Wallet and life - rate 10,800 rubles. from MIF, training 10 weeks, date November 29, 2023.
Miscellaneous / / December 01, 2023
Many people reduce the essence of financial literacy to the saying “a penny saves a ruble.” But saving is not all you need to know about money. In our course we will study the topic of finance in a comprehensive manner. First, let's put things in order in our thoughts, then in our wallet. Then we’ll talk about strategies on how to save for your dream, create capital and protect money from inflation and crisis.
Our course is aimed at practice. We will destroy fears and barriers that prevent you from building a competent financial strategy. Let's set clear goals and take the first steps towards achieving them. Right during the course.
A variety of topics await you - from psychology to investments. Our experts will tell you how to close the loans that are dragging you into a hole. Build financial protection for the family. Don’t buy too much for the sake of “psychological comfort.” We will learn, on the one hand, to work to increase income, and on the other hand, to patch up the holes where finances fly away. Money does not bring happiness, but with it it is much more pleasant (and faster) to build the life you want to enjoy.
It seems like finance is complicated and investing is completely bleak. There really are moments here that need to be sorted out. But if they are explained with examples, everything becomes clear as day.
During the course we will analyze everything step by step, in small portions. Clear and practical. It doesn't matter how much you earn, whether you know how to save, or whether you have a degree in economics.
Coordination of work on product advertising and SEO promotion with key clients at the federal level (turnover according to Ya. market more than 100 million), projects on a wide variety of topics, from mono-brand online stores to hypermarkets, from 1 to 3 million. goods from the store.
Presentations at specialized conferences (Science Online, Oborot)
Several times a year I give lectures on product advertising at Unibrains courses
For 3 years, she organized “smart Fridays” in the company (B2basket) with employee training on various areas of Internet marketing and clientology.
Certificates - I. market, Google Analytics, Google Ads (2019)
Vladislav Sirota’s Smart course (June-July 2019) on a systematic approach to management has been completed.
Completed Boris Shpirt’s course “Customer relation and sales upgrade” (October 2019).
In the process of completing the Brandquad courses “Become No. 1 on the marketplace or other trading platform”
Block 1. Psychology of money. Relationships with money, barriers, financial habits, awareness
There are many beliefs around money: from “money doesn’t buy happiness” to “easy come, easy go.” Most often, they determine our earnings, spending and financial problems. So let's start with them. We will also work on emotions and relationships with money in general.
Result: transformation of attitude towards money and determination to take responsibility.
WEEK 1. CHANGING MINDSET AND BEHAVIOR
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Lesson 1. Ideas about money that give rise to our fears
Practice: working through anxiety and frightening expectations
Ideas about money
What gives rise to fantasies about money: the true needs behind the desire to become rich
Internal objections and unrealistic expectations
How to Deal with Anxiety and Fears About Money
Webinar “Money thinking without esotericism: how it works” (except for the “Independent” tariff)
Expert - Larisa Parfentyeva
How thinking and money are connected
How much money do you need to be happy?
A Quick Way to Identify Your Limiting Money Beliefs
Money metaphor: what do you really think about money?
How much can you earn if you are where you are?
How to deal with the fear that you might run out of money
Lesson 2. The connection between thinking and financial behavior: why just knowing financial instruments is not enough
Practice: analyzing your financial behavior and the thinking behind it
How our brain works: how thoughts and ideas about money affect our financial behavior
The role of the unconscious in behavior: how autopilot mode turns on
How to analyze your current behavior and determine what is behind it at the level of thinking
How to take responsibility back into your own hands and engage in conscious financial management mode
WEEK 2. OVERCOMING BARRIERS
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Lesson 3. Internal resistance to change and how to overcome it
Practice: First Steps to Accepting Resistance
What is resistance to change
How and why it appears even when we want to change for the better, and why it is normal
How to notice resistance in yourself
What will help you overcome resistance at the start and over a long distance?
How to minimize resistance and take action
Lesson 4. Limiting attitudes and their transformation
Practice: working through limiting beliefs
Deep beliefs about money: how they are formed and manifested
How positive thinking and affirmations can be dangerous and why they don’t work
The most common limiting beliefs about money
Stress related to money: fear of a rainy day, crisis, conflicts in the family, loss of savings
How to Greenly Change Your Beliefs
Webinar “Working through limiting beliefs”
Expert - Marina Gogueva
How and why to find your main fears about money
Analysis of limiting beliefs about money
Rules for changing settings
The most common mistakes when changing settings (and how to avoid them)
WEEK 3. GOALS AND MOTIVATION
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Lesson 5. What's behind your motivation?
Practice: searching for needs and desires that will provide sustainable motivation
Where does motivation come from?
How to determine your needs
Why plans, trainings, books and motivational speeches are not enough
Why formulating and writing down a goal is not the same as achieving it
What is needed for self-motivation
Webinar “And if there is no goal: how to find your dream”
Expert - Eva Katz
3 practices that will teach you to dream and set your goals
An effective way to distinguish your dreams from others
Why dreams can be an ideal source of energy and how to organize it in your life
What turns a dream into a goal and helps you move towards it
Techniques for training - from small dreams to big goals and acquisitions. Eco-friendly, no race or competition
Lesson 6. We separate real financial goals from imposed ones
Practice: Determining True Financial Goals
Why set your financial goals?
What's Really Behind Your Goals?
Imposed goals: how trends affect us
How to determine which request you actually want to "close"
How much money do you really need
Q&A: answers to questions from experts (for all tariffs)
Group meeting “Working through limiting attitudes and beliefs” with Marina Gogueva (for the tariff with an expert)
🥳 Vacations
Time so you can complete all the lessons and move on without debt.
Block 2. Financial literacy
Let's figure out how much you need to be happy and how you can achieve it. Let's draw up a personal financial plan. Let's learn how to build a budget without being too tight and taking into account your life values.
Result: set financial goals and coordinates of the “saturation point” in income.
WEEK 4. POINT A AND FINANCIAL GOALS
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Lesson 7. Determine your current situation and take control of your finances
Practice: analysis of your current financial condition and the effectiveness of money management
Why is it important to be realistic about your situation?
What are you doing with your personal finances now?
How to evaluate your assets (property) and liabilities (debts)
What aspects of the budget need to be monitored to manage it?
Webinar “How to deal with loans”
Expert - Natalya Kolbasina
What is the credit load and how to calculate it
7 steps to choosing a loan
Good and bad loans
7 working ways to get out of loans
Credit history: what is it and how to check it
Lesson 8. Financial goals and plan for achieving them
Practice: drawing up a map of goals and an optimal plan for achieving them - with deadlines, the required amount of savings, resources
Types of financial goals
How to create a vision for the future based on values and define goals
How to set financial goals correctly
How to make a plan to achieve goals: standard and alternative ways
Strategies for achieving the most common financial goals
WEEK 5. COST AND INCOME ANALYSIS
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Lesson 9. How to analyze expenses
Practice: analysis of expenses for the last month (or any arbitrary period)
Why control expenses?
How to record expenses: frequency of recording and suitable tools
How to analyze expenses and find “shadow” expense items
How to optimize expenses without austerity
Webinar “How to live freely and enjoy a career”
Expert - Irina Vasilyeva
Cost of position and functionality. Market analysis and conclusions
Focus on development. What competencies do you need to develop to increase your market value?
How to correctly ask for a salary increase
Additional sources of income in hiring without the risk of losing your current job
Lesson 10. Where to get extra money
Practice: budget replenishment plan
Alternative sources of income
Tax deductions
State support programs
Analysis of options: the potential of each tool, algorithm of actions
Non-obvious options and life hacks for saving and receiving additional money: choosing a debit card or deposit
Q&A: answers to questions from experts (for all tariffs)
WEEK 6 PERSONAL AND FAMILY BUDGET PLANNING. SAVINGS
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Lesson 11. Financial protection
Practice: calculating the financial airbag
Family financial security
Airbag and how to create it
Why can't I save?
How to save with pleasure: practical recommendations
Lesson 12. Systematic management of personal budget
Practice: preparing an annual budget
Mistakes in budgeting that cause us to lose money
Counting losses
Why plan a budget and what benefits you will get from it
How to choose a planning strategy: “The richest man in Babylon”, “The six-jar method”, “The 20-50-30 method”, “The 60-10-10-10-10 method”
Is a budget necessarily a spreadsheet in Excel? Applications and templates for financial accounting
Webinar “Finances are in order”
Expert - Natalya Kolbasina
What is a personal budget management system and how to create one
What elements does the system consist of and how are they interconnected?
Why is a systems approach important?
How to effectively manage your cash flow
Saving or optimization: what to choose
Are you ready to invest?
Group meeting “How to set inspiring financial goals and achieve them” with Natalya Kolbasina (for the tariff with an expert)
🥳 Vacations
Time so you can complete all the lessons and move on without debt.
Block 3. Investments
Let's see what investment tools can be used even with 1000 rubles in your pocket, how to choose strategies with minimal risk, and what exactly you should not invest in.
Result: your first investment portfolio.
WEEK 7 WHERE TO START AN INVESTOR'S JOURNEY
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Lesson 13. What are securities investments and how do they work?
Practice: assessing readiness for investment
Myths about investments: what's stopping us
Why investing is not as scary and difficult as it seems
How the securities market works: broker, depository, exchange, issuer
How to prepare your finances for investment
Trading and Investment: What's the Difference?
Webinar “Investor Mindset”
Expert - Evgeniya Kulaga
The most common fears in investing
What distinguishes a successful investor from an unsuccessful one?
How to determine your risk profile
Lesson 14. Investment goals and timing
Practice: defining your investment goals and assessing their feasibility
The mechanism of compound interest in investments
How goals and deadlines affect investment performance
How to set your own goals and deadlines
Group meeting “Creating capital and passive income through investments: calculations and practice” with Andrey Kulaga (for the tariff with an expert)
WEEK 8 FORMATION OF A PORTFOLIO: FIRST STEPS AND INVESTMENT TOOLS
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Lesson 15. How to create your first investment portfolio
Practice: determining the percentage of assets in a portfolio according to goals and deadlines
Investment strategies
Portfolio rules
The principle of risk diversification
Webinar “Review of investment instruments”
Expert - Vadim Pogosyan
What should the profitability be to save money?
Bank deposits: comparison of average rates with inflation
Currency: how does the profitability of storing funds in foreign currency differ from storing money in rubles?
Real estate: profitability, risks and nuances that you should pay attention to when making such investments
Gold: how to invest in it to avoid taxes
What to choose as a savings tool
Lesson 16. Promotions: what are they and how to choose them
Practice: selection and distribution of shares of various companies in your portfolio
Promotions, their types and features
Dividends
Pros and cons of stocks
Criteria for selecting stocks for a portfolio
Q&A: answers to questions from experts (for all tariffs)
WEEK 9 CONTINUATION OF DISCUSSION OF KEY FINANCIAL INSTRUMENTS
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Lesson 17. Bonds: what are they and how to choose them
Practice: Select and Determine the Percentage of Bonds in Your Portfolio
Bonds, their types and features
Coupons: what a beast
Pros and cons of bonds
Criteria for selecting bonds for a portfolio
Webinar “International Investments”
Expert - Vadim Pogosyan
Why invest abroad
Advantages and disadvantages of investing abroad
How the foreign financial system works and which country to choose for storing investments
Selecting a financial partner: brokers, management and insurance companies. Where is the best place to open accounts?
Opening an account: how it works and what mistakes to avoid
Portfolio building: available tools, where to look for them and how to select the best
Taxes and reporting in the country of opening the account and in the country of residence
Lesson 18. Funds: what are they and how to choose them
Practice: select funds for a portfolio and determine the percentage of each security
How funds work
What assets do the funds invest in?
Coupons and dividends in funds
Pros and cons of funds
Criteria for selecting funds for a portfolio
WEEK 10 WHAT IS IMPORTANT FOR A BEGINNING INVESTOR TO PAY ATTENTION TO?
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Lesson 19. Choosing a broker and purchasing securities
Practice: choosing a broker, calculating the commission amount, opening an investment account
How to choose a broker
What types of accounts are there?
How to open an account
Rules for purchasing securities
Refill
Currency exchange
Webinar “Review of high-risk investment instruments” (except for the “Independent” tariff)
Expert - Andrey Kulaga
What is an IPO and how can you participate in an IPO?
Choosing a broker for IPO
IPO Strategies
What is cryptocurrency and how can you invest in it?
Choosing a platform for purchasing cryptocurrency
Strategies for investing in cryptocurrency
Lesson 20. Investor's tax burden
Practice: opening an IIS, choosing the type of deduction and calculating its amount
What taxes does the investor pay?
When do you need to declare taxes?
Tax benefits for investors
IIS and tax deductions: how to receive up to 52,000 rubles every year
Q&A: answers to questions from experts (for all tariffs)
Group meeting “Analysis of errors in investment portfolios” with Andrey Kulaga (for the tariff with an expert)