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Master Personal Finance with Excel

person icon Prakash Prasad

4.3

Master Personal Finance with Excel

5 Course in 1! Save, Invest & Earn FAR More! By Top Award Winning Investment Banker, Financial Planner, & Personal Coach

updated on icon Updated on Jun, 2025

language icon Language - English

person icon Prakash Prasad

English [CC]

category icon Office Productivity,Microsoft,Excel

Lectures -13

Resources -7

Duration -3.5 hours

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4.3

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Course Description

Let me begin by asking a few simple questions...

  • Have you ever received many credit card offers and wondered which ones to go for?
  • Have you ever wondered why some people are so rich?
  • Have you ever felt confused when an investment product was explained to you?
  • Have you ever thought about how to plan your expenditures and cash flows?
  • Have you ever had someone talking about retirement savings and you were stressed out?
  • Have you ever been out of money?
  • Have you been utterly confused with the personal finance jargon or terms?
  • Have you ever dreamed of having financial abundance?
  • Have you ever felt the urge to be your own personal financial planner?
  • Have you ever wondered why my value of money is going down or things are becoming expensive?
  • Have you ever thought of consulting an Investment Psychologist (Personal Finance Planner) but couldn't afford their fees?
  • Have you ever thought to be Financially Independent?
  • Have you ever thought about why loan/credit is so expensive/costly?
  • Have you ever had difficulty understanding the math behind personal finance?

If your answer to most of the above questions is YES! Then this is the Course for you!

Why Personal Finance is so difficult?

  • Schools don't Teach you to Manage your Money!
  • 9 out of 10 people think that Financial Goals seem impossible to reach, Understanding Money is So HARD, Spending Today is Good (tons of Debt), Investing is TOUGH, Always out of Budget, Don't know how to get rid of financial hardship (stress), Confused with choices.
  • No one is told about the Power of Compounding
  • No one taught us to manage our expenses
  • No one taught us the math of personal finance - The RIGHT & EASY way!
  • No one taught us to Do-it-Yourself of Personal Finance and Investing

You'll learn in this course:

Section I: Personal Finance Foundations

  1. Setting Financial Goals:
    • Short-Term, Mid-Term, and Long-Term Goals.
    • Example of SMART Goals.
    • Life Cycle Stages & Financial Milestones.
    • Exercise: Calculate Your Net Worth.
  2. Budgeting & Cash Flow Management:
    • Positive and Negative Impacts on Financial Health.
    • Exercise: Calculate & Plan Monthly Expenses.
    • How to Design a Household Budget.
    • Is Credit Card Interest Worth It?
    • Why You Spend More Than Planned.
    • Cash Flow Planning:
      • The 20% Rule for Savings.
      • Rule of 6 for Emergency Funds.
      • Exercise: Create a Cash Flow Plan.
  3. Banking Decisions:
    • Deciding Which Bank is Best for You.
    • What Happens When a Bank Fails?

Section II: Rules of Personal Finance (Simple Math Principles)

Understanding Growth:

  • Rule of 72 (Doubling).
  • Rule of 115 (Tripling).
  • Rule of 144 (Quadrupling).
  • Rule of 69 for Continuous Compound Interest.
  • Savings Rules:
    • Rule of 15 for Retirement.
    • The 8x Salary Rule for Financial Security.

Section III: Behavioral Finance & Investing Psychology

Core Principles:

  • 2 Key Rules for Financial Success.
  • Why Financial Behavior Differs Among Individuals.
  • Key Behavioral Biases:
    • Overconfidence
    • Anchoring
    • Loss Aversion
    • Familiarity Bias
    • Herding
  • Managing Behavioral Traps:
    • Information Overload & Its Impact.
    • 9 Tactics for Better Behavioral Finance Decisions.

Section IV: Risk Profiling & Asset Allocation

Risk Profiles:

  • Risk Tolerance Based on Age.
  • Risk Profiling Based on Financial Situation.

Asset Allocation Strategies:

  • Balancing Risk vs. Return.
  • Understanding the Risk Tolerance Matrix.

Section V: Investment Foundations & Products

Key Concepts of Investing:

  • Savings vs. Investments.
  • APR, Returns, Inflation, and Risk.
  • Power of Compounding.
  • Investment Products Overview:

    • Stocks, Bonds, Mutual Funds, ETFs.
    • Precious Metals: Gold, Silver, etc.
    • Small Savings Schemes (PPF, NSC).
    • Insurance (Life & General).
    • Alternative Investments (Private Equity, Cryptocurrency).
  • Investing in Stocks:

    • How to Identify the Right Stocks.
    • Key Ratios: P/E, Debt-to-Equity, ROE.
  • Mutual Funds:

    • Key Concepts: NAV, Loads, SIP, STP.
    • 12 Benefits of SIP Investing.
  • Real Estate Investing:

    • Benefits & Costs of Real Estate.
    • 7 Types of Real Estate & 13 Mistakes to Avoid.
  • Bonds & ETFs:

    • Different Types of Bonds & Their Risks.
    • Benefits & Risks of Investing in ETFs.
  • Cryptocurrency Investing:

    • Types & Key Tips for Investing Safely in Cryptocurrencies.

Section VI: Financial Planning & Robo-Advisory

  • Do You Need a Financial Planner?
  • Introduction to Robo-Advisory:
    • Top Robo-Advisors and Their Features.

Section VII: Goal-Based Financial Planning

  • Specific Goal Planning:
    • Saving for Education, Dream Home, Retirement.
  • Time Value of Money:
    • Concepts of Present Value (PV), Future Value (FV), Annuity, and Annuity Due.
    • Practical Exercises: Calculating PV & FV for Personal Goals.

Section VIII: Credit Facilities

  • Understanding Loans:

    • Home Loans, Car Loans, Personal Loans, Education Loans.
    • Credit Cards: Is It Worth It?
  • Key Financial Rules:

    • Rule of 30% (Limit on Housing Expenses).
    • Rule of 2% (Savings Rate).
  • Credit Card Pitfalls:

    • 6 Deadly Mistakes with Credit Cards.
    • 10 Ways to Avoid Defaulting.

Section IX: Become a Master Expense Planner

  • Expense Management:
    • 15 Things to Stop Spending On.
    • Exercise: 122 Ways to Optimize Your Expenses.

Section X: Credit Rating, Credit Score, & Credit Report

  • Overview of Credit Scores:

    • Credit Score Range & What It Means.
    • Role of Credit Bureaus.
    • Importance of a Good Credit Score.
    • Exercise: How to Legally Get Your Credit Report.
  • Repairing Your Credit:

    • 7 Effective Ways to Improve Your Credit History.
    • Strategies to Control Credit Usage.

Section XI: Financial Apps & Pro Tips

  • Top Financial Apps:

    • Android & iOS Tools for Personal Finance Management.
  • 10 Pro Tips for Memorizing Key Financial Concepts.

IMPORTANT:

EXCEL Course Project:

Note: Ms-Excel (Microsoft Excel) 2007 or above is recommended (Windows / Mac) for the projects.

Please use the Mac Version for Mac PC/Laptop & Windows Version for Windows PC/Laptop(win7 and above recommended).

There are multiple class projects which are included in the exercise demo. Please download only one exercise at a time (this will help you to understand and practice one concept at a time).

Exercise - 1: Understand your Net Worth – Excel Exercise

Exercise - 2: Calculate & Plan Expenses – Excel Exercise

Exercise - 3: Design your own household budget – Excel Exercise

Exercise - 4: Cash Flow Planning –  Excel Exercise

Exercise - 5: Learn various rules of personal finance - try it out! (No exercise file - please refer demos)

Exercise - 6: Time Value / Specific goal planning  – Excel Exercise

Exercise - 7: Magical Rock Star Expense Planner (Power to you!)  – Excel Exercise

Disclaimer:The information provided in this course should not be used as financial advise or recommendation, neither it should be viewed as a financial promotional or affiliation tool or advertisement nor it supports or endorse any tools or company illustrated throughout the course, should not be substituted for consulting a financial advisor, planner or allied professional in the applicable jurisdictions. This course outline the broad road map to manage your personal finance. The author or Tutorialspoint disclaim the liability or any damage, risk, loss or obligations incurred directly or indirectly. The situation is dynamic and can change anytime due to various factors. The  author is directly or indirectly or otherwise is not under obligation, risk or liability due to use of information given in this course.

Goals

  • Learn Complete hands-on (practical) ways to deal with money using Excel.
  • Manage your money EASILY.
  • How to save money: Make sensible decisions on money.
  • Bullet-Proof Personal Finance Tips to Manage and Save More Money.
  • The time value of money - Why Time is MOST IMPORTANT.
  • How MONEY works for YOU.
  • Know your NET WORTH.
  • Will you be able to manage if you are out of job or business for 6 months?
  • Do you have enough insurance cover?
  • Risk-Reward Relationship.
  • Double, Triple, Quadruple your MONEY with the SIMPLE and EASY CALCULATION.
  • How to Identify & INVEST in the right Stocks: IMPORTANT RATIOS.
  • 12 Benefits of SIP (Systematic Investment Plan).
  • 12 Important Points to Remember while Investing into CRYPTOCURRENCY like Bitcoin.
  • 5 Ways to Invest in GOLD.
  • 10 Commandments On Investing.
  • 6 Credit Card Mistakes to AVOID.
  • DIY (Do-it-Yourself): Personal Financial Plan.
  • 7 Ways to repair your credit history.
  • How to obtain a Credit Report?
  • 6 Assets that Make People Rich.
  • Power of COST-AVERAGING and COMPOUNDING: Mutual Fund (SIP).
  • Psychology of Investing: BEHAVIORAL FINANCE.
  • Is it worth repaying the loan earlier than the loan tenure?
  • Understand and Manage your Personal Cash Flow.
  • Understand Monthly HOUSE HOLD Budget.
  • Plan Specific FINANCIAL GOAL.
  • Risk Profile and Investment Profiles.
  • 100+ Easy Ways To Save LOT More on SHOPPING, PERSONAL HYGIENE, MEDICINE, GROCERY, FOOD, GIFTS, TRIPS, UTILITIES and Much More.

Prerequisites

  • Note: Ms-Excel (Microsoft Excel) 2007 or above is recommended (Windows / Mac) for the projects.
  • Please use Mac Version for Mac PC/Laptop & Windows Version for Windows PC/Laptop(win7 and above recommended).
  • Excel Exercise works both on Mac and Windows PC/Laptop/Desktop.
  • There are multiple class projects which are included in the exercise demo. Please download only one exercise at a time (this will help you to understand and practice one concept at a time).
Master Personal Finance with Excel

Curriculum

Check out the detailed breakdown of what’s inside the course

Bird Eye View of the Course...

1 Lectures
  • play icon What is in for you? 01:15 01:15

Section 1: Smart Goals, Net Worth, House Hold Budget & Cash Flow Analysis

1 Lectures
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Section 2: Rules of Money

1 Lectures
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Section 3: How our Emotions Shape Investment Decisions?

1 Lectures
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Section 4: Risk Profiling & Asset Allocation

1 Lectures
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Section 5: Foundations of Investments & Investment Products

1 Lectures
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Section 6: Specific Goal Planning & Time Value

1 Lectures
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Section 7: Financial Planner & Robo advisory

1 Lectures
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Section 8: Credit Loan Facilities

1 Lectures
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Section 9: Learn to be a Rock Star Expense Planner

1 Lectures
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Section 10 Cash Course on Credit Rating, Credit Score & Credit Report

1 Lectures
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Section 11: Ten Pro Tips & Apps/Tools

1 Lectures
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Instructor Details

Prakash Prasad

Prakash Prasad

"Difficult things aren't easy, but they're worth it." 

I am passionate about training. My aspiration is to take away the blind of intricacy to make idea reasonable for you.

In the last 2 decades, I have trained hundreds of participants working in various sectors about Financial Markets and Products, Economics, Statistics, Design Thinking, Public Administration,Life Skills, Psychology, Banking Fundamentals, Advance Banking concepts, Foreign Exchange, International Banking, Risk Management, Compliance, Fraud Analysis, Cyber Security, Digital Forensics, FinTech, Innovative Technology(Blockchain, Cryptocurrency, AI, AR, VR, Robotics, IoT), Asset & Liability Management and Business Analytics.


My mission is to make the course accessible, affordable and easy. Most of my courses will teach you what you haven't learned in school, college or at your workplace.

I am there for you! Obviously, you are my Number 1 Priority. All of my courses are crafted to cater for a wide range of learners. If anything remains unclear or fuzzy to you, or you just need help understanding something in my course, just send me a text message or an email message and I'll be able to devote some time for you to make the topic easier that suits your style of learning.

This is to ensure you learn better and retain the knowledge. My courses will help you gain real world skills and knowledge and change your life today.


He teaches professional certification:

Certificate in Fintech Regulatory Compliance (CFRC)™

Certified Program in Anti Money laundering Professional (CPMP)™

Executive Program in Fintech Law ™

Certified Blockchain Security Analyst (CBSA)

Certified Social Media Intelligence Examiner (CSMIE)

Bitcoin and Cryptocurrency Forensic Investigation (OSINT)

Certified Patent Analyst (CPA+)

Certified Trademark Analyst (CTA)

Certified Copyright Analyst (CCA)

IS-011: Certified Private Investigator (Level 1)

IS-033: Document & Handwriting Forensics Investigation

IS-12: Certificate Course in DeFi (Decentralized Finance)

IS-044: Smart Contract Hacking & Security

Certified Blockchain Security Examiner (CBSE)

Crypto-asset Compliance Professional (CAMP)™


Thank you for your interest in my courses, and in me as an instructor. I look forward to seeing you in one of my lectures very soon.

Best Regards,

Prakash

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