Some people have an intuitive ability to deal with finances. Others need to take a more conscious approach to handle money if they are to maximise their assets. This course is ideal for those wanting to develop their ability to make better decisions with a variety of financial challenges, including how to make more money!
The Certificate of Personal Finance Management is an online professional development program that will give you insights into how to borrow, spend, invest, save and ultimately manage your finances.
In this personal finance course, you learn about financial terminology, how to plan and manage your money, and how to buy, borrow and invest.
You will also study the intricacies of superannuation and the money market, how to organise your finances, and how to communicate with and leverage the benefits of banks.
On completion of this course, you will have enhanced your understanding of finance and money management, which can lead to building your wealth or developing a solid foundation in the finance industry.
Course Structure
Financial Money Management
Unit 1 – Understanding Financial Terminology
- Financial management goals
- Financial terminology/language
- Financial statements
Unit 2 – Planning and Managing Your Cash
- Budgeting
- Cash flows
- Profit and Loss
- Balance sheet
- Financial records
- Problem solving
Unit 3 – Borrowing: for Goods and Against Property, Assets, etc.
- Why borrow?
- Types of loans and Sources of funds
- Getting a mortgages to suit you
- Credit card control
- Debt Management
Unit 4 – Buying
- What to look for
- Hidden traps
- Consumer protection
- Deciding when not to buy on credit
- Forms of credit
Unit 5 – The Money Market
- Introduction
- Sterling money market operations
- Reserve averaging scheme
- Standing facilities
- OMOs
- Money
- Investment
Unit 6 – Investing
- What is an investment?
- Investment types: Housing, land, stocks, bonds, trust funds, antiques business investments, insurance (annuities) and more.
- Buying shares
- Spreading your investment
- Investment appraisals
- A lifetime guide to money matters: Managing your cash, debt, insurance, housing, strategic planning
- Making your own money
- Using your money
- Keeping your money
- Counting your money
- Enjoying your money
- Investing in shares
- Buying or starting a business
Unit 7 – Risk and Superannuation – Lump Sum, Rollover etc.
- Handling lump sums
- Investment options
- Superannuation for:
- Employees
- Employers
Unit 8 – Reducing Costs -Cutting Down on Expenditure. Getting Better Credit Card Rates
- Methods of cost-saving
- Alternative Living
- Reducing the cost of credit
- Use your property
- Organising your finances
Unit 9 – Banks – How They Can Help You
- E-commerce
- Bank clearing house
- Choosing a bank
- Types of banks
- Bank fees
- Getting the most from your bank including reduced credit card rates
Unit 10 – Communication
- Introduction
- Understanding financial terminology
- How to deal with financial advisors
- Understanding communication
- Interpersonal communication skills
Study Hours
Estimated duration 50 hours
Course Delivery and Start
Start anytime, self-paced and 100% online
Assessment
Assessment will be comprised of written exercises, including short-answer questions, reflective tasks, short reports and/or projects. There are no examinations or due dates for assessment. As a result, you can complete training in your own time and at your own pace with the assistance of unlimited tutor support.
Testimonials
The course was easy to access, Straight forward questions, Good learning experience
C.Brant, Bendigo,VIC | Certificate of Personal Financial Management
Good coverage of necessary content on personal financial management
S. Man Chan, Salter Point, WA | Certificate of Personal Financial Management
The course was interesting and I enjoyed the experience, support was available when needed and I learned a lot.
Harrison | Heathridge, WA | Certificate of Personal Financial Management
About Us
Graduation
A Certificate of Attainment and Statement of Results will be issued upon successful completion of this course.
How to Enrol
Enrol Online: Enrol Now
Enrol via Live Chat (Business Hours)
Enrol via Telephone 1300 76 2221 (Business Hours)
Enrol via Purchase Order/Tax Invoice
Enrolling Multiple Staff?
To enrol multiple staff, please complete the Employer Enrolment Form. We’ll be in touch within 60 minutes during business hours!
Payment Options
Visa, Mastercard, BPAY and EFT/Direct Deposit. Please allow 1-2 Business days for processing for EFT and BPAY.
Course FAQs
Why Choose Australian Online Courses?
- Professional development that is widely recognised and respected;
- Improve your employment opportunities;
- Study online, anywhere via our elearning system;
- High-quality professional development programs written by industry experts;
- All course materials provided online – no textbooks to buy;
- Unlimited tutor support via email;
- We offer twelve (12) months’ access, with extensions available upon application (fees apply);
- Course may be tax deductible; see your tax advisor.
Are there any entry requirements or pre-requisites?
There are no course or subject pre-requisites for entry into our programs. However, our professional development programs are generally intended for people over the age of 18. In some circumstances, enrolments from younger people may be considered. Please complete the AOC Parent Guardian Consent Form prior to enrolling and submit here.
Are there any computer requirements?
To study online with Australian Online Courses you will need a computer (desktop PC/laptop) running a current/updated operating system with reliable high-speed internet access. You will need to use the Google Chrome browser to access your course.
When can I start this course?
You can start within 60 minutes during business hours when you enrol and pay in full with a credit card!
Credit card: Within 60 mins during business hours.
BPAY: Within 1-2 working days.
Internet Banking: Within 1-2 working days.
Cheque/Money Order: Upon receipt of mailed cheque.
How is this course delivered?
This course is delivered online via our easy-to-navigate Learning Management System (LMS), where you will discover interactive online learning/written content, resources and assessment.
Do I need to attend classes or undertake any work placements?
No. All courses are delivered online via our LMS and there are no work placement requirements in this course.
What support can I expect from Australian Online Courses?
Unlimited tutor support is available throughout your studies via email only during business hours Monday to Friday. Our Administrative team are available Monday to Friday via email, live chat and telephone.
I am an international student. Can I enrol into this course?
Yes! We accept enrolments from individuals both within Australia and internationally; location is no barrier to entry into our programs.
Career Pathways
Future growth
Strong
Unemployment
Low
Professional development for those wishing to understand their personal finances and manage money to build personal wealth.
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