Mobile: 0428 392 768
nicole@martinandfortuin.com

For Adults
Are you comfortable dealing with money? Would you like to see your goals and your dreams come true? I will teach you how to think and speak about money that will move you toward financial freedom. You deserve it!

For Children
By the age of 7 years, a child will have developed their adult money habits. Does your child value themselves and money? I will teach your child financial literacy skills that will help to make their dreams come true!

FOR KINDERGARTEN TO YEAR 8

Accounts, Savings & Budgets

Income, Career, Business & Entrepreneurship

Credit, Debt & Loans

Risk Management & Insurance

FOR YEARS 9, 10, 11 & 12
+ AGE 19 to ADULT

FINANCIAL PSYCHOLOGY
This topic incorporates lessons on behavioural finance, the influence of emotions on personal finances, peer influencers, advertising, personal money habits, financial decision-making processes, lifestyle choices and personal financial values.

BUDGETING
The budgeting section includes lessons on day-to-day expenses, budgeting for retirement, how to save, tracking and reducing expenses, non-asset purchases, needs versus wants, lifestyle choices that affect one’s budget and major non-asset expenses (i.e. buying a car, renting a living space).

ACCOUNT MANAGEMENT
The lessons in this section cover banking and account management, record-keeping, debit versus credit cards, savings and checking, bank account basics, comparing financial institutions and automating one’s finances.

JOBS & CAREER
The lessons in this section focus on topics associated with employment, including job skill preparation, resumes, how to get a job, interviewing, how to get a raise, career planning, aligning career opportunities with financial goals, understanding payslips, switching jobs, understanding the job market and alternative income opportunities.

CREDIT PROFILE
This section focuses on essential elements related to one’s credit profile. Lessons on building, maintaining and repairing one’s credit profile, credit history, the importance of good credit and how credit affects a person’s overall financial situation are included.

RISK MANAGEMENT & INSURANCE
This section covers how to identify and manage potential risk, investment risk, understanding contracts, types of fraud, fraud protection and other topics related to personal risk management that can affect one’s finances. The insurance portion covers all aspects of choosing an insurance provider, understanding various insurance options and choosing the right policies to protect one’s self.

INVESTMENTS & PERSONAL FINANCE PLANNING
The investing section covers how to use savings, investment philosophies, major asset purchases, net worth, types of investment options, interest rates, ROI, diversification, investing in skills development, long-term planning, choosing investment advisors and understanding the impact of inflation on one’s personal finances.

LOANS & DEBT
The loans and debt section covers the various types of debt, payback options, qualification, terms, predatory lending, loan types, debt planning and how taking on debt affects one’s financial situation.

ENTREPRENEURSHIP
The entrepreneurship sections covers the skills needed to become an entrepreneur, planning, whether starting a business is right for you, aligning entrepreneurial objectives with financial goals, business planning, evaluating opportunities and managing the risk of a business venture.

ECONOMIC & GOVERNMENT INFLUENCES
The lessons in this section focus on how the broader economy and government influence on one’s personal finances. The coursework covers taxes, policy changes, government organisations, inflation, monetary policy, consumer protection laws, how taxes are used, tax penalties, locating a tax professional, government organisations that influence people’s personal finances, consumer protection laws, impact of taxes on income, impact of taxes on investments, a general understanding of inflation and how government policies can affect one’s personal finances.