Table of Contents
The Evolution of Credit Card Usage 
Personal Finance

Budgeting Classes

April 2024
·
Melinda Opperman

For 40 years, we’ve been presenting financial literacy education to our clients and to the community free of charge. Our budgeting classes and other personal finance education offerings are available everywhere via the internet.

We regularly add new courses and revise old ones on our online FIT Academy (Financial Instructional Training). These courses are available 24/7 and there is no need to register.

You can opt to receive a Document of Achievement by completing pre- and post-quizzes and providing your name and email, but this is not necessary to take advantage of the free courses.

Budgeting Courses

Three of our free online courses deal directly with budgeting:

  • Power of Paycheck Planning– our most popular course helps you create a plan for your paycheck before you spend it. This course offers info on tracking spending to create a truly effective new budget.
  • Budgeting 101– a quick starting point for those new to the process. This basics course helps you learn where to start, how to organize your spending, and prioritizing all of the items on your new budget.
  • Budget 911– a course designed to help those who are facing a budget emergency. How can you weather a financial crisis and live a more wallet-friendly lifestyle? Check out this course for help.

Credit Courses

Several of our courses cover credit and debt related issues:

  • Understanding Your Credit Report: This course helps you understand what’s in your credit report, how it gets there, and what it says about you. It also tells you how credit scores are calculated and what you can do to make sure your credit report is accurate and up to date.
  • Wise Use Of Credit: A great course for those who are new to credit and need to establish a credit history, or those who are rebuilding their credit and need to re-establish positive credit.
  • Roadmap to Financial Freedom: This course helps you understand the process of repaying your credit card debts through a DMP (Debt Management Plan) from credit.org.

Other Courses

  • Identity Theft Prevention: How to protect your identity and recover from this crime if your ID is compromised.
  • Preventing Foreclosure: Keep your home safe from foreclosure, know your options, and take action early as soon as your mortgage becomes delinquent.

For links to all of these free online courses, check out our FIT Academy page. You can also download free pdf workbooks for these courses and more from our downloads page.

‍

Article written by
Melinda Opperman
Melinda Opperman is an exceptional educator who lives and breathes the creation and implementation of innovative ways to motivate and educate community members and students about financial literacy. Melinda joined credit.org in 2003 and has over two decades of experience in the industry.
Take the First Step Towards Financial Freedom!
Get Started Now1 (800) 431 - 8157

Popular articles

Personal Finance

The Costs of Keeping Fed

by Melinda Opperman
Personal Finance

Handling Extra Income – from Tax Refunds to Side Jobs

by Melinda Opperman
Homeownership

How to Stay Qualified for a Home Loan

by Melinda Opperman

Subscribe to our newsletter

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Credit.org is NOT A LOAN COMPANY. WE DO NOT LOAN / LEND MONEY.

Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.
Consent and Privacy Policy
Copyright © Credit.org
About Us
Services and Resources
// Conditionally load heavy scripts based on screen width if (window.innerWidth > 768) { import('./heavyModule.js').then((module) => { module.heavyFunction(); console.log('Heavy module loaded for desktop'); }); } // Dynamically import a module when a specific element is clicked document.getElementById('loadModule').addEventListener('click', async () => { if (window.innerWidth > 768) { // Check condition for heavy modules const { heavyFunction } = await import('./heavyModule.js'); heavyFunction(); } }); // Initialize a Web Worker to offload heavy calculations const worker = new Worker('worker.js'); worker.postMessage({ type: 'startHeavyCalculation' }); worker.onmessage = function(e) { console.log('Message from Worker:', e.data); }; // Function to break a long task into manageable chunks function breakIntoChunks(tasks) { let i = 0; function processNextChunk() { if (i < tasks.length) { processTask(tasks[i]); // Process each task i++; if (i % 5 === 0) { // After every 5 tasks, delay the next chunk setTimeout(processNextChunk, 0); } else { requestIdleCallback(processNextChunk); } } } requestIdleCallback(processNextChunk); } // Example tasks array to demonstrate breaking into chunks const tasks = Array.from({ length: 100 }, (_, i) => () => console.log(`Task ${i + 1}`)); breakIntoChunks(tasks);