A step-by-step guide to preparing your finances for homeownership

What You Will Learn

After completing the financial essentials online course, you will be able to:

  • EVALUATE and IMPLEMENT an effective personal and household spending plan
  • DESIGN a savings plan that works for your household finances
  • IDENTIFY the most important credit score factors to help you build (or rebuild) your credit rating
  • COMPARE and CONTRAST your debt relief options given your personal and household debts.

Money Fit's Story

Since 1996, Money Fit by DRS has helped hundreds of thousands of American consumers rescue their finances through budgeting, credit counseling, and debt management programs.

Tens of thousands of others from around the country and the world have successfully gone through our educational workshops and webinars and visited our educators and counselors at community events.

Earning Your Certificate of Completion

By following the steps through the course, you can master your credit report and score. Whether you would like to know the difference between a credit report and a credit score, or you are looking for specific steps to follow for rebuilding your credit rating, this course is for you.

To move from one module to the next, you will need to view each lesson and then successfully completing the module quiz with a score of 80% or better (4 out of 5). Once you have gone through all three modules and successfully passed the quizzes, you will receive a certificate of completion.


  • How long does the course take?
  • Most learners will need between 45 and 60 minutes to complete. Some may finish in as little as 30 minutes while others may take hours. There are no minimum or maximum time limits.
  • Can I take a break?
  • You can take as many breaks as you like. If you get logged off, you can log back in and pick up where you left off.
  • Do I need speakers?
  • The course includes multiple videos. You will benefit from speakers or earphones.
  • Is there a passing grade?
  • To successfully complete a chapter quiz, you will need to get four out of the five answers correct.
  • If I don't pass a quiz, can I retake it?
  • Absolutely. You can retake each quiz dozens of times.

About the Course Creator

Todd Christensen is an award-winning financial educator who joined Money Fit back in 2004. He authored Everyday Money for Everyday People in 2014 and 50+ on FIRE in 2021.

His expertise and passion have been recognized with awards from the Association for Financial Counseling and Planning Education, Idaho Book Awards, and Junior Achievement.