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Personal Finance & Money Basics for Students

Budget banana, UPI safety, credit score aur saving goals: students aur freshers ke liye practical money skills

Ghosla Academy · Finance Team

Yeh course paise ko samajhne ka simple, practical aur Indian tareeka hai. Budget banana, kharche track karna, inflation aur compounding samajhna, aur UPI aur cards ko safely use karna, sab real-life student examples ke saath. Credit score, credit card, BNPL aur education loan ke sach ko bhi samjhaya gaya hai, aur end mein aap apna emergency fund aur goal plan banayenge. Yeh course sirf education ke liye hai: koi investment tips ya return ke promise nahi; personal advice ke liye SEBI-registered adviser se milein.

What you will be able to do

  • Income, expense aur savings ko in-hand amount ke basis par plan karna
  • 50/30/20 ya zero-based method se budget banana aur track karna
  • Inflation, compound interest aur Rule of 72 samajhna
  • UPI, cards aur online frauds se khud ko safe rakhna
  • Credit score, credit card, BNPL aur education loan ko samajhkar use karna
  • Emergency fund aur goal-based saving plan banana

What you build

  • 3-month student budget aur expense tracker sheet
  • Personal money plan: emergency fund aur 3 SMART goals

What you need to start

  • Koi finance background nahi chahiye
  • Smartphone ya laptop jisme Google Sheets/Excel chal sake

Curriculum · 5 sections, 20 lectures

Paisa aur mindset4 lectures
  1. Money basics: income, expense aur savingsFree preview10 min
  2. Inflation aur compound interestFree preview12 min
  3. Needs vs wants aur spending psychology8 min
  4. Quiz: money basics5 min
Budgeting4 lectures
  1. 50/30/20 aur zero-based budget12 min
  2. Expense tracking: app, sheet ya diary10 min
  3. Project: apna 3-month student budget18 min
  4. Quiz: budgeting5 min
Banking, UPI aur safety4 lectures
  1. Savings account, FD aur RD basics12 min
  2. UPI, cards aur digital safety12 min
  3. Common frauds aur kaise bachein8 min
  4. Quiz: banking aur safety5 min
Credit aur loans4 lectures
  1. Credit score kya hota hai10 min
  2. Credit card, BNPL aur EMI ka sach12 min
  3. Education loan basics8 min
  4. Quiz: credit aur loans5 min
Saving goals aur investing ki shuruaat4 lectures
  1. Emergency fund aur goal-based saving10 min
  2. Risk, return aur diversification: concepts12 min
  3. Project: goal plan with emergency fund18 min
  4. Quiz: goals aur investing concepts5 min

Who this is for

  • College students jo pocket money ya stipend manage karna seekhna chahte hain
  • Freshers jinki pehli salary aane wali hai
  • Class 11–12 ke students jo money basics jaldi seekhna chahte hain