{"id":973,"date":"2026-08-18T07:00:40","date_gmt":"2026-08-18T07:00:40","guid":{"rendered":"https:\/\/smartmoneymaps.com\/?p=973"},"modified":"2026-08-18T07:00:40","modified_gmt":"2026-08-18T07:00:40","slug":"personal-finance-101-budgeting-debt-saving-investing-full-course","status":"publish","type":"post","link":"https:\/\/smartmoneymaps.com\/?p=973","title":{"rendered":"Personal Finance 101: Budgeting, Debt, Saving &amp; Investing (Full Course)"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/SuVhejQeHrI\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>\ud83d\udcd7 Printable Workbook: https:\/\/debt-over-it-workbook.subscribepage.io\/<\/p>\n<p>\u2b07\ufe0f All other resources mentioned \u2b07\ufe0f<br \/>\nDoc with more info on each: https:\/\/docs.google.com\/document\/d\/1AZFdRvboe1DyWxX_18oWDWvWLVuT_ZGMhNHmM0vbv6E\/edit?usp=sharing<\/p>\n<p>Or all below:<\/p>\n<p>Work with me 1:1\/Financial Coaching: https:\/\/debtoverit.com\/coaching<br \/>\nJoin my community: https:\/\/www.skool.com\/budget-build-1523\/about<\/p>\n<p>\ud83d\udcb2 Budgeting \ud83d\udcb2<\/p>\n<p>Google sheets (you&#8217;ll also get this if you got the workbook): https:\/\/subscribepage.io\/VILOw8<br \/>\nSpending tracker: https:\/\/personalfiwithleila.etsy.com\/listing\/1614649286\/expense-tracker-1-3-months-google-sheets<br \/>\nLunchmoney app: https:\/\/www.lunchmoney.app\/leila <\/p>\n<p>\ud83d\udcb0 Reduce Expenses \ud83d\udcb0<\/p>\n<p>Mint Mobile: https:\/\/my.mintmobile.com\/refer\/u4SNpvd<br \/>\nCar insurance tool: https:\/\/secure.money.com\/pr\/ce1b14a95534<\/p>\n<p>\ud83d\udcb3 Credit &amp; Credit Building \ud83d\udcb3<\/p>\n<p>List of Balance Transfer cards: https:\/\/tinyurl.com\/mtm6abt5<br \/>\nCredit Karma: https:\/\/www.creditkarma.com\/<br \/>\nCITI pre-approval: https:\/\/online.citi.com\/US\/nga\/cards\/pre-qualify<br \/>\nDiscover pre-approval: https:\/\/tinyurl.com\/n3b3jme9<br \/>\nCapital One pre-approval: https:\/\/tinyurl.com\/279238hb<br \/>\nTravelFreely: https:\/\/travelfreely.com\/<br \/>\nSelf Credit Building Loan: https:\/\/www.self.inc\/refer\/DIMCC1CD<\/p>\n<p>\ud83d\udcb5 High-Yield Savings Accounts \ud83d\udcb5 <\/p>\n<p>Marcus: https:\/\/www.marcus.com\/share\/LEI-VSR-SXB6<br \/>\nWealthfront: https:\/\/www.wealthfront.com\/c\/affiliates\/invited\/AFFB-M2JQ-52LB-HM5Z<br \/>\nCrew (code LEILA): https:\/\/trycrew.com?referral_code=LEILA<br \/>\nSofi: https:\/\/refer.sofi.com\/c\/4802566\/2083783\/25681?adcampaigngroup=bank&amp;adnetwork=brand<br \/>\nAlly: https:\/\/www.ally.com\/bank\/online-savings-account\/<br \/>\nSynchrony: https:\/\/tinyurl.com\/maxk3tf6<br \/>\nCapital One: https:\/\/www.capitalone.com\/bank\/savings-accounts\/online-performance-savings-account\/<br \/>\nOther options: https:\/\/secure.money.com\/pr\/pc067f75667b<\/p>\n<p>\ud83d\udcb8 Investing \ud83d\udcb8<\/p>\n<p>Vanguard: https:\/\/investor.vanguard.com\/<br \/>\nFidelity: https:\/\/www.fidelity.com\/<br \/>\nInvesting tutorial videos: https:\/\/www.youtube.com\/playlist?list=PLeNcZyHox1X4fVYNinmNAcGEZN3CADmFu<br \/>\nGoal tracker (Google Sheets): https:\/\/personalfiwithleila.etsy.com\/listing\/1386097120\/financial-goal-tracker-google-sheets<\/p>\n<p>\ud83e\udd11 Make money \ud83e\udd11<\/p>\n<p>Upside app (code debtoverit): https:\/\/upside.sjv.io\/c\/4802566\/3371780\/39811?param1=debtoverit<br \/>\nAccount bonus guide: https:\/\/youtu.be\/uwJxblDe1lI<br \/>\nResearch groups: https:\/\/app.respondent.io\/r\/leilakartforosh-630287e13805<\/p>\n<p>\ud83c\udf1f Financial Independence \ud83c\udf1f<\/p>\n<p>Investment calculator: www.calculator.net<br \/>\nMy fav FI Podcasts:<br \/>\nChooseFI: https:\/\/choosefi.com\/listen<br \/>\nMadfientist: https:\/\/www.madfientist.com\/podcast\/<\/p>\n<p>My fav FI Blogs:<br \/>\nMr. Money Mustache: https:\/\/www.mrmoneymustache.com\/<br \/>\nMadfientist: https:\/\/www.madfientist.com\/<br \/>\nFinancial Samurai: https:\/\/www.financialsamurai.com\/<\/p>\n<p>\u23f0 Timestamps \u23f0<\/p>\n<p>DAY ONE<br \/>\n00:00 Intro<br \/>\n00:54 What you need<br \/>\n01:34 Phases<br \/>\n01:55 Phase 1: Awareness\/Financial Snapshot<br \/>\n02:33 Your Debt<br \/>\n04:13 Finsing your interest rate<br \/>\n08:22 Your Assets<br \/>\n10:06 Your Net Worth<br \/>\n11:02 You Spending<br \/>\n14:05 Annual Planning<br \/>\n16:32 Employer Benefits &amp; Paychecks<br \/>\n19:45 How to read your paychecks<br \/>\n24:50 Phase 2: Budget &amp; Optimize<br \/>\n25:03 Rough budget<br \/>\n26:28 Detailed how to create a budget<br \/>\n44:09 Expense reduction<br \/>\n51:40 Tracking your spending<br \/>\n01:01:32 Debt pay off<br \/>\n01:02:26 Credit card debt<br \/>\n01:20:38 Student loans<br \/>\n01:22:44 Medical debt<br \/>\n01:24:03 Choosing a debt pay off plan<br \/>\n01:31:00 Set up autopay<br \/>\n01:32:00 Credit Score 101<br \/>\n01:39:48 Tips to increase your cedit score<br \/>\n01:47:31 Pay off debt or save?<br \/>\n01:47:52 Your savings<br \/>\n01:48:04 Your emergency fund<br \/>\n01:49:16 Sinking funds<br \/>\n01:52:16 High yield savings account<br \/>\n01:55:25 Auto-savings<br \/>\n01:57:52 Investing<br \/>\n02:00:22 Accounts to invest in<br \/>\n02:00:25 Employer sponsored plans<br \/>\n02:07:54 IRA<br \/>\n02:13:07 HSA<br \/>\n02:18:18 Taxable brokerage account<br \/>\n02:20:14 Where to invest (broker and funds)<br \/>\n02:24:22 My investments<br \/>\n02:25:33 Difference between index funds and ETFs<br \/>\n02:27:09 How to read a fund summary sheet<br \/>\n02:32:55 Investing key terms to look for<br \/>\n02:33:37 Target Date Funds<br \/>\n02:34:35 Important reminders with investing<br \/>\n02:36:18 Order of investing<br \/>\n02:38:03 Financial goals<br \/>\n02:40:14 Finalize budget<br \/>\n02:40:56 Stop leaks in your spending<br \/>\n02:42:31 Find Money\/Increase your income<br \/>\n02:49:46 Organizing your money and building habits<br \/>\n02:53:01 Annually<br \/>\n02:55:51 Monthly<br \/>\n02:57:48 Weekly<br \/>\n02:59:35 Daily<br \/>\n03:03:00 Annual tracker<br \/>\n03:12:11 Financial independence<br \/>\n03:15:26 Investment calculations<br \/>\n03:17:52 25x Rule<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcd7 Printable Workbook: https:\/\/debt-over-it-workbook.subscribepage.io\/ \u2b07\ufe0f All other resources mentioned \u2b07\ufe0f Doc with more info on each: https:\/\/docs.google.com\/document\/d\/1AZFdRvboe1DyWxX_18oWDWvWLVuT_ZGMhNHmM0vbv6E\/edit?usp=sharing Or all below: [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartmoneymaps.com\/?p=973\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Finance 101: Budgeting, Debt, Saving &amp; 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