SFL 260 by https://padlet.com/jchand30/kaeqwzm5kl2m Share what you wish you had know when you were just starting this class. en-us 2017-07-26 15:05:02 UTC 2024-10-15 01:10:55 UTC hello@padlet.com Easy Extra Points https://padlet.com/jchand30/kaeqwzm5kl2m/wish/298767314 I wish I would have realized how easy it was to get extra points on the discussions by being creative and/or adding images or GIFs. I was always nervous about adding personality to my posts. This kept me from getting easy extra points when all I needed to do was add a GIF that I found funny and applied to our discussion. ]]> 2018-10-30 21:48:37 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/298767314 Covers Everything!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/301191822 I've loved being in this class and I knew that I would enjoy it, but I didn't realize before I started that Family Finance really covers everything you'll need to know, from the basics to the most complicated topics. Budgeting, cars, homes, investments, retirement, etc. I think everybody should be required to take this class to graduate, and I'm so glad I did in my last semester at school.]]> 2018-11-06 19:34:28 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/301191822 What I wish I had known before starting this https://padlet.com/jchand30/kaeqwzm5kl2m/wish/301694423 I wish I had known more about investing! I haven't ever invested before and from what I have learned from this class I feel like I have been missing out on a lot of savings!
As far as how I could have done better in this class goes, I wish I would have known how similar the final presentation is to the apply assignments you do along the way! They did mention it, but it was something I saved until the end and it ended up being more work that way. It is definitely worth it to start working on your final slides early, as you are doing your weekly assignments so you don't have a bunch of work to do at the end!]]> 2018-11-07 18:16:38 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/301694423 SFL 260 Feedback- Brandon Sperle https://padlet.com/jchand30/kaeqwzm5kl2m/wish/303081506 After taking SFL 260, I now feel that I better understand the costs associated with life and how to manage them. For example, at the start of this class, I had not created many budgets. After taking this class, I am able to create an effective budget to manage my monthly expenditures. ]]> 2018-11-12 01:37:46 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/303081506 Math IS Important FOR Life https://padlet.com/jchand30/kaeqwzm5kl2m/wish/307078454 When I was just starting this class, I felt overwhelmed by all the math. However, throughout the course, I have realized how life changing basic formulas can be and how we have so many tools accessible to us that can aid us to be financially successful. Dare to do math and invest a good amount of time understanding it. This will effectively assist you with making life changing decisions in the smartest way possible. I believe that Heavenly Father has given us the gift of discerning and all the tools needed to choose the right. For all of those ambiguous moments in life, it is essential that we do all we can in our power and ultimately rely on Him for guidance. ]]> 2018-11-22 17:12:14 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/307078454 DO THE EXAMPLE AND PRACTICE QUESTIONS! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/308089522 The readings are super fun and I really enjoyed them. But what helped me the most throughout the entire course was taking the extra time to really go through and do ALL of the practice questions in the workbook and double checking my answers and redoing problems if I got them wrong. JUST DO IT, it is 100% worth your time and will definitely help you with the tests and everything else! Such an awesome class!!]]> 2018-11-27 01:43:44 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/308089522 What even is money https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310010409 If you feel the way I do about money, it is always a stress. Honestly, this class helped me understand some of the most important aspects of life that I was never taught outside of my own home. I believe that this course has taught me how to be a stewards over my finances where before I felt like I was drowning in them. It's 100% worth the effort and the book is A MUST. I plan on keeping it just to have! ]]> 2018-11-30 23:32:07 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310010409 Extra, Extra, Read all about it! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310121788 EXTRA POINTS are not a joke—they really can be achieved each week if you put in the effort. Be real with your comments and add personality to them. Go above and beyond by commenting on more than the assigned 2 other classmate’s post. You can get up to 3 extra points that way by commenting just 3 more posts. Else, be so helpful in what you say and find an appropriate meme or gif :) Sometimes you can even get the comment of the week and get extra points that way. Just try and do your best and you’ll do well in this class (even if you don’t ace the taxes assignment—it won’t bomb your grade, I promise)! ALSO! My best friend for this course was the calendar. I used the calendar to make sure I was getting assignments done and knew what needed to be done each week and it was satisfying to see when assignments, quizzes, and tests were crossed off. It kept me on target with accomplishing ALL the things each week! :) ]]> 2018-12-02 03:43:31 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310121788 Why didn't I learn all this before? https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310569111 The entire time I was in this class I was wondering WHY on earth this isn't taught in high school or why it isn't a required class!! I'm so so glad I took this class seriously. My biggest tip is to be consistent with the readings and workbook. The workbook was an enormous help to me. I have never been very good at math, but the concepts and formulas taught in this class really are not difficult if you follow the workbook. Just do your best and take advantage of all of the extra points that you can get by retaking the quizzes or getting comment of the week, and you will be fine. This course is really set up for you to succeed! Take it seriously and it will be a HUGE blessing in your life - because these are concepts that you will actually use in your life daily. ]]> 2018-12-03 18:24:42 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310569111 The More You Know! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310663224 Taking SLF 260 my eyes have really been opened to money and the types of things adults (which should be me) need to know about in order to be successful. One of the most eye opening experiences was tracking my budget. For this assignment we had to make a budget and then for the next two months track what we were spending. It was incredibly eye opening because when I set my budget, I assumed I would have a lot left over in my surplus. To my surprise, this was not the case but I actually only had a little left over. This made me even more aware the next month I was tracking, to watch the little things I bought. The small cheap things add up after a while and they are sneaky because they seem so cheap. These things were what really got me. But because of this assignment I was able to watch those purchases and become even more aware of where my money was going. It helped me to save more money the next month. This class is really hands on and helpful because it applies to our lives and can improve them. LET THIS CLASS IMPROVE YOUR LIFE! ]]> 2018-12-03 21:25:47 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310663224 Read, Read, Read! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310677488 This is one of the few textbooks that I have acquired in college that I want to keep. I actually learned so much from the book. Combining this with the workbook problems and the online content, I learned so much about the little finance details that we all need. While you can still do well on the quizzes without reading it entirely, I highly recommend reading and working through the workbook. You'll feel so much better about doing your finances for real someday! It makes the math so much easier.]]> 2018-12-03 22:14:50 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310677488 Tips For Success! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310701354 This class is awesome (honestly i'm not just saying that. I came into this class worried because MATH and also FINANCE, but I was pleasantly surprised, and you can be too! This class is actually super doable if you follow directions and ask questions when you are confused. My main tips would be...
1. Utilize your TA whenever you have questions or are confused about anything. 
2. Watch the reviews and study the whole study guide. Honestly all the math questions are basically the same as the questions on the study guide.
3. Don't just study the study guide. There are always questions on the tests that are not on the study guides. For that reason it is important to do all the readings and to watch all of the videos (also they are just super helpful and interesting). 
4. Watch for extra credit opportunities (there are lots), and don't forget to post your first comment in the discussion group before each Wednesday. 
5. My last tip (i know- finally) is to just enjoy this class and take in all that you can from it. You know how in college there are some classes that you take just to get the grade, and others that you will actually remember and use in your life? This class is one that will help you in the future if you actually take the time to learn the material and to internalize it. DO IT. That is all. Good luck!

]]> 2018-12-04 00:21:18 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/310701354 The Small Things https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311051055 This is just a small thing, but make sure to save links to the houses you choose for the project! I remember I needed some information on the houses for an assignment later on and spent almost an hour trying to find the listings for the houses. Another thing that I highly recommend: take time to learn how to use the financial calculator. For the first few quizzes, I thought that the calculator would be too hard to figure out and I tried to find roundabout ways of getting the answers. Once I took time to learn how to use the financial calculator, I realized how much easier it made my life. If you're struggling with it, watch videos on YouTube or go talk to the TA's. The calculators seem far more intimidating than they actually are. Finally, really take in what you are learning. A lot of college classes have taught me to learn just enough to get through the semester and then forget the information. Everything learned in this class is meant to help you in your future decisions and if you really pay attention, you will be able to save money and invest wisely. ]]> 2018-12-04 18:11:47 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311051055 Most Applicable Class at BYU https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311214112 Of the 130+ credits I have taken at BYU, this class is easily the most applicable class I have ever taken. None of the class is theory or hypothetical, it is real-life, that has been proven. It isn't a class where you will never encounter it again, but rather, you will see this course material every day of your life! Take advantage of it, learn everything you can, or you will wish you had!]]> 2018-12-05 03:21:35 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311214112 Budgets are the death of me....but also KEEP ME ALIVE https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311317126 Budgeting in this class really put in my perspective on how much I spend. It was a shocker. I start a full time job soon so being able to budget for a 401(k), IRA, food, cars, etc. I'm now able to not just ballpark my expenses or just guess but now I have a pretty decent sense of what goes into a budget so I'm not surprised when certain (health insurance, car payments) pop up without a warning. 
One other part I truly loved and that was my favorite part (that is related to budgeting) is taxes. UGH  most would say but I think my favorite couple of pages were the tax strategies. Super cool and I can't wait to start trying them out. So future students: be sure to read that section carefully! I feel that if we each learn a general idea on how taxes are paid, we can save way more and be able to become greater financial stewards. ]]> 2018-12-05 12:39:16 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311317126 Most important preparation https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311482594 This class saved me years of financial mistakes that I would ultimately have felt the effects of throughout my whole life! I'm in my last semester and started my career a month ago. Up to this point, I've never created a budget because I've always made enough on my own, but I also haven't been saving.  This class taught me how expensive life can really be and how to make it manageable with a budget and by saving.  I now have a plan to be financially stable now and in the future as I start saving for retirement right now! If I hadn't learned this stuff, I would probably have put off saving for retirement for years and that would have seriously hurt my future retirement savings.
My advice to future students: Actually do the assignments! When creating the budget particularly, it can be easy to not take it seriously, but don't fall into that trap.  These assignments are about so much more than just a grade, they teach you lessons you'll use for your whole life.]]> 2018-12-05 17:27:02 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311482594 Be a wise steward. https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311534173 There are so many things I wish I would have known before taking this class like tracking your budget, how to save, how much SHOULD be saved.. and so forth. This class teaches you many essential tools to be able to be a wise steward with your money.  Make sure to pay attention and to try to apply the assignments to your actual life. This helps you to be more involved and learn more on how to better improve your finances!!! Good luck!!]]> 2018-12-05 18:53:11 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311534173 BE AFRAID OF MATH NO MORE https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311878447 I was simultaneously excited and terrified for this class, as I truly dislike math and find the overall concept of accounting dull (though important). This class absolutely changed that, well, I will still hate math, but this class teaches you exactly what to do and how every lesson applies to you! This is one of the most valuable classes on campus, I promise! My husband and I are expecting our first child, and I wish I had known all this stuff so much sooner. If you come into this class ready to learn and even more ready to use it to make a life plan, you will walk away completely changed and I've no doubt this class will help me save so much money]]> 2018-12-06 16:07:20 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311878447 You'll Actually Use This Stuff https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311957244 Unlike a lot of the classes I've taken throughout my undergraduate career, I am sure I'll actually use many of the things I learned in this class. I have gone into many tests of other classes where I memorize the content and brain dump it and walk out of the testing center with no need to remember anything. But I'm pretty sure in the relatively near future I'll be seeking a mortgage to buy a home, will need to buy a new used car for a growing family, and will need to know what to do to invest my money! That is one of my favorite aspects of this class. I feel like I understand how to do things that I was just never taught before!-- pretty important things. Then you won't be confused when you actually need to do certain things with finances! -- Like Jackie Chan]]> 2018-12-06 18:17:31 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311957244 A Class You'll Use for the Rest of Your Life! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311988879 Ok, so one of the biggest things I see high school/college students complain about on social media is that there aren’t any classes that teach you “real life” skills like budgeting and how to buy a house. And I get so annoyed because THESE CLASSES EXIST!! You just need to get up off the couch and look for it! This class is an excellent example of a class that teaches you how to adult.

· You learn amazing budgeting, taxes, insurance, and home/car buying skills and more!
· The discussion boards are so helpful. It’s large groups of students helping students with examples, experiences, and advice. Plus the TAs are AWESOME and genuinely want to help.
· Make use of your textbook and workbook. They’re like the Holy Grail to the class.
· It’s useful information you’ll use every. Single. Day. After you finish the class. Of all the BYU classes you’ll take, this one best prepares you for the real life world.
· Take all of the information and advice you learn in this class, or you could end up like the metaphorical Anakin in the meme below.
]]> 2018-12-06 19:09:49 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/311988879 Just do it https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312075672 Seriously I learned so much in this class and it is very valuable information. But if you rush through it just to get it done it won't be as interesting or beneficial to you. Also the financial calculator online is the biggest help in the class in my opinion it's free and you can use it whenever you want to figure something out on your own later. The rubrics that are posted really do have everything you need to do for the assignments so follow those to a T. If you have any questions talk to your TA because they are super helpful.

]]> 2018-12-06 23:40:54 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312075672 Real life learning!!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312088249 This class has been by far the most beneficial for me in the real world! I chose to take this class because I heard from others how great it was for college students/married couples. I learned how to do taxes, create a budget, invest, and so much more! Most classes I have taken at BYU I forget after about two weeks (@Humanities) but these topics are practical things that I WILL be using in the future. I feel much better prepared to financial support myself and my family because of SFL 260. Make sure you take the time and reflect what you're learning in your own life because it really will make your life easier and help you better prepare for the future!!]]> 2018-12-07 01:15:09 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312088249 Best Class Ever https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312552901 Wow! I cannot say enough good about this class. Professor chandler is an amazing teacher. She is passionate about the topic and helped me share in her excitement. The textbook was my fun read for the semester. I love the way it is written and layed out. I knew nothing before I took this class. I thought I did...but I knew nothing. I realize that there is still much to learn however I feel more confident in confronting financial decisions in my life.]]> 2018-12-08 20:15:24 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312552901 Best Class! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312570274 This is one of the best and most applicable classes I have taken at BYU. I will use pretty much everything I learned in this class in real life and will keep this text book to refer back to often. Before taking this class, managing money felt pretty intimidating to me and I did not understand a lot of things regarding finances and managing money. But now, after taking this class, I feel a lot more prepared to manage my money and this class broke complicated concepts down in a way that I could actually understand. You should definitely take this class to learn how to become a wise financial steward!]]> 2018-12-08 23:59:57 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/312570274 This Should Be a Required Class https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313032514 I've been trying through my own research to understand my personal finances and be well prepared for investing, retirement, and the whole deal, but nothing has been more helpful in my years of research than this class, especially because of the the GOSPEL centered focus. I'm no longer nervous about my financial future - I am confident that as I can make a plan and stick to it, I can make informed financial decisions throughout my entire life. I wish everyone could take this class and leave behind their anxieties for their financial futures.  ]]> 2018-12-10 16:56:01 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313032514 Most Useful Class at BYU https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313042160 This class taught me so much about being an adult.  I feel much better prepared to face life now that I have taken family finance.  The workload is totally doable as long as you stay on track.  Online classes are always tricky when it comes to finding time and motivation, but this one is fun!  Stay ahead and you will do great!  The TAs are responsive and there are so many opportunities for extra credit! ]]> 2018-12-10 17:11:46 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313042160 Amazing Class!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313113064 This is definitely one of, if not THE best, classes I have taken here at BYU! It is so helpful to learn about finances especially from a gospel perspective. The textbook is easy to read, the assignments are straightforward, and tests are fair. Overall, this class helps you grow in your financial stewardship and actually learn- you are not just cramming to take tests and worrying about grades. This class will bless your life! Take it, appreciate it, put in time, and you will come out all the better!]]> 2018-12-10 19:02:44 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313113064 You'll Want to Remember What you Learn! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313153344 I actually really enjoyed the math portion of this class. Don't let that part intimidate you. What I wish I had known is just that I would want to go back and study this material later on for real life situations and not just for tests. I would recommend bookmarking the parts in your book that you know will be applicable to you someday - like how to make a good car-buying decision - and maybe keeping a running document of the especially applicable things you learn throughout the class.]]> 2018-12-10 20:11:27 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313153344 TAKE THIS CLASS https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313165980 Oftentimes I feel that I cannot apply the information I learn from other classes, but the principles and techniques I have learned from this class are used on a DAILY BASIS! I used to think I was a wise financial steward, but I have learned so much in how to apply myself within my finances. I know how to calculate taxes, how to wisely invest in a car, how to buy a home, what to look for in a loan, how to budget effectively and how to keep track of my finances!! I feel that I can now be a responsible adult. ]]> 2018-12-10 20:38:58 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313165980 Most Practical Class I've Ever Taken https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313178312 Before I took this class about two years ago, I was considering becoming a business or finance major JUST so I could learn finance and what would be important for my family. Then I heard about this class and decided to take it before drastically changing my major/minor. This was an answer to prayer because I learned so much about how to budget, invest, buy a home, etc. etc. If you are looking to become more knowledgable financially all around, this class is for you!! One thing I wish I would have known before taking this is how much math is involved! Isn't too difficult, but give yourself time to do the practice problems in the workbook and you'll thank yourself.]]> 2018-12-10 21:14:42 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313178312 You'll Get Your Money's Worth - And Then Some. https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313184354 I minored in family life for classes like this family finance class, to get a head start on the things that life throws at everyone. This class was one of the most useful classes for me and it will be useful for YOU because...

YOU make money
YOU will need insurance
YOU will have expenditures
YOU will have to do taxes
YOU will retire one day
YOU should invest

The class covers all of these things... and more. I took this class after being married for a year and now my wife & I budget religiously, invest money are are already saving money for future things.

]]> 2018-12-10 21:34:24 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313184354 Make it a GE! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313184706 This class was so helpful. I have kept a budget for the last 3 years and have actively studied personal finance to educate myself. This class, though, was by far the most effective use of time when it comes to learning family finance. You get a very comprehensive grasp on finance concepts in a condensed and simplified way. I think the biggest mistake you could make would be to leave BYU without taking this class!]]> 2018-12-10 21:35:43 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313184706 SHARE THE GOODNESS! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313192992 I LOVED this class and found all the information directly applicable.  However, like most classes, if you just do the reading and homework to get a grade, you will most likely forget the information when the class is over.  I found that if I shared what I had learned with my husband or parents or siblings I was much more likely to remember it...So I would say repeat the really cool information you learn so that you don't forget it!  It is especially helpful to repeat it so people who will remind you about it in the future (like a spouse or parent!).  ]]> 2018-12-10 22:07:58 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313192992 Class Highlights https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313208523 This class taught me about things that I had never even thought of or given very little thought to. Some of these things included differences between tradition IRA/401K vs roth IRA/401Ks, investing and all the extra costs of buying a house (PMI to be specific). Before taking this class hearing these terms would have been like hearing a foreign language, however now I feel confident in my ability to talk about these things with other people. This class helped me recognized things I needed to start doing to get a better footing for my future. ]]> 2018-12-10 23:27:56 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313208523 Real life learning https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313214250 I learned a lot in this class about the real life things that nobody teaches you! Before this class, things like credit, investing, taxes, and mortgages scared me to death. While they are still intimidating, I feel like I understand them better now and will be able to make smart decisions in the future. Being a wise financial steward is a responsibility we each have, and this class gives you the skills become that. ]]> 2018-12-11 00:11:11 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313214250 Amazing Online Class https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313238343 I am a business major, so I thought I knew everything and that this would be an easy A. It was still a somewhat easy A, but I learned so much!!! And I didn't feel disadvantaged by taking the online class--it actually just made it much more manageable and I still felt super supported by the TAs!]]> 2018-12-11 02:40:53 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313238343 Wish this was part of our general education https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313254167 This class is the adulting class that everyone is looking for. It has taxes, buying a house 101, insurance, investing - all of that stuff that might have been boring at one point but you reaallly wish you knew about now. I loved gradually being taken through different elements of buying a house and putting it all together at the end. It's definitely worth tacking on to your course load (especially since everything here will be tacked on to every moment of your life later on). Have fun!]]> 2018-12-11 04:32:47 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313254167 Most Applicable to Real Life Class You Can Take at BYU!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313255982 I have absolutely loved this class. I learned so much that I have already been able to apply to my life about budgeting, home buying, taxes and so many other fields of finance. My best advice for the class is to take it seriously and apply yourself to every situation you can. I learned so much because I tried to make it applicable to me and my family and what I can do to improve my financial and spiritual well-being. You will love the class!]]> 2018-12-11 04:46:12 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313255982 BEST. CLASS. EVER. https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313258484 I cannot count the number of times I have shared the things I have learned in this class with other people. YOU LEARN SO MUCH in this class and every single thing is 100% applicable to life. I seriously don't understand why it isn't a general. Take this class seriously and you will get so much out of it! Stay up on the deadlines, work on your final presentation throughout the semester (it will save you loads of time at the end), read the textbook (it is so interesting and so helpful), do the problems in the workbook (it isn't busy work), and take notes throughout the semester in a place that you can save forever (trust me, you are going to want them)! Don't be scared off by the math. Just follow the workbook step by step and you'll do great! 
(My favorite movie: Confessions of a Shopaholic. "Now walk away. Strong and frugal")]]> 2018-12-11 05:07:10 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313258484 Most beneficial class you will ever take https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313260316 There are some classes you are required to take at BYU that are difficult to apply to the real world. This is not one of those classes. Every week with every lesson you learn real life applications. Some things are more difficult than others, but that's true in life as well. As long as you do the work you'll come out on top! ]]> 2018-12-11 05:23:33 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313260316 A great class everyone needs. This class should be required to graduate. These basic principles and teachings are a must to be successful in your individual and or family finances. Coming to terms with your financial health, will only help you be a better steward over what the Lord has blessed you with. https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313555908

]]> 2018-12-11 18:41:41 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313555908 Sweet! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313562822 A great class everyone needs. This class should be required to graduate. These basic Principles and teachings are a must to be successful in your individual life and or family finances. Coming to terms with your financial health will only help you be a better steward over what the Lord has blessed you with. I definitely will use and keep in mind what has been taught. Hopefully passing what I have learned to my kids and wife. ]]> 2018-12-11 18:52:53 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313562822 You will use all of this!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313624605 Okay, I learned SO much about finances in this class. I took it because I needed a few extra credits, and I thought it would be a useful and interesting class. I was right!! This class is applicable to your personal life and so the more you connect it to yourself, the more you will get out of the class. TRUST me. I heard other people saying that, but it took me about a month to realize. ALSO take advantage of the extra credit opportunities, even if it's just adding a gif or meme to your weekly posts! I loved learning about budgeting because I did not realize how much I was overspending until I was forced to budget for this class. ]]> 2018-12-11 20:45:28 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313624605 Straightforward https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313652626 This class is what you expect it to be, you will learn the basic skills and knowledge to help you to be successful with finances. To provide for your family, all in the eternal perspective. A person like me had no idea what I was doing with my money. Don't complicate yourself in this class, it is very simple although i wish i paid little more attention to the math portion of the class. 

]]> 2018-12-11 22:22:01 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313652626 Life-Changing! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313652996 Taking this class not only helped me better understand the basics on living in the United States, but it also helped me grow as an individual. I am now able to better understand my capabilities when it comes to managing my finances, something which I have always struggled with. I never knew I had it in me to properly budget my money and even plan for the future! The class system was perfect–I finished majority of the class online but I felt so connected to my professor and classmates. Everyone was so helpful and it was nice to see us helping each other out in bettering our money-management skills. Professor Chandler gives you so much opportunity not just for grades, but because she wants to push you to learn so that you can prepare for your future! Everything about this class is ace!]]> 2018-12-11 22:24:02 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313652996 Wish I had this class earlier... so helpful! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313666828 One of the most useful classes I've ever taken! It was so eye opening to what goes into buying a house and I feel very prepared for when that time comes! I feel like more of an adult knowing how to budget and the blessing of spending your money wisely. I typically don't enjoy online classes but this one kept me interested and wasn't hard to follow. I really enjoyed learning about finances with the gospel at the center. I think everyone should take this class so they know how to use their money to the fullest. Not throw it away (;]]> 2018-12-11 23:54:55 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313666828 A MUST-DO COURSE! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313697943 This class was heaven sent! BYU (and every University) needs to make this course part of general education. I honestly don't know how people will make it in the world without it. I thought I had a pretty good understanding of finances before, but I was so wrong. So naive. I now have so much confidence about my future financial decisions like my daily budget, buying a car, a house, my retirement plan. The course itself was fairly easy to follow. The math section can sneak up on you, but if you stay on top of doing the practice problems you'll be just fine. My suggestion for the final project is to make it as close to your real life situation as possible. I now have an in depth 5-10 life/financial plan! How cool is that!?]]> 2018-12-12 03:31:20 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313697943 MOST HELPFUL CLASS EVER! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313712182 SFL 260 is THE most helpful class I have taken at BYU. I learned so much about how to "live joyfully within your means." I now have the resources to make wise choices financially that will benefit my family. The three most useful things I learned about in this class were budgeting, filing taxes, and investing. I knew general things about these topics before taking the class, but learned so much more through assignments I can apply to my own life.  I completely recommend this class because you will learn so many life lessons.  Information is presented simply, but in great detail.  The assignments are helpful to future situations.  ]]> 2018-12-12 05:24:51 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313712182 Be Honest and Try New Things https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313712570 This class requires a lot of discussion, which is so helpful, but can also be hard. Money can be a really difficult thing to talk. It can be uncomfortable to reflect on your experiences. It can be easy to make comparisons to other peoples financial status. If it feels hard, thats okay. Your feelings are valid and money can be scary. But know that everything about this class is designed to empower you. Take the advice to heart and take control of your financial situation. If you already have more debt than you would like don't beat yourself up, just make a plan on how you're going to pay it off. If you didn't grow up in a home with parents who made wise financial decisions now is a great time to make sure your kids have a different experience. You've got this. Don't be afraid to share your experience, learn from others and try new things. ]]> 2018-12-12 05:28:56 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313712570 https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313715988 I took this class because my brother told me it would give me some valuable information. That was an understatement. The class is not particularly difficult, but you will get out of it what you put in. If you really try to understand the concepts being taught, you'll be so much better prepared for life. The textbook is really well written, and none of the assignments are particularly difficult. The great thing is that many of the assignments can directly apply to your life now if you just change the numbers. Stay on top of the assignments and work on the semester project step by step and this class will be pretty easy, but really rewarding.  ]]> 2018-12-12 06:07:17 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313715988 The most beneficial class you can take while at BYU https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313730276 This class prepares you for LIFE. It walks through almost every major financial decision you will make in our lifetime and provides steps and guidelines for each. I loved how simple the class setup was and the easy to follow instructions/examples for the math portion of the class. In one semester I have learned how to create and stick to a budget, obtain a credit card and report, do my taxes by hand and so much more. I have also learned how to save myself a lot of money and be financially savvy now and when I have a family. This class teaches you many ways to prepare for the future by saving and investing money now while being a broke college student. I don't regret taking this class, but you will if you don't! Family Finance will benefit you in so many aspects of your life, including spiritually!  It was SO GOOD!!!]]> 2018-12-12 07:41:27 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313730276 This Class is Worth It! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313904805 This is my last semester here at BYU. When I was registering, I had 15 credits already filled just to graduate. I had to decide if I wanted to do a full 18 credits in order to take this class or take some fun and easy sports classes. I took this class, and I am so glad I did! I agree that this class should be required. The book is so easy to read and everything feels valuable. Never did I feel like it was a waste of my time! take the class, it's worth the extra time, it will change your life!

]]> 2018-12-12 16:06:59 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313904805 https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313923411 This class is extremely practical, not something you can always say about college courses, I feel like I will take what I learned in this class with me FOREVER]]> 2018-12-12 16:38:41 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/313923411 Take this class! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314001476 Are you someone who knows very little about adulting in regards to buying a house, budgeting, investing and just finances in general?? Well then this is the class for you! This is one of the most applicable classes that you will take on campus. Before this class, I thought I knew how to manage my money, however, this class has shown me how to be smart with my money. As long as you stay on top of the work, there is nothing to stress about! Just do it! ]]> 2018-12-12 19:02:27 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314001476 Don't take these lessons for granted!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314015612 This class was so helpful for everything from taxes to how to save for a home and emergency fund. I love listening to Dave Ramsey and have tried to do what he says and this class follows so many of the same principles of wealth building. To the future students: don't forget the assignments on Saturdays. Either do them ahead of time or just don't get too wrapped up in other things that you just forget them altogether. The budget has to be one of the most invaluable tools this course teaches about for most college-age kids and you should take advantage of that portion of the course. My wife and I totally changed some of our spending habits just because of that one thing. If you know how to be smart with your money, you can be unstoppable. If you don't know where your money is going, that's where you start running into problems. Let this course teach you a thing or two and you shouldn't run into money problems. Otherwise Dave will have a thing or two to say to you.]]> 2018-12-12 19:28:25 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314015612 https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314046376 Worth All the Work! 

Okay truthfully it doesn't take too much work to do well in this class. However, all the work that you do put in, isn't just going towards getting a good grade. Your actually doing assignments that ]]> 2018-12-12 20:38:26 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314046376 Eye opening https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314062629 They should make this a GE requirement-- it's that useful and applicable for everybody. Tips for the class-- when they recommend doing your home buying case study slides as you go, DO IT. It really will make your life easier when the deadline comes around. I also really appreciated that the quizzes were open book,  made them less stressful but still offered a great learning opportunity. Do well on the quizzes and you'll likely do similarly well on the tests. Overall it was a very well put together, fair, and helpful class and I'm super glad I took it. (Don't be like Ron!)

]]> 2018-12-12 21:32:29 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314062629 Very Comprehensive https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314087641 I went from someone who knew nothing about finances to someone who knows how to traverse everything to do with it! My advice to future students would be to do the practice problems to make sure you understand the material. Also, the online lectures are extremely helpful, and are taught very clearly. This is a great class that has definitely prepared me for the future.]]> 2018-12-12 23:49:28 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314087641 REALLY WORK TO UNDERSTAND THE MATERIAL https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314089562 This is a class that is not something to just "brush off" once you're done taking this class. This is a class that is very applicable to every day life and has information that can help improve and change your life throughout school and the rest of your life. This knowledge has allowed for me to have better financial stewardship and also to share what I have learned in this class with family and friends who have had questions that I was able to answer because of this class. Many classes that I take, I study really hard for while I am in the class then forget the second my last exam is over. This class is not one of those classes. This is a class that I will forever remember and look back on in order to improve how I handle my finances now and in the future. I have come out of this class with more knowledge that is more useful and applicable in my every day life than any other class I have taken so far. ]]> 2018-12-13 00:06:22 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314089562 Everyone NEEDS this class https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314090597 I LOVED this class. I'm so grateful for the principles I learned and also for the very practical, hands-on projects we did. I wish I had known in the beginning how useful the TA's are. They are SO willing to help you understand more difficult concepts (especially the tax section- that one is a doozy). Since everything you learn in this class is necessary to be a successful adult, it would be best to understand every concept. I also love how centered it is on the spiritual side of things. When the spirit testifies of the truths of financial stewardship, you know this stuff must be pretty important to the Lord. This class will bless your life and your family's life until the day you die (or after you die, depending on how much you start investing now!). TAKE THIS CLASS!!!]]> 2018-12-13 00:15:54 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314090597 Worth the Time https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314094115 A lot of people wonder if taking a family finance class is worth their time if they think they already know they how to manage money, or if they have a busy schedule. IT IS WORTH IT. There are always new tips and tricks to learn about how to manage money and finances wisely, and hearing from other students is a great tool. It is also a good way to experiment new techniques in money management if you think you know the basics. Don't rush through assignments or complete assignments just to get the grade, but actually take the time to learn the principles so you are able to apply them in your own life. ]]> 2018-12-13 00:47:47 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314094115 This Class = Great Investment of Your Time https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314101001 This is one of the most worthwhile classes offered at BYU. It doesn't matter what your major is, you WILL benefit from this class if you just do the assignments. They are to-the-point and definitely not busywork. Every assignment is applicable to your current financial situation and your future one (if you choose it as the family for your final project).
Also the material in this class isn't the type that you memorize for tests and then forget after the semester is over. This is real-life stuff that you will take with you everywhere!
I wish I would have know at the beginning of the semester that the final home slides and the final home presentation have the same rubric but they are graded totally separately! So if you put something in your slideshow but don't say it in your presentation then you'll lose points and vice versa. Be very comprehensive and thorough in both the presentation and the slides!
Great class!]]> 2018-12-13 01:30:10 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314101001 I Learned How to Buy a Home https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314105617 This class was extremely beneficial for me. The title of this post says it all. Probably the biggest thing that I am saving for with my wife is a home, and we are about five years out. To be honest, at the beginning of the semester I had no idea what would be required of us to purchase a home. I didn't know how loans worked, how a down payment worked, what PMI was, or how much we would need to save. Of course this class is beneficial for those who already understand stocks, or investments, or cars or things like that, but for someone like me who really had no idea how it was, it really changed my perception on what will be required of me and how the need to start preparing is NOW. I thought that the TA's were always willing to help out and answer questions, the emails which came in for the course were timely, and the discussion posts were helpful. Advice I would give for future students coming into this course would be to simply focus on one or two things that they would like to learn from the course. This class is so information heavy that if you try and learn everything you won't learn anything. If you focus on really learning one or two of the things, like how to buy a home, or how to purchase a car, or how to invest, then you will glean a lot more than if you just try to absorb everything all at once.]]> 2018-12-13 01:58:16 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314105617 Soak up the text book and take the assignments seriously! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314105949 I'm SO glad I took this class before my husband and I bought a home with the little money we have - we would have been house poor for way too many years. This class taught me the value in renting and saving up before buying a house. The text book has a lot of good resources and the assignments are very applicable. Take the final assignment seriously as it incorporates all the real life steps that will need to be taken when looking into buying a home.]]> 2018-12-13 02:00:15 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314105949 Take the Time! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314110425 This class is an amazing opportunity to take the reins on your life! Take the time to prepare and put in effort to make it applicable to your own life. There were some weeks where I just last minute did the assignments, and it was much less valuable than the weeks when I thoughtfully took time to use my own life numbers and implement principles into my own life. It's a great idea to build your final presentation along the way rather than waiting until the end. The most important thing is, take time to understand the principles! I will hold onto this textbook and my slides for a long time so that I can draw back on them and be a wise steward! ]]> 2018-12-13 02:31:22 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314110425 Don't Try to Rush Through the Course https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314113675 This class was so beneficial, but I didn't realize it until the end. I wish I had spent more time reading the textbook in order to really soak up and internalize the information. Listen to the tips and tricks that are provided in the various chapters because they WILL help you out, not only on assignments but in your everyday life. Something I will never forget is the counsel to change the oil in my car on time every time in order to extend the life of my car. I also realize the importance of a 15-year mortgage as opposed to a 30-year mortgage and how much money I'll avoid having to pay in interest if I choose the shorter term loan. 

Focus on the apply and IRL assignments because they will teach you important things you need to know in the future. Don't treat this class as a joke, because you will learn so much necessary information to adult better if you pay attention. ]]> 2018-12-13 02:55:09 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314113675 Awesome class, especially if you apply it in your own life!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314114003 I didn't really know what to expect when I signed up for this class, but I'm really glad that I did! It taught me a ton about big financial decisions, especially home buying, car buying, and paying off loans. It also lays a great foundation of knowledge on insurance, taxes, and investing. I would highly recommend taking this class, whether or not starting a family appears to be in your immediate future!]]> 2018-12-13 02:57:17 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314114003 Teaches you adult things. Seriously. https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314114907 Ok so I came into this class thinking that I already knew everything when it came to finances... BOY WAS I WRONG. kind of. I already had relatively good spending habits, I knew how to make smart purchases and live within my means, I knew which kind of financial investments were smart (insurance, investing, buying used cars, etc.). But when it came to buying a home I was pretty clueless. After we figured out the true costs of a home I felt even more relieved that I'd taken the class. This course is a good idea for anyone, and I appreciate all the things I learned. I will be honest: in my opinion, there were a few assignments that felt like busy work, and some of the online content was wordy/confusing. I'm definitely keeping the textbook though. It's amazing. ]]> 2018-12-13 03:05:34 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314114907 Budgets really work https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314115290 There are a lot of things I learned in this class. One of them is about budgeting. I never budgeted before this class. I would write down what I though my wife and I were spending but when we put real numbers to it we realized how off we were and what areas we could improve. This class will teach you basic skills like this through real life application! ]]> 2018-12-13 03:09:10 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314115290 Do EVERY ASSIGNMENT https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314118151 Sister Chandler lays out the  whole semester so that at the end of the semester when you reach the final project it is 1000% times easier to do than if you were to do it all at once. ALSO DO THE READINGS, and follow along with each weeks layout on canvas. They help so much and you will learn SO SO MUCH! The things that you learn in this class are so applicable. When I have gone home and had discussions with family members (I understand what their saying) and I have more to contribute! I love, love, LOVED this class!! ]]> 2018-12-13 03:37:11 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314118151 Final Project https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314118207 I wish I had applied the final project more accurately to my life because the information that we have to calculate and consider is literally my future. The assignment can literally apply to anyone... so why not make it apply to your life? One day we will all rent or buy a home. One day we will all make budgets for our families and have to think about future expenses. I would definitely recommend for everyone to try to make the final project as accurate to their personal life as possible.]]> 2018-12-13 03:37:46 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314118207 Class Layout https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314123143 I wish I would have understood how the modules worked. I think I would have gotten way more out of this class if I could have figured out how it worked from the very beginning. This was a great class and I think I would have done much better reading through things a little more. I also wish I would have took more time during the week to spend on this class. I seemed to always forget about it until the night an assignment was due which was never pleasant 🤦🏼‍♀️]]> 2018-12-13 04:22:19 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314123143 Don't be dumb! You won't be after SFL 260! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314123630 This class was one of the few classes I have felt will have a direct impact on my life right now as a student and as a future adult, spouse and parent. Professor Chandler is amazing! She is super real, and is very understanding. The finances look intimidating at first, but it really isn't as bad as it looks. The course project is super useful, my advice would be keep on adding to it weekly. Don't cram everything the last weekend. It would've been too much to do in such a short amount of time! If you apply what you learn, you will be much better off financially. Which means to can spend "treat yo self" day in style!]]> 2018-12-13 04:27:27 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314123630 https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314126261 2018-12-13 04:55:19 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314126261 This Is Your Future!!!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314128634 We have such a rare privilege to have a course like this offered on BYU campus. It will bless you temporally as well as spiritually because the book is tapered to fit the needs of those of the Church of Jesus Christ of Latter-Day Saints. I strongly feel that everyone should take this class. We are less likely to fall into all of the financial traps that this world has to offer. This is one of the few times that a class is relevant to your life RIGHT NOW as well as in the future. If taken seriously, you will not regret taking this class! ]]> 2018-12-13 05:18:17 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314128634 A class with a textbook you'll actually want to keep and reread!! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314130508 This class has been so incredible! I started it expecting to learn how to avoid being a total train-wreck with my finances. However, I finished it with a greater perspective about how finances can actually be spiritually strengthening! One piece of advice I would give to other students: Don't forget to watch the videos and take notes during them!! I spent a lot of time studying the textbook and Apply assignments and underutilized studying the videos. You won't regret it when quizzes and tests come, and they're super helpful anyway! ]]> 2018-12-13 05:39:10 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314130508 Do assignment EARLY https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314130974 One of the best things to do in this class is to donor assignments early. Some assignments are more time consuming than others. But one of the advantages of doing an assignment early is the you can always change or make revisions as needed. Another advantage of doing your assignment early is that you can have the TA review your assignment before the due date and hope you can get the best score possible. One of the last advantages of doing your assignment early is that then you don't have to worry about it. You will be stress free and happy. Anyways this class has been awesome and I have learned so much from it. DO IT EARLY. Do not try to do it early, JUST DO IT EARLY. TRUST ME :)

]]> 2018-12-13 05:44:17 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314130974 Online Classes Are Not for Everyone! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314131351 The amount of skills you will acquire during the course of this class is overwhelming. You will be unbelievably prepared for basic, life skills in the financial realm! However, online courses are not for everyone. Yes, the flexibility it amazing, but you need to be committed to learning on your own and getting the work done on time. Organization is key! If you think you might struggle with that, take the class in person and enjoy the content and life skills with a learning atmosphere that plays to your strengths! Don't be confused by the meme, you CAN do well in this class! But just make sure you are up for the responsibility and organization necessary. ]]> 2018-12-13 05:48:55 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314131351 Getting assignments done early https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314132009 I have learned so much from this class. From improving the budget to learn how to purchase a car and house to learning how to make jokes about financing. One thing I have learned from this class is that completing an assignment early is one of the best things to do. Imma try to sell to ya. First reason, you will be happier, stress free and optimistic about the class. Second reason, just being able to have the TA help to help you revise as needed is a great way to get the best possible score. And Last reason is that some assignments take longer than others, So I you complete the assignment early you will feel accomplished. Just don't try to get it done early, GET THE ASSIGNMENT DONE EARLY. JUST DO IT. ]]> 2018-12-13 05:56:14 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314132009 I didn't realize just how much I needed this class https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314132599 I took this class because a friend of mine recommended it. I grew up with a dad who teaches finance at the collegiate level, and so I kinda thought I knew everything there was to know about family finances. However, this class opened my eyes to soooo many things I had NO idea about. Things that I would have never asked my dad about because I didn't even know about them in the first place. The entire course is designed to be applicable to your life and the situations you're going through, and it ties the gospel into every lesson. As a newly married person, I am so grateful that I took this class. I feel much more confident with budgeting, the process of buying a home, and our plan to stay out of debt. Honestly, if you take the time to really apply each assignment to your real-life situations, it'll help more than you know!    ]]> 2018-12-13 06:01:50 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314132599 Family Finance - Fulfilling and Enriching https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314133187 This has been one of the most impactful and life-enriching classes I have taken at BYU. I have wanted to give my full effort and time to many classes, but this was the first to allow me enough time in my schedule to do it. Plus, the combined reading, note taking, and assignment time was less time-consuming and much more fulfilling than a majority of the other classes I have taken. If you read every chapter AND take any sort of notes you will learn a lot. Plus, I thought that the workbook taught me real-life calculations that I actually wanted to know. 
One final note is to take enough time to pick your first Family Scenario, Salary, Dream Home, and Modest Home carefully so that you can use all your Apply assignments for the final project without much additional work. 
Good Luck!]]> 2018-12-13 06:06:21 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314133187 Getting Assignment Done EARLY https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314133403 I have learned so much from this class. From improving the budget to learn how to purchase a car and house to learning how to make jokes about financing. One thing I have learned from this class is that completing an assignment early is one of the best things to do. Imma try to sell to ya. First reason, you will be happier, stress free and optimistic about the class. Second reason, just being able to have the TA help to help you revise as needed is a great way to get the best possible score. And Last reason is that some assignments take longer than others, So I you complete the assignment early you will feel accomplished. Just don't try to get it done early, GET THE ASSIGNMENT DONE EARLY. JUST DO IT. ]]> 2018-12-13 06:09:10 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314133403 Buying a House https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314134497 This class has honestly prepared me so much for when I want to buy my future house. I had a mindset before taking this class that buying a house would be relatively easy and that my husband and I would be able to do it within the next 5 years. It was to my surprise that that wasn't really the case. Before taking this class, I wish I had known more about taxes and insurance. Those two things play such a big factor when purchasing a home. Thanks to this class, I feel a little more informed!


]]> 2018-12-13 06:19:38 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314134497 BEST CLASS https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314135356 You know how you were in high school and you felt totally unprepared for the world. You were wondering why they were teaching you calculus (which you didn't care about then and have never used sense) instead of how to balance a checkbook or make a budget. Taxes were a foreign concept and you hoped your mom would do yours forever because if you had to do it one day, you'd be lost, etc. This is the class that does what your high school classes failed to teach you. This is the most important class you can possibly take for your future, for your life, for your worldly experience in general. I recommend 100000000% this class. Trust me and just do it!]]> 2018-12-13 06:27:14 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314135356 Purchasing a Home https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314136612 This class has taught me so much about purchasing a home. I never knew it would be so complicated. My original thoughts were that home buying wouldn't be so complicated and that my husband and I would be able to do it in five years. Through this class I've learned that there are underlying features that one would need to take into account. This isn't just for home purchasing, but it's for all other financial aspects as well. I feel like I can stay true to my budget as well as how to start investing. I know the value of saving money for retirement. I wish I had known more about taxes and insurance before going into this course because learning those concepts were a little challenging for me, but it is so worth it once you find out how important they are!]]> 2018-12-13 06:36:41 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314136612 Knowledge that will be useful for the rest of your life! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314137807 My wife and I have been married for five months. This class has helped us budget and prepare for buying a home someday. I have learned so many things that we have been able to implement into our financial lives. Being money smart relieves a lot of stress and this class really helps you know how money works and how to use it properly. I wish I had known the benefits of this class coming into it. I think the class Family Finance can sound intimidating but it is so helpful and interesting. I would also suggest being very thorough in textbook reading. The textbook has a lot of amazing content that is tested- be sure to study it tremendously! 
I would also suggest checking the class calendar at the beginning of the week because many times multiple assignments are due on one day and it is nice to get a jumpstart on them. I hope this helps! Enjoy this amazing class. ]]> 2018-12-13 06:45:21 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314137807 Getting ready! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314141097 You should go into this class ready to eat everything up. Every single class and chapter is extremely important. Make sure that you do everything you are asked and read all the chapters and you will learn a lot, have fun and get a good grade. This is is one of the few classes where you actually will use everything you learn in class which is sadly rare. This class teaches you how to prepare for the future.    ]]> 2018-12-13 07:10:41 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314141097 Investing https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314141402 I honestly didn't really know how big of a (negative) impact inflation can have on a lifetime of savings.  This class helped me to understand both what inflation does, and how to prepare for it.  I now understand why investing for the long term is so important, and that it doesn't have to be really complicated.  Eventually, I would like to invest in stocks, but for now, I can start with something simple like a CD.  It would have been useful to know this before this class because I could have been more aware of how my current spending habits were affecting my financial stability in the future- not that I can't still be financially stable in the future, I just might already have some money saved somewhere. I am glad I know now, so I can save and be safe from inflation when I am old and gray. :)]]> 2018-12-13 07:13:41 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314141402 What I Should've Learned in High School https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314143104 Honestly, this is the class that I needed my senior year of high school. This would have been so helpful the past 6 years as an adult, but I guess it's better to learn this stuff late than never. It was really helpful to learn about taxes and how that all works. To be honest, I still need to learn more about it. It was also really helpful to go through the whole process of how to purchase a home. I'm glad that now I know how to research all of that. I would recommend learning how to use the financial calculator software as soon as possible and take the time to really understand the math. I'm not great at math and I should've taken more time to get to know it more. I loved the online format and the TA's were great. Super helpful class that actually told me stuff. YOU GOT THIS]]> 2018-12-13 07:27:06 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314143104 A class that actually applies to real life! https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314147948 This class is super practical! Assignments are even labeled IRL (for In Real Life) because it not only teaches you finance principles, but it walks you through your own "personal" finances. I loved the tests because it was a blend of math, which were typically easy to understand story problems, and multiple choice from the textbook. So even if you're not a wizard with math, you can crush the textbook part to make up for it and balance it out.]]> 2018-12-13 07:55:43 UTC https://padlet.com/jchand30/kaeqwzm5kl2m/wish/314147948