Free
What you'll learn
Basic concept - Credit is borrowed money that must be repaid, usually with interest. It's built on trust and financial responsibility.
Credit score importance - Their future financial opportunities (car loans, apartments, college loans) will depend on their credit history and score.
How credit scores work - Scores are calculated based on payment history, amounts owed, length of credit history, new credit, and types of credit used.
Building credit early - They can start building credit as authorized users on parents' accounts, with secured credit cards, or student credit cards when they're old enough.
Dangers of debt - Understanding how interest compounds and how minimum payments can lead to long-term debt problems.
Credit vs. debit - The difference between using borrowed money (credit) and their own money (debit).
Protecting their credit - The importance of protecting personal information, checking credit reports, and avoiding identity theft.
Budgeting basics - How to only use credit for planned purchases they can afford to repay.
Common credit mistakes - Late payments, maxing out cards, and opening too many accounts can all damage credit.
Free
What you'll learn
Negotiate effectively and fairly to make 1000s more than they would otherwise
Be confident in starting and finishing a negotiation
Use smart tactics to increase their bargaining power
Develop mental and emotional strength to keep pushing until they get a great price
Use negotiating skills in both personal and professional situations
Bargain over everything from huge corporate deals, to flea market haggles
Combat common techniques to ensure their profit isn't diminished without them noticing
