Textbook: Text will be based on online essays and materials. You will need a spiral binder for record keeping purposes. No loose sheets of paper please, unless you are specifically instructed to remove sheets from the binder.

Your progress in this class depends on you. The purpose of Personal Finances 101 is to assist you in staying out of serious debt and living within your "means." We do that by trying to help you understand what you do and what businesses do that result in you being strained financially.