Money & You

Money & You — Foundations of Personal Finance
6 modules · ~60 minutes · Beginner level · Certificate on completion 

Most people grow up using money every day without ever being formally taught how it works. They learned by watching, by guessing, and often by making costly mistakes that could have been avoided with the right foundation. 

Money & You closes that gap. 

This course is built for students, young working adults, parents, entrepreneurs, and SME owners across Africa. People who are already navigating real financial decisions. Who deserve practical, honest guidance to do it better. Every module is grounded in the African context. Irregular income, mobile money, informal savings systems, family financial obligations. The realities of building wealth from a modest starting point. 

What You Will Learn 

Module 1 — Money & You: Why financial literacy matters. The African financial context, common money myths. The difference between financial literacy and financial fluency. 

Module 2 — How Money Works: Income (active vs. passive), expenses (fixed vs. variable), assets vs. liabilities, and net worth. The four building blocks of every financial life. 

Module 3 — The Banking System: Types of accounts. How interest works for and against you, credit basics. The role of formal and informal finance, including stokvels, SACCOs, and mobile money. 

Module 4 — Budgeting & Saving: Why budgets fail and how to fix that, the 50/30/20 framework. Pay-yourself-first principle. The power of small, consistent action. 

Module 5 — Making Financial Decisions: Needs versus wants, opportunity cost. Understanding everyday financial risk. The emotional side of spending. A practical four-question framework for better decisions. 

Module 6 — Your Financial Future: Setting clear, actionable financial goals. An introduction to investing. The power of compound growth explained simply. Your next steps beyond this course.