Personal Finance 101
Like Duolingo, but for Personal Finance 101. Tomo turns the whole topic into a game you play five minutes a day, until it actually sticks.
For the part of you with thirty open tabs that never became anything.
Free during early access · No credit card · iPhone & Android
Key ideas in Personal Finance 101
- Fixed expenses remain constant and predictable each month
- Variable expenses fluctuate based on lifestyle choices and habits
- Small frequent purchases aggregate into significant monthly totals
- Daily habits are often the primary source of budget leaks
- Fixed vs Variable expenses
- Unused digital subscriptions are a common form of passive leaking
- Perceived spending is usually lower than actual spending due to cognitive bias
- Distinguishing between fixed and variable expenses
- Convenience fees and service surcharges add up over time
- Tracking reveals the gap between financial intentions and actual behavior
- Identifying common 'money leaks'
- The cumulative impact of small daily purchases on a budget
- Perceived vs actual behavior
- Tracking reveals the gap
- Convenience fees and service surcharges
- Perceived vs actual spending
You've tried the other tabs
Thirty open tabs. Four facts you actually kept.
You watched. You nodded. By Sunday it was gone.
One answer, then back to scrolling.
Eight weeks. You meant to finish. You didn't.
Tomo gives Personal Finance 101 the Duolingo treatment: levels, streaks, and quick quizzes that test what you just learned. That game loop is what the tabs above never had, so it's the one you actually finish.
Here's what playing it feels like
A real question from this course. Take your best guess.
If ye be charting your monthly gold, which of these costs stays the same every single time ye pay it?
Get it right to open this lesson and 53 more in the app.
Where Personal Finance 101 takes you
Take control of your money and build a future you love. Learn how to budget, save, and invest with simple steps that anyone can follow.
- 1
Getting Started with Your Money
- Where Does Your Money Go?
- Setting Your Money Goals
- Making a Simple Budget
- Apps and Tools to Help You
- 2
Saving and Safety Nets
- Why You Need an Emergency Fund
- How to Save More Every Month
- Picking the Right Bank Account
- The Power of Saving Early
- Automating Your Savings
- Protecting Your Money with Insurance
- 3
Dealing with Debt and Credit
- Understanding Your Credit Score
- How Credit Cards Actually Work
- Smart Ways to Pay Off Debt
- 4
Growing Your Wealth
- Investing for Beginners
- How the Stock Market Works
- Saving for Your Retirement
- Buying Your First Home
- Staying Safe from Scams
4 sections · 18 units · 54 levels. Built to play, not to enroll.
You pick the voice
Personal Finance 101 is taught in the The Pirate style: arr, learning be an adventure!. Want a different feel? In the app you can spin up the same topic in any of Tomo's teaching styles. Same facts, totally different vibe.
More Business on Tomo
Master Your Money
Stop wondering where your paycheck went and start telling it where to go. Learn how to build a spending plan that actually fits your life and helps you reach your goals without the stress.
Dubai Real Estate Mastery: From First Deal to Portfolio Empire
Master the world's most dynamic property market with expert strategies for high-yield flipping, off-plan arbitrage, and navigating the Golden Visa landscape. Transition from a casual investor to a sophisticated market player using insider legal and financial frameworks.
Trading for the Real World
Stop guessing and start strategizing. Learn how to navigate the markets, manage your risk, and think like a professional trader from your very first trade.
Become a Pro Virtual Assistant
Go from zero to hired by mastering the tools and habits of top-tier remote assistants. Learn how to manage calendars, handle clients, and build a flexible career from home.
Invest
Stop letting your savings sit still and start putting them to work. Learn how to build a simple portfolio that grows over time without needing to watch the news every day.
Master Your Money Without Stress
Stop wondering where your paycheck went and start building the life you want. Learn how to balance your needs and wants while growing a safety net that gives you peace of mind.
Start Personal Finance 101 today.
Download Tomo, search Personal Finance 101, and play your first lesson in under a minute.