17 Best Personal Finance Online Courses To Help You Manage Your Money The Right Way

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Have you ever taken any Personal Finance courses? If you are like most Filipinos, chances are you haven’t.

And while personal financial literacy is a life skill that everyone should have, regardless of age, research shows that that is not necessarily the case.

Results from a recent financial literacy test conducted by the Bangko Sentral ng Pilipinas showed that participants on average answered only 1 of 3 questions on financial literacy could be answered correctly by Filipino adults.

How so?

With different savings accounts, credit cards, car loans, health insurance, taxes, etc. — personal finance will become more complicated when you are obliged to calculate and understand budgeting, savings, and how to spend your money during various moments in your life. Yikes!

And even if you are earning a good sum from your monthly salary, you won’t be able to take steps towards financial wellness if your budgeting or spending habits are all over the place.

Sounds scary and true, right?

With the world facing the economic consequences of COVID-19, adopting the best money management practices will allow you to stay at the top no matter what circumstance comes your way.

There is no better time than now to get your head around this topic and begin to refine your personal finance knowledge.

Learning is the best remedy. To build a better future, you must become a life-long learner.

Take advantage of the wealth of information available to you online (and offline). There is plenty of great free and paid courses to get you started.

If you are pressed for time, we’ve got your back!

In this article, we provide a hand-picked selection of our favorite personal finance courses. The list has something for everyone: from budgeting and debt management to investing. We present the list in no particular order.

personal finance philippines

How to Make Money (CreativeLive)

Ramit Sethi, the New York Times bestseller author, “I Will Teach You To Be Rich.” I’ve read that book, and it’s a life-changer! Highly recommended whether you don’t know a thing about money or even if you think you already know everything there is to know about the subject.

Ramit has taught over a million students how to manage their finances better, and in this course, he shares his proven techniques for transforming your financial outlook.

Not only good to learn about financial stuff but also on the psychological side.

What Will You Learn:

  • How to reach your personal financial goals by teaching you how to spend, save, and invest your money.
  • How to turn your passions into extra income on the side.
  • Finding and landing your dream job (or gig) and negotiating your salary once you do.

Length: 40 Video lessons in HD/ 17h 4m of class content

Making sense of your personal finances (Udemy)

This free course teaches you how to set S.M.A.R.T. financial goals and work out how much you need to achieve those goals. It’s a short class lasting one hour and 22 minutes and uses on-demand video.

What Will You Learn:

  • Understand and set financial goals
  • Prepare a budget
  • Save effectively
  • Manage your debt

This basic money management class is conducted by the Institute for Financial Literacy of Singapore. They provide free and unbiased financial education programs to various organizations.

Length: 1hr 22min 

Start Late, Finish Rich (CreativeLive)

Author of nine New York Times bestsellers, including #1 New York Times bestsellers Start Late, Finish Rich, and The Automatic Millionaire, David Bach, will teach you why it’s never too late to live and finish rich.

He will also share the secrets to becoming an “Automatic Millionaire” and how ordinary people with average incomes can achieve extraordinary wealth.

What Will You Learn:

  • How to build financial security starting with as little as $5 a day 
  • The #1 Millionaire Habit that changes everything 
  • Why budgets don’t work and almost guarantee failure 
  • The secret to having a “retirement, dream and security” account 
  • How to become rich faster, as a freelancer or small business owner 
  • How to organize all your financial information, using the “Finish Rich” file folder system 
  • How to create an “Automatic Millionaire Blueprint” system to automate your financial life forever How to create a retirement plan that works “automatically” 
  • Why you need a will and what needs to go in that will 
  • How couples can work on their finances together and not fight about money 
  • Why women must take charge of their financial future today, and what’s the fastest way to own your financial power

Whether you are in debt, living paycheck to paycheck, or simply feeling behind schedule on your savings and retirement dreams, David Bach has helped millions take charge of their financial life, and he can help you, too.

Length: 19 Video lessons in HD/5h 36m of class content

Financial literacy (Alison)

Master how to manage your money effectively by learning to budget and save with this free personal finance course.

What Will You Learn:

  • personal finance essentials, including the main methods for managing money, budgeting, saving, and staying out of debt.
  • checking and savings accounts
  • how to deal with unexpected events and debt how credit cards work
  • planning for retirement.

To obtain an Alison Graduate certificate of completion, you’ll need to score 80% or higher in each course assessment. Worth it? It’s a nice way to motivate yourself and show your improvement.

Length: 6 to 10 hours

How to Budget and Save Money

Say the word “budget,” and most people instantly feel a sense of dread—as if the walls are closing in on them. Most of us don’t like the idea of restricting our spending and feeling deprived of the things and experiences that we believe will make our lives better and more fulfilled.

But according to Erin Lowry, budgeting doesn’t have to be painful. Instead, it’s a great tool for helping you feel in control of your money. By setting a budget, you can change your bad spending habits and focus on purchasing the things you value most.

Once you’ve got your cash flow under control, then it’s time to start saving. Erin will give you a whole host of practical advice on how to save so you can avoid sinking deeper in debt, build a critical buffer in case of an emergency or streak of bad luck, and achieve true financial stability.

What Will You Learn:

  • Figure out how much you spend each month and track every penny.
  • Identify the budgeting method that’s right for you.
  • Evaluate your spending categories and prioritize them.
  • Create an emergency fund and decide how much to put in it.
  • Automate your savings to ensure you reach your goals.
  • Find ways to slash your spending and increase your income.

Length: 8 Video lessons in HD/1h 25m of class content

Learn and master the basics of finance (Udemy)

This Finance 101 course is meant for beginners and intermediate-level students of finance who would like to understand financial concepts better.

For example, if you’d like to get a better grip on the financial section of The Wall Street Journal, this course is for you.

What Will You Learn:

  • Basic banking concepts to more complex derivative products. The course keeps things simple and builds gradually to learn the more complex financial subjects. 

Length: 3 hours

PersonFinance for Everyone: Smart Tools for Decision-Making (edX)

This course is taught by Gautam Kaul, a professor from the Ross School of Business, University of Michigan. Topics covered in this program include: how to make better financial decisions, the time value of money, the basics of stock markets and investments, the proper role of credit, and how to use it judiciously.

What Will You Learn:

  • Why finance is everywhere and how it affects all of us
  • An understanding of the financial world, and an appreciation for the beauty and power of finance
  • Gain the fundamental knowledge, skills, and tools of finance and the ability to apply them everywhere, in personal and professional situations
  • Different frameworks for decision-making
  • Acquire skills in using different decision-making tools, and learn to make sound personal and professional financial decisions
  • The concept of Time Value of Money (TVM) and apply related tools and frameworks to everyday decisions
  •  

The course also covers how insurance works, the interplay between investments, credit, and insurance, and the importance of saving for retirement sooner rather than later.

Length: 5 weeks, requires 5 to 6 hours per week

Reset Your Money Mindset (CreativeLive)

Throughout our lives, we focus on building strong, positive connections with family, friends, and partners. But we tend to neglect one of the most important relationships we have—our relationship with money.

How we view, handle, and treat money has an enormous impact on our lives. Out-of-control spending, financial worries, and too much focus on pursuing wealth can affect our happiness, well-being, and personal relationships.

Author, consultant, and millennial money expert Tonya Rapley will help you create a healthy, harmonious rapport with your finances—no matter what your bank account balance is. You’ll learn how to develop a positive mindset even when challenges arise, understand how money worries are hurting you, and tap into the joys in life that money can’t buy.

What Will You Learn:

  • Explore and critique your financial history.
  • Understand how much your life costs and examine the true cost of ownership.
  • Regain control of your spending and identify spending trigger situations.
  • Figure out what makes you happy and create alternatives for spending.
  • Identify negative self-talk you’ve engaged in and establish positive money thoughts.
  • Complete one action that contributes to your new money narrative and achieves your goals.

Length: 7 Video lessons in HD/ 1h 17m of class content

Personal & family financial planning (Coursera)

Michael S. Gutter, a professor at the University of Florida, teaches this course.

Unlike other online courses in this list, this one mixes things up a bit. In addition to instructional videos, you’ll be using reading materials and completing practice exercises in each of its modules. 

What Will You Learn:

  • managing your finances using budgets, cover credit basics and debt management, plus discuss insurance and investment fundamentals. 

Length: 15 hours

Investment vehicles, insurance, and retirement (Khan Academy)

If you want to learn more about investment vehicles or are curious to know the differences between hedge funds, private equity, or venture capital, then this personal finance course is right for you.

The lessons are taught by Mr. Khan himself and grouped into five units.

Length: All videos are self-paced and do not require you to sign up.

Managing Personal Cash and Credit (edX)

Managing Personal Cash and Credit is made possible by the Brian and Sheila Jellison Family Foundation.

What Will You Learn:

  • Understand liquid assets and the financial institutions we use for our day-to-day cash management needs
  • Review types of cash management products available and their relative pros and cons
  • Explore options for online banking, checking accounts, and savings opportunities
  • Establish credit and use it to your advantage
  • Evaluate credit card options in the marketplace and make sense of complex data provided on your credit card statement
  • Learn about revolving credit and the options available for those need it
  • Impact your credit score to achieve financial and personal goals
  • Review secured credit and specialized applications for auto loans, mortgages and home equity loans
  • Make secure financial decisions regarding leasing, buying, and refinancing

Through course videos, selected short readings, and self-paced activities, students will gain practical bits of knowledge of core concepts of cash and credit and achieve a broader view of how personal managing personal cash and credit contribute to a successful and fulfilling life.

Improve your cash flow, credit score, and banking services by registering for this course.

Length: Estimated 4 weeks, 4–6 hours per week

Introduction to simple and compound interest (Alison)

Interest is the cost of borrowing money, and the way it’s calculated is crucial in helping you make better financial decisions.

What Will You Learn:

You’ll become proficient at calculating it and will learn the differences between simple and compound interest. 

Length: 1.5 to 3 Hours

Introduction to managing your personal finance debts (Alison)

If you want to become debt-free, this online course in managing personal financial debts will show you the way.

What Will You Learn:

  • solid financial management practices and useful tips for dealing with your debts. 

Sometimes the unexpected happens, which can lead to financial problems. Folks often have no other choice and get into debt, which can become unmanageable quickly.

Length: 1.5-3 Hours

Manage Your Money for Maximum Profit (CreativeLive)

Ready to take full control of your business’s financial health? Mike Michalowicz, the author of The Pumpkin Plan, The Toilet Paper Entrepreneur, Profit First, reveals shockingly simple principles behind financial management and leveraging it to grow your business.

What Will You Learn:

  • four principles of financial health and how to use them to create a profitable “rhythm” for your company.
  • psychology of managing your debt, whether you’re struggling with credit card debt, loans, or personal guarantees.
  • bring new money into your business through cost-cutting, renegotiating, finding lost revenue opportunities, and much more.

By the end of this course, you will have escaped the panic-driven cycle of operating check-to-check, and you’ll have a foolproof way of ensuring that your business becomes permanently profitable… from the very first day that you watch this course.

Length: 10h 20m of class content

Managing Your Personal Finances (TESDA Online Program)

This TESDA free course is a great starting point for young professionals. From managing debt to creating a spending plan for your family, this course will discuss important financial concepts that will be useful as you age.

The Money Tree (Global Book Launch)

This downloadable free guide isn’t technically a course but gives you practical tools and an action plan to take control of your money and life. It is written by New York Times best-selling author, Chris Guillebeau.

This is for:

  • Those concerned about money during these uncertain economic times
  • Creators who wouldn’t normally read a how-to business book
  • People working remote for the first time
  • 9-to-5 workers
  • People who want to live their dream life

Length: 1h 45m of class content

Master Your Money Super Bundle

Master Your Money Bundle is not just a course, it includes 44 other personal finance resources. You’ll learn a complete system for budgeting, paying off debt, making more money (methods you never knew existed!), and saving for the future.

Learn more about this course here.

Take Steps Towards Financial Wellness

It’s vital to increase your personal finance knowledge and skills by taking personal finances courses because it directly relates to your everyday life; it shouldn’t be ignored.

As good ole Benjamin Franklin once said: “An investment in knowledge pays the best interest.”

So, hit the books, invest in yourself, and become better at properly managing your money. In the end, you’ll be richer for it.

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