Get good with money, one level at a time.

Your learning path

Start at Level 1, or jump to the level that fits you. Lesson 1 of every level is free.

1. Level 1

   Beginner

   8 lessons · about 100 minutes

   Anyone who wants a clear, calm handle on their money

   Money Foundations

   See where your money goes and take control of what you pay every month

   You will be able to

   • →List every recurring commitment you have and know its true monthly cost
   • →Tell fixed, variable and usage-based costs apart, and know which are easiest to change
   • →Run a 30-minute subscription audit and cancel safely
   • →Choose a budgeting method that suits you and use it for a month
   • →Explain what an emergency fund and a sinking fund are for, and start both
   • →Understand interest, APR and the two main ways people pay debt down

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2. Level 2

   Intermediate

   8 lessons · about 110 minutes

   People who budget already and want it to run smoothly

   Budgeting & Cash Flow

   Make every month predictable, even when life and income are not

   You will be able to

   • →Build a cash-flow calendar that shows exactly when money arrives and leaves
   • →Budget confidently on freelance, seasonal or commission income
   • →Set up a savings system of named pots that runs automatically
   • →Compare debt payoff strategies with real numbers and choose one
   • →Read a credit report and understand what drives a credit score
   • →Compare insurance policies on what they actually cover, not just price

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3. Level 3

   Advanced

   8 lessons · about 120 minutes

   People ready to think in years, not months

   Building Financial Resilience

   Long-term money skills: growth, risk, tax and the big decisions

   You will be able to

   • →Explain compound growth and calculate it for savings and for debt
   • →Account for inflation when comparing money across years
   • →Calculate your net worth, savings rate and debt-to-income ratio
   • →Describe risk, return and diversification in plain terms
   • →Understand the general ideas behind retirement saving and employer matching
   • →Know the tax basics that affect employees and people with side income

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Budash Academy and the Budash blog are for general education only. They are not financial, investment, tax or legal advice, and they do not take your personal circumstances into account. For advice, speak to a qualified, regulated professional.