成果範例
Online course: budgeting basics for young adults
Course structure
| Module | Lessons | Learning goal |
|---|---|---|
| 1. Where your money goes | 1.1 Tracking for 30 days · 1.2 Fixed vs flexible costs | Know your real monthly spending |
| 2. Building a budget | 2.1 The 50/30/20 rule · 2.2 Your first budget in one hour | Have a working budget |
| 3. Safety net | 3.1 Emergency fund · 3.2 Dealing with debt | Plan a 3-month cushion |
| 4. Making it stick | 4.1 Standing transfers and savings pots · 4.2 Monthly money date | Keep the budget going |
Lesson 2.1 — The 50/30/20 rule (excerpt)
Goal: by the end of this lesson you can split your take-home pay into three parts and see which one is out of balance.
Imagine your take-home pay is $3,000 a month. The 50/30/20 rule says:
- 50% — needs ($1,500): rent, groceries, transport, minimum loan payments. Things you'd still pay for if you lost your job tomorrow.
- 30% — wants ($900): eating out, streaming, gym, trips. Life is meant to be enjoyed; this part makes the budget something you can actually live with.
- 20% — future you ($600): emergency fund, extra debt payments, saving for goals.
Here's the honest part: in many cities rent alone eats 40% of a first salary. That's fine. The rule is a compass, not a law. If needs take 60%, the question is simply: where do the extra 10% come from — wants, or future you, and for how long?
Example. Sam earns $2,800. Rent and bills: $1,550 (55%). Wants: $950 (34%). Savings: $300 (11%). Sam doesn't need to cut everything. Moving $150 from takeaway to savings brings him to 16% in one step.
Practice task
- Take last month's spending from Lesson 1.1
- Sort every line into Needs, Wants or Future
- Work out each share as a percentage of take-home pay
- Write one change that moves you 5% closer to 50/30/20
Quick check (with answers)
- Your phone bill is a… need (you need a working phone; the newest model is a want)
- Paying more than the minimum on a credit card counts as… future you
- True or false: if your needs exceed 50%, the budget has failed. False — adjust the other two parts
Client: a personal finance coach. Audience: people aged 20–30 with a first full-time job. Format: short video lessons with a text version and a worksheet.
客戶與所有細節皆為虛構。
關於此服務
我們撰寫一門日常理財技能的入門課程：記錄支出、編列預算、緊急預備金、利息與信用評分的運作方式、償還債務、為目標儲蓄，以及投資的基本原理。課程內容力求實用，附有練習表與以您指定的幣別和國家為準的範例，並避免提及特定銀行、產品或股票。每堂課都會提醒學員，這是一般性教育，並非財務建議。
包含內容
- 您會收到一份個人理財課程大綱，並依方案提供含練習表與測驗的課程文字，以文字及 .docx 或 PDF 檔案交付。內容為一般性教育，並非財務、稅務或投資建議。
- 預算與記帳學員能持續使用的簡單系統
- 債務與信用利息、評分與還款方法
- 儲蓄與目標緊急預備金與目標規劃
- 投資基礎風險、分散投資、費用
- 練習表可填入真實數字的練習
服務流程
- 1需求說明您說明對象與國家
- 2大綱我們規劃從預算到目標的單元
- 3課程我們撰寫課程與練習表
需要您提供的資料
課程對象（青少年、學生、年輕家庭、自由工作者）、國家與幣別、發布平台，以及您希望納入或排除的主題。
我們會詢問您：
- 學員是誰？
- 範例應使用哪個國家與幣別？
- 課程要涵蓋投資嗎？
- 課程將在哪裡發布？
比較方案
付款保障
下單時付款，但只有在驗收成果後，款項才會撥付。
- 固定價格付款後，方案價格不會變動。
- 款項先行保留付款時，金額只會先保留，在您驗收後才會撥付給服務。
- 交付前檢查每份成果在交到您手上之前都會經過品質檢查，您也可以在驗收前於訂單頁面查看成果。
- 免費修改在需求說明範圍內，可依方案允許的次數提出修改。
- 3 天後自動驗收若您在交付後 3 天內未驗收也未提出修改，成果將自動驗收。若您在交付後於訂單聊天室留言，訂單會暫停自動驗收；我們回覆後，可能會重新起算 3 天，並會在聊天室中告知。
- 重新製作或全額退款若成果不符合您的需求說明且修改後仍未改善，或製作時間超過交付期限的兩倍，請在訂單聊天室留言：我們將重新製作，或全額退還款項。
常見問題
這是財務建議嗎？
不是。課程說明的是一般概念，不推薦任何產品或投資，並會提醒學員就自身情況諮詢持有執照的顧問。
會包含稅務規定嗎？
僅以概略方式涵蓋，因為稅務規定經常變動且因國家而異。發布前請由當地會計師審閱任何稅務相關課程。
可以取得課程檔案嗎？
可以。除了訂單頁面上的文字，也可取得依文字製作的 .docx 或 PDF 檔案。檔案僅含文字，不含圖片。
沒有找到您要的答案？