Cursos de finanças pessoais
Savings

5 personal finance courses to learn how to manage your money better

8 de January, 2024

The 2023 study on financial literacy developed by the “International Network on Financial Education” of the Organization for Economic Cooperation and Development (OECD/INFE) revealed that Portugal ranked 13th in the global indicator of financial literacy.

This survey, carried out in 39 countries, looked at three dimensions: financial attitudes, financial behavior and financial knowledge. In this last indicator, our country comes in only 21st place.

In addition, Portugal ranks below the average of the participating countries when it comes to defining long-term financial goals and saving proactively.

Financial literacy is fundamental to managing your money better, to knowing how to save and invest and, ultimately, to making conscious and informed decisions that have an impact on our financial well-being.

If you’d like to improve your financial literacy, here are five personal finance courses that can help you.

Read also: 5 Podcasts about personal finance and savings

1 – Proteste Investe

DECO’s Proteste Investe portal provides independent financial information on topics such as term deposits, savings accounts and PPRs, among others.

Among the various resources available is the “My Money” e-learning course, which aims to share knowledge in the area of personal finance and help people make decisions that improve their day-to-day management and help them achieve their goals at different stages of life.

2 – Everyone Counts

Todos Contam platform is a portal of the National Plan for Financial Education that provides useful information and resources for managing personal finances and making financial decisions at different stages of life.

In addition to various simulators (for mortgage loans, consumer credit, PPR, among others), it has e-learning courses on topics such as: planning the family budget, saving and investing, knowing taxes, setting up a business or taking out insurance.

3 – Finance for All

Finance for All program was created by the Nova SBE Finance Knowledge Center with the aim of increasing levels of financial literacy in our country. The content taught covers the following topics:

  • Financial Planning and Family Budgeting;
  • Consumer and Housing Credit;
  • Investment and Reform;
  • Banking, Insurance and Digital Financial Literacy;
  • Over-indebtedness.

This training plan is free and can be attended online or in person at the Nova SBE campus in Carcavelos. At the moment, registration is temporarily closed, but you can leave your contact details so that you can be contacted when new vacancies open up.

4 – MoneyLab

MoneyLab presents itself as a financial education and literacy project whose aim is to make citizens more responsible and aware of their financial decisions.

This platform offers various resources, such as articles and simulators, as well as the “From Zero to Financial Freedom” training course. This course, which has several modules, begins by covering more general topics such as the relationship with money or the family budget, then moves on to subjects such as savings habits, types of investments or tips for choosing good investments.

5 – Udemy

Udemy positions itself as a marketplace for teaching and learning, with courses in dozens of areas, including personal finance. Some of the courses available are:

  • Financial Education and Personal Finance;
  • How to have a balanced financial life;
  • Financial Independence: A Beginner’s Guide.

There are paid courses, but also free ones, and most are available in Portuguese or with Portuguese subtitles.

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