For most of us, educating ourselves on personal finance and budgeting is a life-long, test and learn method, and many of us end of making some money-related mistakes that keep us in debt for a substantial period of time. A lucky few of us have friends and family who will give us solid financial advice along the way, but the sad reality is that one in three Americans don’t even know what the interest rate on their credit card is. We’re “financially phobic” as a nation, staying away from our own financial well-being.

So here are eight free financial courses that you can take at home. These free courses will help you take a step in the right direction by arming you with some fundamentals on financial planning, investing, insurance products and pension planning.

1. Personal and Family Financial Planning, University of Florida via Coursera

This is an in-depth financial course created by the University of Florida that helps you understand financial security, how to build good credit, how to manage risk and the time value of money. By Week 6, you’ll learn the rules of investing, and by week 8 you’ll have put your personal finance plan together. Each week is graded with a quiz.

Cost: Free ($49 for Certificate you can share on LinkedIn)

Duration: 9 weeks

2. An Introduction to Credit Risk Management, Delft University of Technology

Why is lending money so risky? Why is it essential to correctly manage credit risk? You will combine theory with practice in order to answer these questions in this rigorous course. While this topic may not be something that you might need in your personal life, it’s interesting to learn more about what happens behind the scenes of hedging and lending money.

Cost: Free (Option to add a verified certificate for $50)

Duration:  7 weeks, for 7 hours per week

3. Managing my money, Martin Upton (OU Business School)

Here you will explore the world of mortgages, pension planning and different types of insurance. Martin Upton, Director of the True Potential Centre for the Public Understanding of Finance (PUFin) at the OU Business School, guides you on how to create financial planning reports, compare loans and mortgages, describe pension products and summarize insurance products.

Cost: Free for 10 weeks (with an option to upgrade for unlimited access for $59)

Duration: 8 weeks, for 3 hours per week

4. Financial Literacy, Alison

Here you’ll learn the basics of the one thing that everybody wants: money. This course not only helps you navigate your income, budget and savings, but you will also learn to manage debt successfully. It also touches upon insurance products and protection, short-term saving, and planning for retirement.

Cost: Free

Duration: 10 Hours

5. Financial Markets, Robert J. Shiller (Professor of Economics at Yale University)

This is a Yale College course, which helps students understand the theory of finance in relation to its institutions such as banking, insurance and other derivative markets. This is a video course that was recorded for Open Yale Courses in 2008. The link lets you download all the course pages so you can learn this advanced topic at your own pace. You can also buy all the books required to complete this course at 10% discount at Yale University Press.

Cost: Free

Duration: Approximately 20 weeks, but you can learn at your own pace

6. Personal taxes, Khanacademy

This quick 40-min course will give you an overview of the basics of US income tax rate schedule so you can better understand why your paycheck is lower that what you initially thought it would be. You will study about tax brackets and progressive taxation, calculating state taxes vs. take home pay and the marriage penalty.

Cost: Free

Duration: 40 minutes

7. Personal Finance Co-Pilot, Brett Romero via SkillShare

This unique, hour-long course teaches you how to create a financial co-pilot that will help you constantly monitor your finances and tells you how much you should save and how to plan for life’s unexpected events. Prepare to have fresh new perspective on budgeting and financial planning!

Cost: Free

Duration: 55 minutes

8. Financial Planning for Young Adults, University of Illinois at Urbana-Champaign via Coursera

Real-world scenarios coupled with video interviews with actual CFP professionals make this course an absolute must. If you are able to only complete one course on this list- this is it. You will cover the basics of financial planning and also be challenged to think critically about each of the real-world scenarios that this course poses. The last module is dedicated to financial planning as a career.

Cost: Free ($49 for Certificate you can share on LinkedIn)

Duration: 4 weeks, for 4 hours per week

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