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FINANCIAL EDUCATION PROGRAM (FEP)National G2P Cash Transfer Program
Volume I-B: Learner’s Calculation Supplement
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Setting financial goals
2
The question of session 1 is :Session 1
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
3
Session 1
Learner’s Calculation Supplement
45
40
70
100
15
10
7050
4
Session 1
Learner’s Calculation Supplement
15 15
70 70
4025
5
Session 1
Learner’s Calculation Supplement
70
50
6
0
What are ourhousehold’s incomes?
The question in session 4 is :Session 4
6
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are ourhousehold’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are ourhousehold’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Learner’s Calculation Supplement7
2 + 98= 100 75
100
50
100
100
25 + 25 = 50 25 + 25 = 50
50 + 20 = 70
2+ 73 + 25 = 100
2+ 48 + 25 = 75
2+ 53 + 25 = 80
Learner’s Calculation Supplement8
100
50 50
50
10010050
75
50 50 + 10 = 60
50 + 10 = 60 50 + 10 = 60
Learner’s Calculation Supplement9
100 + 50 = 150 75 + 60 = 135 50 + 50 = 100
50 + 60 = 110 50 + 50 = 100 75 + 75 = 150
50 + 100 = 150 100 + 80 = 180 100 + 70 = 170
100 + 50 = 150
100 + 60 = 160
100 + 100 = 200
What are ourhousehold’s expenses?
The question in session 5 is :Session 5
10
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are ourhousehold’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are ourhousehold’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Learner’s Calculation Supplement11
50 30 20 20
35 35 50 90
50 20 20 70
Learner’s Calculation Supplement12
3045 3050
35 35 50 90
50 30 30 100
Learner’s Calculation Supplement13
10 10 10 10
15 15 15 20
25 10 10 40
Learner’s Calculation Supplement14
20 10 10 10
35
35 20 10
Learner’s Calculation Supplement15
50+50+10+20=130 30+45+10+10=95 20+30+10+10=70 20+30+10+10=70
35+35+15=85 35+35+15=85 50+50+15+35=150 90+90+20=200
50+50+25+35=160 70+100+40=21020+30+10+20=80 20+30+10+10=70
How to match expenses with
incomes?
The question of session 6 is :Session 6
16
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenseswith incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenseswith incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Step 1 : Incomes
May June July August
Session 6
17 Learner’s Calculation Supplement
110 100 150 160
Step 2 : Incomes and expenses
May June July August
Session 6
18 Learner’s Calculation Supplement
85 85 150 200
110 100 150 160
Step 3 : Preliminary result
1540
May June July August
Session 6
19 Learner’s Calculation Supplement
110 100 150 160
85 85 150 200
25 0
Solution 1 : Expenses to be eliminated or decreasedMay June July August
Session 6
20 Learner’s Calculation Supplement
110 150100 160
85 85 150200 – 40 = 160
25 15 0 0
Solution 2 : Transferring of incomes
May June July August
Session 6
21 Learner’s Calculation Supplement
110 100 150 160
110 100 150 160
85 85 150 200
25 15
40
0 0
Solution 3 : Increasing of incomesMay June July August
Session 6
22 Learner’s Calculation Supplement
110 100 150 160
40
85 85 150 200
25 15 0 0
Solution 4 : Combined solution (Solution 1,2 and 3)
May June July August
Session 6
23 Learner’s Calculation Supplement
110 100 150 160
110 100 150 16010 10
0
85 85 150 200-20=180
25 25+15=40-10=30 0
What needs to be donein case of an
unexpected event?
The question of session 7 is :Session 7
24
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be donein case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be donein case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Step 1: Budget as adjusted in the last session
May June July August
25 Learner’s Calculation Supplement
110 100 150 160
110 100 150 16010 10
0
85 85 150 200-20=180
25 25+15=40-10=30 0
Session 7
Step 1: Budget as adjusted in the last session
May June July August
26 Learner’s Calculation Supplement
110 100 150 180
110 100 150 180
85 85 150 180
25 25+15=40-10=30 0
Session 7
14
Solution 1 : Cut or decrease expensesMay June July August
Session 7
27 Learner’s Calculation Supplement
180-14=166
110 100 150 180
85 150
25 0 180 - (166+14)= 0
14
25+15=40-10=30
85
May June July August
Session 7
28 Learner’s Calculation Supplement
180
110 100 150 180
85 85 150
250 194 - (194)= 0
14
25+15=40-10=30
30 – 14 = 16
14
Solution 2 : Use one’s savings
How to save money?
29
The question of session 9 is :Session 9
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8:Why save money?
Session 9: How to save money? Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8:Why save money?
Session 9: How to save money? Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Advice 1: Put small amounts asideeach month from earned income
30
Session 9
Learner’s Calculation Supplement
January February March April
May June July August
September October November December
31
Session 9
Learner’s Calculation Supplement
150 135 100 150
110 100 150 160
150 180 170 200
3 3+2 = 5
1 3
1 1 3 3
3 4 4 5
3 2
5+1 = 6 6+3= 9
9+1= 10 10+1= 11 11+3= 14 14+3= 17
17+3= 20 20+4= 24 24+4= 28 28+5= 33
Advice 2: Transfer part of ourwindfalls in our savings
32
Session 9
Learner’s Calculation Supplement
January February March April
May June July August
September October November December
33
Session 9
Learner’s Calculation Supplement
1 1
1
1
1 1+1= 2
2+1= 3
3+1= 4
Advice 3: Reduce less necessaryexpenses to top up our savings
34
Session 9
Learner’s Calculation Supplement
January February March April
May June July August
September October November December
35
Session 9
Learner’s Calculation Supplement
2 1
2 2
2 2 2
2 2+1= 3
3+2= 5 5+2= 7
7+2 = 9 9+2= 11 11+2 = 13
Advice 4: Combined strategies (1, 2, 3)
36
- - - - - - - - - - - - - - - -
January February March April
- - - - - - - - - - - - - - - -
May June July August
September October November December
Session 9
Learner’s Calculation Supplement
3+1= 4 4+2+2= 8 8+1= 9 9+3+1+1= 14
14+1= 15 15+1+2= 18 18+1+3= 22 22+3+2= 27
27+3+2= 32 32+4+1= 37 37+4+2= 43 43+2+5= 50
Where to save money?
37
The question of session 10 is :Session 10
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
38
Session 10
Learner’s Calculation Supplement
✕ 6 years = 48
✕ 6 years = 60
2 2 2 2
2 2 2 2+ + +
+ + +
8
10
Why borrow money?
The question of session 13 is:Session 13
39
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Why not borrow?
Session 13
40 Learner’s Calculation Supplement
Session 13
41 Learner’s Calculation Supplement
40
25
Session 13
42 Learner’s Calculation Supplement
4025
15
Session 13
43 Learner’s Calculation Supplement
15 15 15 15 15
Why borrow?
Session 13
44 Learner’s Calculation Supplement
Session 13
45 Learner’s Calculation Supplement
2545
Session 13
46 Learner’s Calculation Supplement
45
20
25
Session 13
47 Learner’s Calculation Supplement
20
5
15 10 5 0
5 5 5
Understanding termsof borrowing
The question of session 14 is:Session 14
48
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding termsof borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5:What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding termsof borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
49
Session 14
Learner’s Calculation Supplement
6 6 6 6
24
7 7 7 7
28
+ + +
+ + +
20
20
50
Session 14
Learner’s Calculation Supplement
+ + +
+ + +
+ + + + +
5 5 5 5
3 3 3 3
3 3 3 3 3 3
20 3020
20
51
Session 14
Learner’s Calculation Supplement
5+5+5+5=20
5+5=10
20
10
5 5
5 5 5 5
+
+ + +
45
45
35
25
Comparing terms of loan
52
The question of session 15 is :Session 15
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
53
Session 15
Learner’s Calculation Supplement
30
36 20
6 6 6
6 6 6
5 5 5
5
+ + +
+ +
+ + +
1745 45
15 28
54
Session 15
Learner’s Calculation Supplement
27 20
5 5 5
5 5 5
6 6 6
630 24
+ + +
+ + +
+ + +
25187 0
4545
Negotiating with a lender
55
The question of session 16 is :Session 16
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating with confidence
Session 19: How to use mobile money
Learner’s Calculation Supplement
Advice 1: Select based on the interest rate and the amount to pay back at loan maturity.
56
Session 16
Learner’s Calculation Supplement
20
20
6 6 6 6
7 7 7 7
24
28
4
20
8
20
+ + +
+
+
+ + +
57
Advice 2: Select on the basis of loan maturity and the payback amount per period.
Session 16
Learner’s Calculation Supplement
7 7 7 7
4 4 4 4 4 4 4
28
28
++
+ + +
+ + + +
Communicating withconfidence
58
The question in session 18 is :Session 18
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating withconfidenceSession 19: How to use mobile money
Session 1 : Setting financial goals
Session 2 : Why is it necessary to make a budget?
Session 3: Can a budget be prepared without a methodology?
Session 4 : What are our household’s incomes?
Session 5: What are our household’s expenses?
Session 6: How to match expenses with incomes ?
Session 7: What needs to be done in case of an unexpected event?
Session 8: Why save money?
Session 9: How to save money?
Session 10: Where to save money?
Session 11: Saving for retirement
Session 12: When to use savings?
Session 13: Why borrow money?
Session 14: Understanding terms of borrowing
Session 15: Comparing terms of loan
Session 16: Negotiating with a lender
Session 17: Managing continuously repayment of debt and building trust
Session 18: Communicating withconfidenceSession 19: How to use mobile money
Learner’s Calculation Supplement
59
Session 18
Learner’s Calculation Supplement
5 0 0
60
Session 18
Learner’s Calculation Supplement
61
Session 18
Learner’s Calculation Supplement
5 5 550 0
Thank you!
szottel@worldbank.orgresponsiblefinance.worldbank.org
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