Aprann sou lajan nan pwòp vitès ou

Ki jan li fonksyone

1. Li yon ti leson Lang plenn, egzanp reyèl ak nouvo mo eksplike
2. Tcheke sa ou te aprann Reponn kèk kesyon epi wè poukisa chak repons se dwat.
3. Kontinye mache Swiv chemen an sijè pa sijè, oswa kòmanse ak sa ou bezwen jodi a.

Chemen aprantisaj ou

Nou sijere ale nan lòd, men ou ka kòmanse ak nenpòt sijè.

1. Sijè 1

   Lajan Fondasyon: Plan, Track, ak Save

   Bati yon plan depans ki mache pou kay reyèl nan zòn DC, ki gen ladan revni inegal ak lajan yo voye bay fanmi yo, epi kòmanse yon fon ijans soti nan zewo.

   Leson: 2 Sou 29 min

   1. Build a Spending Plan That Fits Your Real Life

      Sou 15 min Kesyon egzamen: 5

   2. Start an Emergency Fund from Zero

      Sou 14 min Kesyon egzamen: 6

2. Sijè 2

   Banking Basics: Accounts That Work for You

   How to open an account (even without an SSN), compare banks, credit unions, apps, and check cashers, and send money abroad safely and cheaply.

   Leson: 3 Sou 46 min

   1. Opening a Bank Account, Even Without an SSN

      Sou 15 min Kesyon egzamen: 5

   2. Banks, Credit Unions, Apps, and Check Cashers: What Is Protected and What It Costs

      Sou 15 min Kesyon egzamen: 5

   3. Voye Lajan Kay: Konpare Depans ak Konnen Dwa ou

      Sou 16 min Kesyon egzamen: 5

3. Sijè 3

   Chèk salè ak taks sou revni pèsonèl

   Konprann souch peman ou ak kenbe, okipe taks sou gig ak revni lajan kach, epi ranpli pou gratis pandan y ap reklame chak kredi ou te touche. Lajan Smart pa gen okenn modil taks, kidonk sijè sa a se sitou yon ekstansyon Dollar Scholars.

   Leson: 3 Sou 48 min

   1. Read Your Pay Stub and Fill Out Your W-4

      Sou 15 min Kesyon egzamen: 5

   2. Taks sou Gig, Lajan Kach ak Revni Travay Endepandan

      Sou 15 min Kesyon egzamen: 5

   3. Depoze gratis epi reklame kredi ou te resevwa yo

      Sou 18 min Kesyon egzamen: 6

4. Sijè 4

   Rapò sou kredi ak kredi nòt

   Li rapò sou kredi ou Et ranje erè, bati kredi nan anyen (ki gen ladan kòm yon newcomer oubyen titulaire ITIN), Et aprann sa vrèman deplase nòt ou.

   Leson: 3 Sou 51 min

   1. Read Your Credit Report and Fix Mistakes

      Sou 18 min Kesyon egzamen: 5

   2. Build Credit from Zero

      Sou 16 min Kesyon egzamen: 5

   3. What Moves Your Credit Score (and What Does Not)

      Sou 17 min Kesyon egzamen: 6

5. Sijè 5

   Prete avèk sajès epi evite prete predatè

   Wè pri reyèl la nan yon prè, rekonèt payday,, lwaye-a-posede, ak lòt pwodwi ki koute chè, jwenn opsyon ki pi an sekirite, epi pou yo jwenn yon kontra jis lè ou finanse yon machin.

   Leson: 2 Sou 36 min

   1. The Real Price of a Loan: High-Cost Traps and Safer Options

      Sou 18 min Kesyon egzamen: 6

   2. Buying a Car: Get a Fair Loan and Avoid Dealer Traps

      Sou 18 min Kesyon egzamen: 5

6. Sijè 6

   Kat kredi ak jere dèt

   Sèvi ak yon kat kredi san peye enterè, bati yon plan peye ki travay, epi fè fas ak pèseptè dèt, papye tribinal ak bòdwo medikal avèk konfyans.

   Leson: 3 Sou 49 min

   1. Use a Credit Card Without Paying Interest

      Sou 15 min Kesyon egzamen: 5

   2. Make a Plan to Pay Off Debt

      Sou 16 min Kesyon egzamen: 5

   3. Dealing with Debt Collectors and Collection Lawsuits

      Sou 18 min Kesyon egzamen: 5

7. Sijè 7

   Konsyantizasyon tronpe ak pwoteksyon idantite

   Rekonèt èskwokri jodi a, espesyalman sa yo ki vize a imigran, lokatè ak moun k ap chèche travay. Pwoteje idantite ou pou gratis, epi refè si yo vòlè li.

   Leson: 3 Sou 49 min

   1. Spot Today's Scams: Impostors, Texts, and Payment Apps

      Sou 15 min Kesyon egzamen: 5

   2. Eskwokri ki vize imigran, lokatè ak moun k ap chèche travay

      Sou 16 min Kesyon egzamen: 5

   3. Protect Your Identity and Recover If It's Stolen

      Sou 18 min Kesyon egzamen: 5

8. Sijè 8

   Chwa pou lwe ak lojman

   Lwe ak konfyans nan zòn nan DC, epi konpare pri reyèl pou lwe ak achte anvan ou kòmanse chemen an nan posede yon kay.

   Leson: 2 Sou 34 min

   1. Renting in the DC Area: Leases, Deposits, and Your Rights

      Sou 18 min Kesyon egzamen: 6

   2. Rent or Buy? Compare the Real Costs

      Sou 16 min Kesyon egzamen: 5

9. Sijè 9

   Achte yon kay ak jwenn yon ipotèk

   Prepare plis pase 12 mwa, sèvi ak lokal desann peman èd, konpare òf prè, fèmen san danje epi konnen ki kote pou yo vire si ou tonbe dèyè.

   Leson: 3 Sou 52 min

   1. Get Mortgage-Ready: A 12-Month Plan

      Sou 16 min Kesyon egzamen: 5

   2. Down Payment Help and Loan Types in DC, Maryland, and Virginia

      Sou 18 min Kesyon egzamen: 6

   3. From Loan Estimate to Closing Day (and Keeping Your Home)

      Sou 18 min Kesyon egzamen: 6

10. Sijè 10

    Prepare pou ak rekipere soti nan chòk finansye

    Kisa pou w fè nan premye 30 jou apre revni sispann epi yon plan ijans pou fanmi pou katastwòf ak maladi, ak chanjman toudenkou

    Leson: 2 Sou 30 min

    1. When Income Stops: Your First 30 Days

       Sou 15 min Kesyon egzamen: 6

    2. Your Family's Financial Emergency Plan

       Sou 15 min Kesyon egzamen: 6