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The ExpertRating Online Debt Reduction Course
(leading to ExpertRating Debt Elimination Certification).

Ever get frustrated that you never seem to get ahead? Are you and your family constantly arguing about money? Do you ever wonder where your money went last month? Do you have trouble saving money? Do you wish you had financial security? Want to work on paying down your debt but don't know where to find the money?

This course will teach you the very basics of how to get control of your finances rather than letting them control you. It is the help you need before learning about investing, debt elimination, retirement or college planning. There aren't many places that you can go to learn these principles, so take advantage of this opportunity to learn online.

Start to make conscious decisions about spending and saving. Find out where your money goes. Make your own informed choices about where you want it to go. Learn how to fund your dreams and how to save money for everything from emergencies to vacations. If you have ever felt lost about where to start working on your finances, this course is for you.

You can't afford not to take this course and change your habits. This course is an investment in your future and you will save the cost of the course many times over by applying what you learn.


Buy the ExpertRating Online Debt Reduction Course- $129.99

This course includes a knowledgeable and caring instructor who will guide you through your lessons, facilitate discussions, and answer your questions. The instructor for this course will be Susan Price-Batting..

Susan Price-Batting

About the ExpertRating Online Debt Reduction Course instructor : Susan Price-Batting is the money manager of her husband's business, and she co-manages the money side of her family's 30+ year old mail order business. She created, ran and later sold her own successful mail order business. She put herself through graduate school without taking out any loans and is also a graduate of the H&R Block Tax Class. Susan has lived virtually debt free for her entire life and brings her practices for day to day money management to those who need guidance. Her expertise with managing money started long ago when she had the good fortune to learn good basic money principles from her parents around the dinner table. Because of her first-hand knowledge of how to live within one's income, her knowledge of how to run a successful business, and her ability to teach, Susan is constantly asked by others to help them get their financial lives in order. Now she counsels others individually in money management and wrote this course to help even more people learn to get control of their money. Susan has been called the Budget Lady, and is a born teacher. She teaches by example, and will help you understand not only how to get control over your money, but why you'll want to.

 Online Debt Reduction Course requirements: For taking this instructor led ExpertRating Online Debt Reduction Course you need Internet access, e-mail, and the Microsoft Internet Explorer or Mozilla Firefox Web browser. browser.

 Testimonials: The ExpertRating Online Debt Reduction Course has received overwhelming positive feedback and reviews from students around the world. Here are a few:

"As my first online course this was GREAT!"
"Bravo on a fantastic course! My husband and I have been trying to do this for years and the envelope system really works. I have done our plan, and am so excited to get it rolling in earnest." "Excellent course! Fantastic teacher! Teacher is friendly, humorous, and very encouraging. I would recommend THIS course taught by THIS teacher. I've taken other similar courses before, but this one was better, more practical for my purposes, and taught with such humor and style. Course is well-written, too."

"Excellent job, Susan! Thanks so much for your help and your excellent teaching. I'm going to be debt free, too, and you've given me the tools to do it."
"Good job! Informative and interesting class."
"Great class! I wish I had taken it about 10 years ago. We recently refinanced our house which took care of our debt. The bad part is this is the third time we have done this. We have excellent credit and found ourselves piling on the debt after we re financed the first 2 times--this is the last time. Thanks to you, I feel we can keep our budget the way it should be. I am very impressed. Thank you."
"Great class with lots of helpful examples and suggestions!"
"Great course. I feel like I am on the right track."
"Great job and enoyed the discussion section."
"I am a credit counselor and help people with budgets every day. This was extremely valuable for me both personally and professionally."


Buy the ExpertRating Online Debt Reduction Course- $129.99

ExpertRating Online Debt Reduction Course

(leading to ExpertRating Debt Elimination Certification)

 ExpertRating is one of the world's only ISO 9001:2015 Certified companies (from TUV America) offering an Online Debt Reduction Course (leading to ExpertRating Debt Reduction Skills Certification).


Over 5 million people from 120 countries have benefited from ExpertRating Online Tests and Certifications. ExpertRating offers its testing services to the world's best companies such as Convergys Corp, UPS, GAP, Sony, Coke, Citrix, Deltek Corp, IKEA Systems and Ericsson to name a few. See where ExpertRating Certified Professionals are working.

 It is very safe to buy from ExpertRating. Apart from being an ISO 9001:2015 certified company, it is also HackerSafe approved.


ExpertRating upholds the highest privacy standards and complies with strict program requirements, ensuring that your information is always safe. ExpertRating has certified Several thousand individuals who are working with leading companies across the US and other countries. View list.

When you choose the ExpertRating Online Debt Reduction Course you can be sure that you are buying a premium International certification that is recognized by hundreds of employers and Government bodies in the US and other countries.


 With ExpertRating you get certified quickly online and you are equipped with a store house of information through the in-depth ExpertRating Online Debt Reduction Courseware which has been developed by experienced Financial Experts.

 The ExpertRating Debt Elimination Certification is by far the best value for money instructor led Debt Elimination Program at $129.99.


Some Popular questions and answers about this ExpertRating Online Debt Reduction Course and certification:

 How much does the Debt Elimination Certification cost and what does it include?

You can buy this ExpertRating Online Debt Reduction Course leading to Debt Elimination certification at a special offer price of only $129.99 which includes the in-depth ExpertRating Online Debt Reduction Courseware and exam fee. This is the best value for money Debt Elimination Program available till date. You get the following services within the USD $129.99 fee.

 In-depth ExpertRating Online Debt Reduction Courseware including scenarios and case studies.

 An instructor to guide you through the course and to whom you can direct your questions.

 World wide airmail delivery of the hard copy Debt Elimination Certificate. The Debt Elimination Certificate can be used to prove your certified status and does not mention the words "online".

 An online transcript that can be used to prove your certified credentials on the internet at any time.

How do I get certified?

The process of getting yourself certified is very simple. All you have to do is buy the ExpertRating Online Debt Reduction Course for $129.99. Log in to the instructor led course using your password. Go through the ExpertRating Online Debt Reduction Courseware (which would take you 6 weeks) and complete the final Debt Elimination Certification exam at your convenience. You can complete the exam within 2 months of buying the Debt Elimination Certification. The result of the exam appears as soon as it is completed, and your Debt Elimination Certificate is mailed immediately.

What learning aids will I get?

The ExpertRating Online Debt Reduction Course includes the following learning aids:

24 x 7 hour access to the courseware. A printer friendly version of the ExpertRating Online Debt Reduction Course is also provided

A friendly instructor to answer your questions online

A discussion area to have your questions answered

Chapter end quizzes to ensure that you are learning important aspects of every chapter

Chapter assignments to help you practically use the Debt Elimination that you will learn during the Debt Elimination Course.

What is the final exam like?

The final exam is fully based upon the   ExpertRating Online Debt Reduction Courseware that is provided along with the Debt Elimination Certification. If you have gone through the courseware properly you should not have a problem clearing the exam. The exam consists of multiple choice questions from all chapters of the ExpertRating Online Debt Reduction Courseware.

What are the course start dates?

ExpertRating instructor led courses commence every month, you can always choose a suitable date for your course commencement in any month. To see available course start dates, please click on the "Enroll now" button. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when the lesson is released, but you must complete each lesson within two weeks of its release.

A new section of each course starts on the second or third Wednesday of each month. If enrolling in a series of two or more courses please be sure to space the start date for each course at least two months apart.


Buy the ExpertRating Online Debt Reduction Course- $129.99


Become rich and learn the wealth amassing ways through this useful Where Does All My Money Go? course.

Managing personal finance involves applying the principles of finance to the monetary decisions of an individual or a family. Making plans for personal finance include making a note of how the finances are obtained, spent and how much of them are saved. Personal finance also takes into account the financial risks and future life events. The best ways of managing your personal finance are gathering correct information, independently analyzing and honestly presenting the key facts.


  You can accomplish your financial goals by saving and investing in the right things at the right time, pay off a debt or build your dream home with the simple to learn and understand wealth building strategies. The ExpertRating Where Does All My Money Go? Certification course will guide you on and give you tips to develop a plan for building personal wealth.

ExpertRating Online Debt Reduction Course Coverage (6 weeks program)

Week One

Wednesday - Lesson 01

Why know where all your money goes? This lesson will inspire you to take this course and find out the answer! This lesson will talk about why anyone would want to set up a Spending Plan. It will also discuss the difference between the Planning Mindset and the I Want It Now Mindset, as well as the ways that either mindset affects your everyday life. This lesson will look at lifestyles and how people usually choose them unconsciously. Then you'll find out how to examine yours, and whether you want to make any changes. This lesson will also discuss The Black Hole of Monthly Payments: what it is, how it works, and why you'll want to learn how to avoid it. This lesson is the foundation of all of the ones that follow, because it will get you excited to learn why to get control of your own money.

Friday - Lesson 02

In this lesson, you'll begin the work of tracking your money by learning how to create a Net Worth Statement. This lesson will look at how your personality affects your attitude towards money, and how to manage money in marriage and relationships. Then this lesson will discuss why you should set some goals for yourself, and you'll work on writing your own financial Wish List.

Week Two

Wednesday - Lesson 03

This lesson begins with a discussion about the importance of your checkbook. It will discuss various banking topics like ATM transactions and debit cards, and how to choose the best bank account for you. Then this lesson will delve into how to create a Mail Station and a Bill Paying Station as a place to organize yourself for paying your bills. It will also cover how to keep all of your paperwork—from what to save to how to create a filing system.

Friday - Lesson 04

This lesson is the backbone of good money management. You'll learn how to balance your checkbook and how this task affects all of your money issues. It will also take a look at keeping track of your credit card statements.

Week Three

Wednesday - Lesson 05-

This lesson will examine that enemy to financial freedom: debt. It will look at how to know if you're in debt trouble, and you'll compile your own personal debt list. This lesson will also discuss tax debt, and then most important, it will examine how to best pay debt off. Finally, you'll work on prioritizing your debt so you know what to pay off first.

Friday - Lesson 06

In lesson 6 it's time to look at your spending habits and where you've been spending your money. You'll create a list of expense categories, and then create a Historical Costs Worksheet to examine where your money has been going. This lesson will also discuss how to keep a cash log to track where your cash gets spent. Very few people know the answer to this! But you will after completing this lesson and its assignments.

Week Four

Wednesday - Lesson 07

This lesson will get into planning how to change the way you manage your money, which begins with drafting your first Spending Plan. It will discuss how a Spending Plan works, and will look at how to create one using your Historical Costs Worksheet as a base. Then this lesson will compare your figures with standard guideline percentages to see where your Spending Plan might be off.

Friday - Lesson 08

Now it's time to set up some detail about how to work your Spending Plan. You'll start by learning how to create a Bill Paying Plan. This will show you what bills to pay when. This lesson will also discuss getting an allowance (like a lot of us had as children) and how this will help you to manage your spending.

Week Five

Wednesday - Lesson 09

This lesson will go to the heart of how to really use your Spending Plan with the Envelope System. It will examine what it is, how it works, and why it's superior to other methods of budgeting. All of the other lessons build up to this one.

Friday - Lesson 10

This lesson will look at the guts of the Envelope System and examine it in detail. This is the nitty-gritty, how-to lesson that pulls together everything you've done so far.

Week Six

Wednesday - Lesson 11

This lesson will discuss some temptations to overspending, including your personal spending weaknesses, keeping up with the Jones, housing and transportation issues, and teaching kids about money. If you're not careful, these things can pull you off track.

Friday - Lesson 12

This last lesson will look at why and how to save, and how to best use your savings account. It will explore stocks, bonds, mutual funds, retirement accounts, and saving for college. And you'll review your Wish List now that you've learned how to better handle your money. At the end of this lesson and this course, you'll be able to confidently answer the question "Where Does All My Money Go?" And you'll experience the freedom that comes from not worrying about money any more!

Buy the ExpertRating Online Debt Reduction Course - $129.99

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