Learning Modules

Structured learning program to achieve your financial goals

Our learning modules are designed for sequential mastery of financial planning skills and the realization of major life goals. Each module combines theoretical knowledge and practical tools.

Curriculum Structure

A comprehensive approach to planning and achieving financial goals

5 Main Modules

A sequential learning program covering all aspects of financial planning for major goals

4-6 Sessions per Module

Each module includes theoretical and practical sessions lasting 2 hours each

Practical Materials

Plan templates, calculation spreadsheets, and checklists for independent work

You can choose individual modules depending on your goals or complete the full learning program. Each module concludes with the creation of a practical plan on the relevant topic.

Goals and Cost Estimation

Module 1: Goals and Cost Estimation

Learn how to properly formulate and estimate your financial goals

Key Module Topics

  • SMART methodology for formulating financial goals
  • Determining real cost of goals accounting for inflation
  • Prioritizing multiple goals and creating a timeline
  • Market value estimation of housing, education, business, and other major goals
  • Psychological aspects of goal setting and overcoming barriers

Expected Results

  • Clearly formulated personal financial goals
  • Realistic cost estimation with a time perspective
  • Understanding of factors affecting goal cost
  • Ability to prioritize between competing goals
  • Market research plan to refine goal costs

Approximate Session List

Session Theory Practice
Session 1 Introduction to goal setting. SMART methodology. Formulating 3-5 personal financial goals using SMART.
Session 2 Goal cost estimation. Inflation and market trends. Calculating real goal cost with a time perspective.
Session 3 Market research for cost refinement. Market analysis of real estate, education, and cars in Kazakhstan.
Session 4 Goal prioritization. Psychological aspects of goal setting. Creating a goal achievement timeline. Overcoming psychological barriers.

Sample Session Calculation

Example: Housing Cost Estimation with Inflation

Initial Data:
  • Current property cost: 20,000,000 ₸
  • Projected real estate price growth: 8% per year
  • Planned purchase time: in 5 years
Calculation:

Future Value Formula: FV = PV × (1 + r)^n

Where:

  • FV — future value
  • PV — present value (20,000,000 ₸)
  • r — annual price growth (8% = 0.08)
  • n — number of years (5)

FV = 20,000,000 × (1 + 0.08)^5 = 20,000,000 × 1.4693 = 29,386,000 ₸

Conclusion:

In 5 years, a similar apartment will cost about 29,400,000 ₸. This value should be used when planning savings.

Module 2: Budget and Expense Optimization

Master effective personal budget management methods to free up funds for achieving your goals

Key Module Topics

  • Creating a detailed income and expense budget
  • Analyzing expense structure and identifying optimization potential
  • Methods for painless expense reduction
  • Psychology of consumption and forming healthy financial habits
  • Increasing the income side of the budget: career strategies and additional sources

Expected Results

  • Detailed personal/family budget with a dedicated savings category
  • Expense optimization plan with specific amounts and deadlines
  • Strategy for increasing income in the short and long term
  • Expense tracking and control system
  • New financial habits to maintain savings discipline

Approximate Session List

Session Theory Practice
Session 1 Personal budgeting basics. Income and expense structure. Creating a detailed budget using templates and apps.
Session 2 Expense analysis. Identifying inefficient spending and optimization potential. Audit of personal expenses for the last 3 months. Identifying budget "leaks".
Session 3 Expense optimization methods without lowering quality of life. Developing an optimization plan with specific actions and amounts.
Session 4 Psychology of consumption. Forming healthy financial habits. Creating a system to control impulsive purchases. Mindful consumption techniques.
Session 5 Income growth strategies. Career planning and additional sources. Developing a personal income growth plan for 20-30% within a year.

Sample Session Calculation

Example: Expense Optimization for Increasing Savings

Initial Data:
  • Current monthly income: 450,000 ₸
  • Current monthly expenses: 420,000 ₸
  • Current savings: 30,000 ₸ (6.7% of income)
  • Target savings level: 135,000 ₸ (30% of income)
Expense Structure Analysis:
  • Mandatory payments (rent, utilities): 150,000 ₸ (33.3%)
  • Food: 90,000 ₸ (20%)
  • Transport: 45,000 ₸ (10%)
  • Entertainment and leisure: 60,000 ₸ (13.3%)
  • Clothing and home goods: 40,000 ₸ (8.9%)
  • Other expenses: 35,000 ₸ (7.8%)
Optimization Plan:
  1. Food: optimization through menu planning and bulk purchases (-20,000 ₸)
  2. Transport: partial transition to public transport (-10,000 ₸)
  3. Entertainment: finding free alternatives, using discounts (-30,000 ₸)
  4. Clothing: planning purchases, seasonal sales (-15,000 ₸)
  5. Other expenses: subscription analysis, cancellation of unused services (-10,000 ₸)
Result:

Total savings: 85,000 ₸

New savings level: 30,000 ₸ + 85,000 ₸ = 115,000 ₸ (25.6% of income)

Additional 20,000 ₸ (4.4%) must be obtained through income increase

Budget and Expense Optimization
Savings Tools

Module 3: Savings Tools and Investment Basics

Study financial tools available in Kazakhstan for effective saving and capital growth

Key Module Topics

  • Overview of Kazakhstan's financial tools: deposits, bonds, stocks, mutual funds
  • Housing savings system for real estate acquisition
  • Investment basics: risk vs. return ratio
  • Savings diversification and inflation protection
  • Tax aspects of various savings tools

Expected Results

  • Understanding the features of different financial tools
  • Ability to choose optimal tools based on goal and timeframe
  • Personal savings diversification strategy
  • Risk and potential return assessment skills
  • Savings protection plan against inflation and currency risks

Approximate Session List

Session Theory Practice
Session 1 Banking tools: deposits, savings accounts, currency accounts. Comparative analysis of Kazakhstan bank offers. Real return calculation.
Session 2 Housing savings system. Government support programs. Calculating savings in the housing savings system. Evaluating effectiveness for personal goals.
Session 3 Securities: bonds, stocks, mutual investment funds. Creating a model investment portfolio with various risk levels.
Session 4 Diversification principles. Protection against inflation and currency risks. Developing a personal savings diversification strategy.
Session 5 Tax aspects of savings and investments in Kazakhstan. Tax optimization for various savings strategies.
Session 6 Digital tools for savings and investment management. Setting up a peronal account in brokerage apps and tracking systems.

Sample Session Calculation

Example: Efficiency Comparison of Different Savings Tools

Initial Data:
  • Monthly contribution amount: 100,000 ₸
  • Savings period: 5 years
  • Available tools:
    • Deposit: 10% annual, monthly capitalization
    • Housing savings: 2% + 20% state bonus (up to 200,000 ₸ per year)
    • Bonds: 11% annual, semi-annual coupon payment
    • Index fund: projected 12-15% annual return (accounting for volatility)
Calculation for Each Tool:

1. Deposit (10% annual with monthly capitalization)

Formula: FV = PMT × ((1 + r)^n - 1) / r × (1 + r)

Where:

  • FV — future value
  • PMT — monthly payment (100,000 ₸)
  • r — monthly interest rate (10%/12 = 0.8333%)
  • n — number of months (5 years × 12 = 60)

FV = 100,000 × ((1 + 0.008333)^60 - 1) / 0.008333 × (1 + 0.008333) = 7,748,000 ₸

Total accumulated: 7,748,000 ₸ (invested 6,000,000 ₸, profit 1,748,000 ₸)

2. Housing Savings (2% + 20% state bonus)

Base savings: 100,000 × 60 months = 6,000,000 ₸

Interest income: ~310,000 ₸ (at 2% annual)

State bonus: 200,000 ₸ × 5 years = 1,000,000 ₸

Total accumulated: 7,310,000 ₸

3. Diversified Portfolio (Optimal Option)

  • 40% in housing savings: 40,000 ₸/mo. → 2,924,000 ₸ in 5 years
  • 30% in bonds: 30,000 ₸/mo. → 2,280,000 ₸ in 5 years
  • 30% in index fund: 30,000 ₸/mo. → 2,430,000 ₸ in 5 years (at 13% average return)

Total accumulated: 7,634,000 ₸ with an optimal risk-return ratio

Module 4: Timing Planning and Payment Optimization

Develop a detailed plan for achieving financial goals with optimal timing and payment amounts

Key Module Topics

  • Methods for calculating optimal goal achievement timing
  • Determining optimal monthly payment size
  • Balancing multiple financial goals
  • Strategies to accelerate goal achievement
  • Planning considering income and expense seasonality

Expected Results

  • Detailed calendar plan for achieving financial goals
  • Optimized payment schedule considering budget capabilities
  • Strategy for balancing multiple goals
  • Action plan to accelerate priority goal achievement
  • Plan monitoring and adjustment system

Approximate Session List

Session Theory Practice
Session 1 Methodology for calculating goal achievement timing considering various tools. Calculating optimal timing for personal financial goals.
Session 2 Determining optimal monthly payment size. Balancing comfort and efficiency. Creating a personal payment schedule based on budget.
Session 3 Strategies for balancing multiple financial goals. Developing a plan for simultaneous achievement of several goals.
Session 4 Methods to accelerate financial goal achievement. Optimization of the savings process. Creating an action plan for accelerating priority goal achievement.
Session 5 Monitoring and adjustment systems. Adapting to changes. Developing a personal monitoring system and checkpoints.

Sample Session Calculation

Example: Balancing Multiple Financial Goals

Initial Data:
  • Monthly amount for savings: 150,000 ₸
  • Goal 1: Down payment for an apartment (6,000,000 ₸) — high priority
  • Goal 2: Buying a car (4,500,000 ₸) — medium priority
  • Goal 3: Child's education (2,000,000 ₸) — timeframe 3 years, high priority
Balancing Strategy:

1. Option 1: Sequential Goal Achievement

  1. Goal 3 (education): 150,000 ₸/mo. × 14 months = 2,100,000 ₸
  2. Goal 1 (housing): 150,000 ₸/mo. × 40 months = 6,000,000 ₸
  3. Goal 2 (car): 150,000 ₸/mo. × 30 months = 4,500,000 ₸

Total time: 84 months (7 years)

2. Option 2: Parallel Achievement Based on Priorities

  • Goal 3 (education): 60,000 ₸/mo. (40%) — accumulated in 36 months considering interest
  • Goal 1 (housing): 60,000 ₸/mo. (40%) — accumulated in 90 months considering interest
  • Goal 2 (car): 30,000 ₸/mo. (20%) — accumulated in 132 months considering interest

3. Option 3: Optimized Plan (Recommended)

First 36 months:

  • Goal 3 (education): 60,000 ₸/mo. (40%)
  • Goal 1 (housing): 90,000 ₸/mo. (60%)

After 36 months (Goal 3 achieved):

  • Goal 1 (housing): 105,000 ₸/mo. (70%)
  • Goal 2 (car): 45,000 ₸/mo. (30%)

Result of the optimized plan:

  • Goal 3 (education): achieved in 3 years
  • Goal 1 (housing): achieved in 5 years
  • Goal 2 (car): achieved in 7 years

Overall time reduction: from 7 to 6 years compared to the sequential approach

Timing Planning
Preparing for a Major Purchase

Module 5: Preparing for a Major Purchase / Transition Plan

Learn how to make major purchases and transition from the savings stage to the realization of the goal

Key Module Topics

  • Psychological preparation for major financial decisions
  • Legal aspects of major purchases (housing, car, business)
  • Optimization of the purchase process to save money
  • Negotiation strategies for major deals
  • Life planning after reaching a financial goal

Expected Results

  • Detailed plan for preparing for a major purchase
  • Understanding legal nuances and risks in various transaction types
  • Negotiation skills to get the best terms
  • Budget adaptation strategy after achieving the goal
  • Plan for forming new financial goals

Approximate Session List

Session Theory Practice
Session 1 Psychological aspects of major financial decisions. Overcoming doubts and fears. Techniques for making informed decisions. Working with emotional barriers.
Session 2 Legal aspects of real estate purchase in Kazakhstan. Contract analysis. Checking legal cleanliness of the object. Risk assessment.
Session 3 Legal aspects of car purchase and starting a business. Drafting a verification checklist for purchase. Risk assessment for starting a business.
Session 4 Negotiation strategies for major deals. Role-playing games on negotiation. Techniques to get better terms.
Session 5 Budget planning after reaching a goal. Forming new financial goals. Developing a budget adaptation plan. Defining next financial targets.

Sample Session Calculation

Example: Apartment Purchase Optimization

Initial Data:
  • Accumulated amount: 7,000,000 ₸ (down payment)
  • Cost of selected apartment: 22,000,000 ₸
  • Standard mortgage terms: 15,000,000 ₸ for 15 years at 12% annual
  • Monthly payment under standard terms: 180,000 ₸
Optimization Strategy:

1. Purchase Price Optimization

  • Choosing a low-demand season (winter): potential 3-5% discount
  • Offering full payment in short timeframe: additional 2-3% discount
  • Identifying defects during inspection for bargaining: potential 1-2% discount

Potential cost reduction: 6-10% = 1,320,000 - 2,200,000 ₸

New cost: ~20,000,000 ₸

2. Mortgage Terms Optimization

  • Increasing down payment using discount: 7,000,000 + 2,000,000 = 9,000,000 ₸
  • Participating in state support program (2-3% rate reduction)
  • Comparing offers from different banks and choosing the optimal one

New mortgage terms: 11,000,000 ₸ for 15 years at 9% annual

New monthly payment: 111,600 ₸

3. Saving on Associated Costs

  • Choosing the optimal insurance option
  • Optimizing document processing costs
  • Planning renovation and furnishing with seasonal discounts

Potential saving on associated costs: 200,000 - 300,000 ₸

Final Optimization Result:
  • Reduction in apartment cost: ~2,000,000 ₸
  • Reduction in monthly mortgage payment: from 180,000 ₸ to 111,600 ₸ (saving 68,400 ₸/mo.)
  • Total savings over the entire mortgage term: ~12,300,000 ₸

Дополнительные материалы

В рамках обучения вы получите доступ к практическим инструментам для самостоятельной работы

Шаблоны планов

Готовые шаблоны для планирования различных финансовых целей: покупка жилья, автомобиля, образование, свадьба, путешествие, бизнес.

Каждый шаблон включает структурированные разделы для анализа цели, расчета необходимой суммы, выбора инструментов накопления и планирования сроков.

Чек-листы

Подробные чек-листы для каждого этапа достижения финансовой цели: от формулирования цели до её реализации.

Чек-листы помогут не упустить важные детали, своевременно принять необходимые решения и избежать типичных ошибок при планировании и реализации финансовых целей.

Расчетные таблицы

Специализированные таблицы для расчета накоплений с учетом различных инструментов, процентных ставок и сроков.

Таблицы позволяют моделировать различные сценарии накопления, сравнивать эффективность разных инструментов и оптимизировать план достижения цели.

Начните путь к вашей финансовой цели

Запишитесь на обучение и получите персональный план достижения ваших целей

Получить консультацию