not the one who earns a lot, but the one who is able to consciously spend, invest.

To immerse yourself in the world of financial management, you need to develop the right approach to money. Here is a quote from one helpful tutorial:

Money starts in your head. And if they end, then there.

Business coach Robert Kiyosaki argued that the concept in question includes:

• Theoretical basic understanding of the tax code;
• Theoretical and practical knowledge of accounting;
• Ability to draw up an elementary plan of income-expenses;
• Know the definition of "money" and understand how to use it.

Training takes a little time even for "dummies" - only a few weeks. Successful people are distinguished by the desire to improve the acquired skills, to practically use them.

Differences of an economically literate person

Monetary illiteracy leads to disastrous consequences, so everyone without exception should have theoretical economic knowledge.

Acquisition methods

In the book of Pavel Bogryantsev "How to be always with money" there are such useful and practical tips that are not taught at school. This is a modern approach to the topic of achieving financial well-being developed from Paul's personal experience. His message is as follows: everyone can achieve financial well-being. How to do this and what horizons open up financial opportunities - read in the book.

Saving monthly from wages is not enough to be considered a literate person. Knowledge of macro- and microeconomic fundamentals, familiarization with credit institutions, setting and fulfilling strategic goals are the foundations of economic development. Our time is the time of information, so you can learn by many methods. Helps answer how to level up:

• Study of economic works, books;
• Possession of information about the economic situation in Russia, legislative changes;
• Use of special programs to control income and expenses;
• Studying books, video tutorials and courses, for example: 7 secrets of financial psychology;
• Listening to lectures, seminars to improve the level of financial literacy.

A change in attitude towards helps to increase financial literacy. The psychology of consumption does not lead to prosperity - funds are not earned for sudden unnecessary expenses. Going beyond the instincts of the layman is a guarantee of success. Modern allows you to get useful knowledge and step-by-step instructions in the form of online courses at a psychological level from specialists, which leads to financial well-being.

Creating a passive deposit

Passive investment is also called investing money for profit. It does not depend on direct activity - there are a lot of places where you can invest money. The main rule is the formation of several sources of contribution. It is important to follow this rule. Economists recommend channeling money in a variety of ways - you should not invest only in real estate or the purchase of shares.

Examples of creating passive income:

• Bank deposit - the larger the amount, the more profitable the rent;
• Acquiring shares, playing on the stock exchange;
• Getting money from advertising placement on your site;
• Investment in real estate;
• Investments in a partner or own business;
• Getting money after writing books, creating applications, programs of their own authorship.

Modern Internet technologies allow you to create other sources of passive income, for example: mining farms.

There are many publications devoted to this technology, since mining has become a very popular business model and is developing very quickly.

Practical use

Putting the basics into practice does not imply a radical change in life - dismissal from work, starting an entrepreneurial activity. The main thing is to make money on assets, correctly distribute funds, while leaving the main source of income.

Economically illiterate people have created a myth that the purpose of the bank is to trick people into taking an unfavorable loan product. This is a misconception, since large organizations are quite interested in competent customers. It is beneficial for the bank that the client himself is served in the organization, recommending to colleagues, friends, relatives.

Literacy is characterized by the discovery of the fact that the banking institution is a savings partner.

A set for accounting for income that has general principles:

• Control of income-expenses;
• Removing meaningless costs;
• Designation of the main expenses (utility expenses, food expenses, hygiene items, etc.);
• Distribution of money;
• Designation of the part of the funds that can be invested.

An example of programs is “Daily expenses”, “Wallet - finance and budget”, “MoneyFy”.

Useful books

The Internet and bookstore shelves are the source of many books to help teach financial literacy. Of course, the first such book in popularity is considered to be "Rich Dad Poor Dad" by Robert Kiyosaki.

The author's father worked diligently all the time as a civil servant, with a small source of income. The buddy's father was an entrepreneur, teaching Robert the basics of economics. The author admits that thanks to his lessons he became a rich man.

Robert believes that the rich buy assets, the poor only spend, and the middle class buy liabilities thinking they are getting assets. Let's understand these concepts.

An asset is anything that brings in money. Passive - what spends them. For example, an empty house is a liability. If he surrenders, he turns into an asset. Written own book is a liability, published and profitable is an asset.

The millionaire also analyzes the concept of "investing", gives advice, recommendations, citing exact numbers from personal experience.

Useful and very affordable online courses on financial literacy once again prove that everyone has the opportunity to improve their well-being.

The book "The Path to Financial Freedom" by Bodo Schaeffer has not lost its relevance so far. It tells in detail about starting a business, investments, the importance of repaying debts, and the proper disposal of funds. The book is suitable as a financial literacy textbook for beginners. The author describes a possible path from the status of an ordinary worker to security, a stable income.

The Richest Man in Babylon by George Clason explains the basics of investing. He suggests developing certain habits, such as:

• Setting aside a tenth of your own income;
• Cost control;
• Increase of wealth, inadmissibility of senseless storage of savings;
• Assessment of risk, profitability of investments;
• The design of the house should represent personal desires, not neighbors;
• Improving the skills of earning money;
• Ensuring your own pension.

Thematic sites

On the Internet, it is easy to find almost any information, the subject of "economic literacy" is no exception. The best websites to help you learn money literacy:

• Online financial game Cashflow created by Robert Kiyosaki will expand your knowledge. The goal of the game is to make you financially independent.
• Finagram. The site has an answer to every question from the field of economics, and there is also a lot of information on the topic of financial literacy for beginners.
• Fingram TV was formed by the Association of Banks of Russia. There is a step-by-step guide to acquiring monetary literacy from scratch.
• The ABC of Finance is a project formed by the Visa payment system. It is made especially for the people of Russia. The site contains detailed information about the payment system.
• “Course for people who earn less than they can” is able to turn your idea of ​​​​material well-being, earning options and take a fresh look at your relationship with finances.

It is not money that governs a person, but a person with it - a law that every person must understand. Debt pits, the purchase of goods "not affordable" for an imaginary status, senseless waste hinder development, reducing the chances of gaining success and prosperity.

Summer is a great time for relaxation and self-education. So that the long-awaited vacation does not fly by unnoticed, but leaves behind, in addition to pleasant impressions, the necessary knowledge, he invites his readers to remotely take a training course on financial literacy.

Russian universities, educational centers and non-profit financial organizations regularly hold many events aimed at improving the financial literacy of citizens. Seeing how quickly online education is developing in this direction abroad, domestic specialists are trying to keep up and are developing special distance courses on financial literacy for those who, for various reasons, cannot attend lectures at the university, but want to increase their awareness of money matters. . At the same time, few Russians know that it is possible to study online and learn new things in the field of finance for free. We present to your attention the top 5 distance courses on financial literacy this summer.

Financial instruments for a private investor

Developed by a group of associate professors and professors from the National Research University Higher School of Economics, a large educational program on financial instruments includes as many as six courses on finance, among which the first one will seem especially interesting to an ordinary citizen: “Personal Finance Management”.

Studying this course will allow the student to better navigate current financial issues and find the best ways to manage personal capital, learn how to draw up a personal financial plan, and much more.

A student who decides to get acquainted with this educational program will be able to familiarize himself with the materials of other courses offered by experts and understand the specifics of investing in various financial instruments (stocks, bonds, etc.), and upon completion of training, form an investment portfolio according to specified criteria, predict capital growth according to him and adapt it for two scenarios of economic development (optimistic and pessimistic).

Each course of the program lasts from four to six weeks, if desired, any topic can be taken separately.

Organizer: High School of Economics

Where: Coursera platform

Price: free access for 7 days from the start of use, then - 2773 rubles per month.

Financial markets and institutions

The second financial literacy course from HSE specialists, where students can learn how financial markets, companies and financial instruments function, which each of us has to deal with in our lives.

In addition, students of the program can get information about the basic principles of investing free funds in the financial market and learn the basics of financial calculations.

During the course of training at the end of each training week, the student will have to complete 9 control tests. Training will be considered successfully completed only with the correct solution of tasks.

Organizer: High School of Economics

Where: Coursera platform

Price: free of charge (as a free listener), 1641 rubles (with a certificate upon completion of the course).

Capital Markets or Financial Institutions, or "On Other People's Money"

The online course is designed for a wide audience of students who are interested in financial topics and lasts 6 weeks. The educational program includes a series of lectures, materials and games on the topic. At the end of each week, the student will be offered control tests.

During the online course, the student will be able to learn about the key problems and risks that the consumer faces in lending and insurance, the banking system, the causes of the 2008 global financial crisis, and much more.

Organizer: Moscow Institute of Physics and Technology and American Institute of Business and Economics

Where: Coursera platform

Price: free of charge (training without obtaining a certificate), 2773 rubles (with obtaining a certificate upon completion of the course).

Fundamentals of financial literacy

The remote online course, developed by experts from the Regional Center for Financial Literacy of the Tomsk Region as part of the project of the Ministry of Finance of the Russian Federation "Promotion of increasing the level of financial literacy of the population and the development of financial education in the Russian Federation", is intended for Russians of all ages.

At the beginning of the course, the student, using introductory testing based on the tasks of the All-Russian financial literacy exam, determines the level of his knowledge, then he is trained on topics (planning a personal and family budget, the basics of taxation for the population, insurance as a way to protect against risks, and others) and finally passes final online exam.

Upon completion of the course, you can receive a certificate confirming the acquired knowledge.

Among those who successfully complete the training before the end of the summer, tickets to the seminars of leading financial consultants in Russia will be raffled off.

Organizer: Regional Center for Financial Literacy of the Tomsk Region (RCFG)

Start: indefinitely

Fundamentals of Finance for Youth

The authors of the online course “Fundamentals of Finance for Youth” set themselves the goal of helping to improve the financial literacy of citizens through the continuous creation and free distribution of educational digital content on the topic of finance and economics in a playful way.

The course consists of more than 100 mini-tasks, divided into different levels and including articles, video lectures and assignments on the topic, completing which the student receives points.

The course assignments are divided into five key modules: personal finance, household finance, global finance, financial institutions, and corporate finance.

You can go to the next level only after completing the tasks of the previous level. Receiving 500 points allows the student to receive a NSU certificate of completion of the online course "Fundamentals of Finance for Youth".

More than 50 experts working in the field of finance took part in the development of the distance course.

Organizer: Center for Continuing Education of Novosibirsk State University (TsDO NGU)

Start: indefinitely

Price: for free.

Due to ignorance in the field of economics and money, people are often unable to provide themselves with a decent life even with a good salary. In addition, other people often take advantage of our financial illiteracy, which leads to sad consequences. It is for these two reasons that it is worth studying the basics of financial literacy. As you will see below, the ability to earn a lot does not mean a comfortable life. If a person earns money only with the help of certain skills (musical, medical education), then this is not enough. The ability to manage earned money requires completely new skills and knowledge - and it is this that can lead you to financial independence.

We are not taught to manage personal money at school and even at the university - and this is the biggest omission for any state, and for you and me. We are faced with money issues several times a day and at the same time we do not understand at all what money is and how to become a financially wealthy person. Moreover, if you ask almost any person what a financially wealthy person is, the answer will be one: "The one who has a car and a good house." In our course, you will understand that this is an incorrect definition of a wealthy person for many reasons and you will find out what kind of thinking you need to develop in yourself in order to achieve a stable financial position in a few years, or at least acquire some habits that will help you save money wisely and not throw money away .

What is financial literacy?

This is not a very simple question, because different people understand it differently, and this concept itself is rather philosophical and purely subjective. But if we still try to give direction to our course, we can say that:

Financial literacy is a clear understanding of how money works, how to earn and manage it. There are two main characteristics of a financially literate person. First, his expenses never exceed his income. Second, any positive difference between monthly income and expenditure is invested in any form.

Surely you know many people who have been earning quite well for several years and at the same time barely making ends meet. They are great at what they do - it can be programming, art, science, . However, some of them even manage to get into debt. And it would be nice if they also bought important things for themselves, with the help of which they. As a rule, these goods are completely meaningless and their purchase becomes burdensome.

It may seem strange, but in fact it does not matter how much you earn at the moment. In the history of mankind there are thousands of stories about how a completely poor person became a millionaire. There are also reverse stories - people who had wealth falling on their heads managed to lose everything in a short time. Therefore, it is very important to understand that your current income is not a sentence. This is where financial literacy comes into play. She shows how, by acquiring some financial habits, anyone can climb out of the financial hole and stand firmly on their feet.

Economics is a complex tool to understand. This is evidenced by financial crises, when even the best economists in the world were not able to predict things that now seem obvious. Economists now use the phrase about cycles, disclaiming responsibility: "There are cycles, there will always be world crises." No one can predict the exact date of the crisis, but everyone can prepare for them.

Can a millionaire be financially illiterate? Maybe. For example, such is a Hollywood actor who can receive several million dollars for one role. After some time, his fame passes, and with it his financial condition disappears. Therefore, he is forced to play low-paid roles for the rest of his life, to sell his property in order to make ends meet. This is a perfect illustration of the importance of financial literacy.

Applying Financial Literacy to Life

Learning theory, growing a conscious attitude to money and financial thinking - these three things will help any person to get settled in life.

The most important is financial thinking, but it is very important to constantly learn and supplement knowledge with practical skills. Someone thinks that you need to work as hard as possible to become financially secure. On the one hand, this is true, but on the other hand, it is necessary, first of all, to work reasonably. Once you start your financial journey, you are forced to work as hard as possible. But there is one important point: the more money you have, the more intelligently you should approach your work. It makes no sense to become rich and work hard. A financially literate person, as capital increases, works less and at the same time manages more. For example, when you get to the point where you become an investor, you can work less. Money will work for you. Of course, in this case, no one forbids you to do what you love and continue to work, but now you will decide for yourself how much and where.

Remember that you can apply financial knowledge now. Everything you do with finances today affects your future. When you stop buying things you don't need, you have new opportunities. You begin to form a simple thought - money should make new money. Just spending your income gives immediate results and does not move you forward.

Any book on financial independence will first of all make you understand the importance of optimizing expenses in your life. Spending everything you earn is the worst strategy, only worse than living on credit.

Our course will help you change your life and attitude towards money. You will learn to think in terms of decades. In any area of ​​life, the satisfaction of momentary desires does not lead to anything good. In finance, this can lead to the most disastrous consequences. The financial literacy course is designed to change your mindset and help you become a more adult and human being.

How to learn financial literacy?

No one is born financially literate. It is possible to be born into a wealthy family, but this does not guarantee you a great financial future.

To grow financial thinking in yourself, you need to devote many months to this. However, many positive changes you can develop in yourself within a few days. You can learn the theory of money quickly enough, you can also understand how the stock market or the bank works. And only by understanding how finances work, you will begin to move forward little by little.

In the past, financial literacy was even worse. The man was forced to work from morning to night in order to at least survive. Financial culture existed in its infancy. To become a wealthy person, one had to use force. In our time, much has changed and this is a great chance for each of us to succeed in life. There are a lot of materials in the public domain: books, courses and videos. Any information is available here and now. However, as we know, the availability of information simultaneously devalues ​​it. You must clearly understand that you already have everything you need for financial prosperity, it remains only to find the right materials.

Perhaps the most important skill for developing financial literacy is. More than 90% of people in the world spend money completely thoughtlessly, and it is for this reason that none of them will become a wealthy person. No one guarantees anything to the remaining 10%, but they still have more chances. By developing discipline in your financial habits, you increase your chances a thousandfold of being retired in ten years, having passive sources of income, and doing whatever you want.

Do you want to test your knowledge?

If you want to test your theoretical knowledge on the topic of the course and understand how it suits you, you can take our test. Only 1 option can be correct for each question. After you select one of the options, the system automatically moves on to the next question.

Lessons in financial literacy

After studying a large number of literature and biographies of rich and successful people, we came to the conclusion that financial literacy is a skill. Any skill can be learned. We have developed six lessons for you, each of which will touch on a specific aspect of financial literacy. The good news is that we didn't have to target different types of people, as financial literacy is not unique to every financially successful person. This is a certain set of knowledge and simple skills that everyone can acquire. All great businessmen had approximately the same philosophy, only the ways to achieve the goal differed.

Purpose of the course: to introduce our reader to planning, financial analysis and investing.

Course objective: to develop in the reader financial thinking, which is not taught in school and university.

We present you a short overview of each of the lessons.

How to take classes?

At times, this course may not seem very easy, but we have tried to mix simple and complex things. The economy is somewhat complex, but it is worth getting to know it better and you will understand that it has its own completely understandable laws. There are also completely illogical things in it, but you will understand this and do everything to be prepared for the unexpected.

The first, third and fifth lessons are more about theory than practice. You can choose this order of study. The theory takes the least amount of time. Lessons 2, 4 and 6 are mostly practical and take more time to learn and implement. However, you can study the lessons in order. The symbiosis of theory and practice is the right approach and any professional in his field knows about it. You can think a lot and not act, or you can act thoughtlessly and make a lot of mistakes. When you think and act, you get the best result.

You can take our course in two ways related to time periods. For example, if you have time, a week may well be enough for you. However, we recommend that you take the course more thoughtfully and return to it from time to time. When you complete the course, then return to it and consolidate your skills, review the list of recommended reading and move on. However, our course is self-sufficient in itself and will help open your eyes to many things. We tried to make it fun and easy to understand.