Budgeting Basics for Teens & Young Adults
A Real-World Guide to Managing Your Money, Without the Stress
Budgeting can sound like one of those things adults talk about but never really explain … until it’s suddenly your responsibility. Whether you just got your first job, started college, or are trying to figure out how to make your money last beyond the weekend, this class is here to give you the tools and confidence to manage your money like a pro, even if you’re just getting started.
Budgeting Basics for Teens & Young Adults is a crash course in real-world money management. We keep things simple, practical, and judgment-free. You’ll learn how to track your money, understand your spending habits, and build smart routines that can help you make the most of what you have, whether it’s $50 or $500. No lectures, no complicated spreadsheets, and no guilt trips about your iced coffee.
This class is designed for high school students, college students, and anyone who’s new to handling their own finances. You don’t need any prior experience, and you won’t be expected to have it all figured out. The goal is to help you build a strong foundation, so that budgeting becomes something that gives you freedom and confidence, not stress or confusion.
We’ll start with the basics: what a budget actually is, how it works, and why it matters. Spoiler alert: it’s not about restriction. It’s about choice. A good budget doesn’t tell you what you can’t do. It helps you say yes to the things that matter most to you, while staying in control of your spending.
You’ll learn how to track what money is coming in, what’s going out, and where it’s really going. We’ll cover tools you can use, from simple notes apps to digital trackers and how to set up a method that fits your personality and lifestyle. We’ll also talk about common expenses you might not think to plan for, like gas, subscriptions, takeout, and gifts.
Next, we’ll walk through some common budgeting methods, including percentage-based budgeting and goal-driven savings. You’ll explore how to set aside money for short-term goals, like a new phone or concert tickets, as well as longer-term goals like a car, college, or your own apartment. You’ll learn how saving a little at a time really can add up and how to avoid spending every dollar the moment it hits your account.
This isn’t a one-size-fits-all approach. We’ll help you find a system that actually works for you. Whether you’re super organized or just trying to keep your debit card from hitting zero, we’ll show you ways to manage your money that don’t require perfection. You’ll also learn how to build habits that stick, the kind that make future financial decisions feel a whole lot easier.
In this class, you’ll learn:
• What a budget is and how to make one that works for your life
• How to track income and expenses in a way that makes sense for you
• How to set spending limits that still allow for fun and flexibility
• Ways to save for short-term and long-term goals, even on a small income
• How to handle irregular income, like tips or side gigs
• What to do when you overspend and how to get back on track without shame
We’ll also talk about real-life challenges that come with managing money for the first time. Like what happens when your account gets low, how to avoid accidental overdrafts, and how to think ahead without feeling overwhelmed. You’ll leave this class knowing how to make smarter money choices, avoid common mistakes, and feel more in control of your financial future.
By the end of the session, you’ll have a working budget, a better understanding of how to manage your money, and tools you can use every day to stay on track. More importantly, you’ll have the confidence to make money decisions without second-guessing yourself.
You’ll walk away with:
• A basic budget you can personalize and use right away
• Clear steps for tracking spending and staying organized
• A list of tools and apps that make budgeting easier
• Tips for building financial habits that support your goals
• A new sense of confidence and independence when it comes to money
This is the kind of class you’ll wish you had sooner, simple, useful, and actually fun. Join us and take the first step toward financial independence, one smart money move at a time.
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