Text on a dark background reads "ModLedger Education, Class 10: Personal Finance for Adults" in green and white fonts.

Class 10: Personal Finance for Adults

Date: October 7, 2025 5:00 pm -
6:00 pm
Location: 277 South Main Street, West Bend

Let’s be honest, most of us never got a crash course in “how to manage money” when we became adults.

Personal Finance for Adults

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Somewhere between school and real life, we were expected to figure out how to budget, pay bills, manage debt, build credit, save for emergencies, and somehow plan for the future…all while trying to make our paychecks stretch far enough to cover groceries, gas, and a little fun. It’s a lot.

That’s why we created Personal Finance for Adults. It’s a class to help you get a handle on your money, whether you’re starting from square one or simply want to clean up your financial routine. This class is all about giving you the foundational knowledge every adult should have, without the judgment.

We’ll start with the basics: how to build a realistic budget that works for your lifestyle, not one that makes you feel deprived or stressed out. You’ll learn how to track your spending, spot money leaks, and finally feel like you have control over where your money is going.

Then we’ll dig into saving strategies, from building an emergency fund to setting short & long-term financial goals. Whether you’re saving for a vacation, a new apartment, or just trying to stop living paycheck to paycheck, we’ll show you simple ways to start.

Of course, many of us are also navigating debt, and this class doesn’t shy away from it. We’ll talk about the different types of debt (credit cards, student loans, car payments, and more), how to manage or reduce it and strategies for staying out of the debt cycle in the future.

You’ll also learn how credit works – what goes into a credit score, how to improve it, and how your credit affects major life steps like renting an apartment, getting a loan, or buying a car. Understanding credit is key to adulting well, and we’ll make it clear and simple.

Finally, we’ll talk about goal-setting in a way that feels encouraging and doable. Whether you want to build financial stability, reduce stress, or plan for bigger dreams like homeownership or self-employment, this class will give you a roadmap that fits you.

This isn’t a lecture or a sales pitch. It’s a judgment-free zone where you can learn, ask questions, and finally feel like you’re not alone in figuring out your finances. You don’t need a perfect bank account or a certain income level to benefit, just a willingness to take the next step.

By the end of this class, you’ll walk away with practical tools, a clearer understanding of your financial picture, and the confidence to make decisions that support your goals, not someone else’s expectations.

Personal Finance for Adults is perfect for anyone who’s ever said, “Why didn’t they teach us this in school?” Now’s your chance to learn it with support, clarity, and zero shame.

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