Personal Finance Management is ByDesign™’s comprehensive personal finance program. Available in English and Spanish, it covers an array of financial literacy topics, including budgeting and cash flow management; credit, debt, and credit reports; saving, investing and retirement planning. The very affordable book and associated workshop will help you analyze your financial situation, and complete the steps necessary to improve your financial position. In this workshop, you will learn:

• How to prepare and follow a budget;
• How to read and understand your credit report;
• How to improve your credit score;
• Why saving for the future is critical to your financial success; and
• What different investment options are available.

The cost for the program is $20, unless you enroll in the Debt Management Plan, in which case, it's included in your "Financial Education Toolkit." This covers the cost of Personal Finance Management book and the associated workshops run by ByDesign™ in Los Angeles, Sacramento, Stockton and Fresno.

This course can also be purchased and downloaded online at:
bydesignsolutions.org/educational_products.html. The cost for the download version is only $8.99 and the certification program is free.

After purchasing the book and reading the material, you may use our Online Certification System to earn your Personal Finance Management Certificate at your own convenience.

Personal Finance Certification is offered after successful completion of the Personal Finance Management program. Besides gaining a well-rounded foundation in managing your finances, successful completion of this course enables you to submit verification of this certification or notification on your credit report. Some creditors may look favorably on this certification when considering your applications for credit.

If you are a DMP client, earning your certificate can help you to re-establish your credit while you are still on the program.

In addition, those who earn the Personal Finance Management certification have shown a 70% increase in personal finance knowledge.