Your roadmap · आपका रोडमैप
- 1
Admission & first meetingप्रवेश और पहली मुलाकातEnquire at your nearest NDSS centre, meet the teacher, fix the batch time and get your study material.
- 2
Sessions — part 1सत्र — भाग 1Short practical sessions with examples and activities.
Income and ExpensesNeeds and Wants
- 3
Sessions — part 2सत्र — भाग 2Short practical sessions with examples and activities.
Making a BudgetSaving Goals and Emergency Fund
- 4
Sessions — part 3सत्र — भाग 3Short practical sessions with examples and activities.
Loans and Debt TrapsPlanning Big Expenses
- 5
Practical testप्रायोगिक परीक्षाShow what you learnt in a short practical / oral test.
- 6
Online tests & resultऑनलाइन टेस्ट और रिज़ल्टTake the tests online; your marks and result show in your student login and at the centre.
Syllabus · पाठ्यक्रम
1 subject · 6 chapters · 25 topics
01Income and Expenses
4 topics+
- All sources of income
- Fixed and variable expenses
- Tracking daily spending
- Using a notebook or app
02Needs and Wants
4 topics+
- What is a need
- What is a want
- Impulse buying
- Comparing prices
03Making a Budget
4 topics+
- The 50-30-20 idea
- Pay yourself first
- Monthly budget sheet
- Reviewing the budget
04Saving Goals and Emergency Fund
4 topics+
- Short and long term goals
- Emergency fund of 3-6 months' expenses
- Where to keep savings
- Saving for children's education
05Loans and Debt Traps
5 topics+
- Good and bad debt
- EMI limit: share of income
- Credit card minimum due trap
- Moneylenders and fake loan apps
- Getting out of debt
06Planning Big Expenses
4 topics+
- Festivals and weddings
- Health insurance and medical costs
- Sinking fund for yearly bills
- Family money talk
About this course
You will be able to
- Write down monthly income and expenses
- Separate needs from wants and cut unnecessary spending
- Make a simple monthly budget using the 50-30-20 idea
- Build an emergency fund and set saving goals
- Keep EMIs and loans under control and avoid debt traps
- Plan for big expenses: school fees, festivals, weddings, health
Who it is for
- Homemakers and heads of families
- Young earners with their first salary
- Daily-wage and small business families
What you need
- Simple adding and subtracting. A notebook or phone for tracking expenses.
Online tests & result
Practice and unit tests online; marks and result show in your student login and at the centre.
Student login →
Questions
My income is small. Can I still budget?
Yes. A budget is even more useful with a small income because every rupee matters.
Do I need a computer?
No. A notebook is enough; we also show free phone apps for those who want them.
Will you tell me where to invest?
No. This course is about planning and saving habits, not investment advice.
