Hallycon Academy

Curso 5 · Principiante

Foundations first: safety net, debt and compounding

Before any investing: know where your money goes, build an emergency fund, clear expensive debt, and understand how compounding works for you and against you.

  • 8 lecciones
  • 56 min
  • Gratis
  • Un certificado al terminar

Empezar a aprender gratis

Para quién es

Para quien quiere una base sólida antes de invertir: un presupuesto claro, un colchón de seguridad y ninguna deuda cara. Un buen primer curso a cualquier edad.

Las lecciones

Cada lección tiene un vídeo breve, un cuestionario y enlaces para saber más. Las lecciones completas se abren tras un registro gratuito.

  1. Lección 1: Where your money actually goes

    7 min

    Track one month, sort it into three groups, and find the small leaks. The first step of every money plan is knowing the real numbers.

    Puntos clave

    • Track one month of spending.
    • Split it into fixed costs, flexible costs and savings.
    • Small leaks add up (subscriptions, fees).

  2. Lección 2: Your emergency fund

    7 min

    Three to six months of essential costs, in cash you can reach at once. The safety net that keeps a broken boiler from turning into a crisis.

    Puntos clave

    • Keep 3–6 months of essential costs aside.
    • Hold it in an instant-access account, not in investments.
    • Then a broken boiler never forces you to sell at a bad moment.

  3. Lección 3: Pay off expensive debt first

    7 min

    Credit cards and overdrafts can cost far more than any savings account pays. Every euro repaid saves that interest for certain. Two simple methods, and how to pick yours.

    Puntos clave

    • Credit cards and overdrafts often cost 10–20% a year or more.
    • Every euro repaid saves that interest for certain.
    • Avalanche (highest rate first) or snowball (smallest first): pick the one you'll stick with.

  4. Lección 4: Good debt, bad debt

    7 min

    Not all debt is the same. A mortgage on the home you live in is a different animal from revolving card credit. Three questions to tell them apart, and one rule for beginners.

    Puntos clave

    • A mortgage on a home you live in is not the same as consumer credit.
    • Buy-now-pay-later and revolving credit are traps.
    • Never borrow to invest as a beginner.

  5. Lección 5: Compound interest: the snowball

    7 min

    Returns that earn returns. Why growth is slow at first and fast later, why the rate matters so much, and why compounding works against you on debt.

    Puntos clave

    • Returns earn returns: that is compounding.
    • €10,000 at an assumed 5% a year: about €16,300 after 10 years, €26,500 after 20, €43,200 after 30.
    • Growth is slow at first, then fast.

  6. Lección 6: Time is the biggest ingredient

    7 min

    Two sisters, the same monthly amount, ten years apart. Why starting earlier often matters more than putting in more, and what changes if you start at 50 or later.

    Puntos clave

    • €200 a month to 67 at an assumed 5%: starting at 35 gives about €189,000; starting at 45 about €96,000.
    • The early starter pays in €24,000 more but ends with about €93,000 more. Illustrations, not forecasts.
    • It's not too late at 50+, but the approach changes.

  7. Lección 7: Costs compound too

    7 min

    A fee of 2% a year sounds small. Over 25 years it can take more than a third of the result. Where costs hide, and why cheap and simple usually beats expensive and clever.

    Puntos clave

    • 2% a year in fees can cut the end result by over a third over 25 years (assumed 6% vs 4% net).
    • Look at running costs, entry fees and spreads.
    • Cheap and simple usually beats expensive and clever.

  8. Lección 8: Pay yourself first

    7 min

    Move your savings out on payday, automatically, before you can spend them. Raise the amount with every pay rise. A simple starting split you can adjust to your life.

    Puntos clave

    • Move savings out on payday, automatically.
    • Raise the amount with every pay rise.
    • A starting split: 50% needs, 30% wants, 20% saving, adjusted to your life.

Qué encontrará

  • Vídeos breves: Unos dos minutos por lección
  • Cuestionarios: Tres preguntas después de cada lección
  • Calculadoras: Inflación, interés compuesto, fondo de emergencia y comisiones
  • Certificado: Por cada curso que complete

Las lecciones completas, los vídeos y los cuestionarios se abren tras un registro gratuito: su nombre, correo electrónico, móvil y un PIN. Sin tarjeta, sin compromiso.

Empezar a aprender gratis Iniciar sesión

Educación financiera general. Hallycon Academy no gestiona dinero, no vende productos de inversión ni da asesoramiento personal. Los ejemplos no prometen ninguna rentabilidad.

Otros cursos

Todos los cursos