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Adam Scotia Academy
Enrollment open · welcome cohort

Personal Finance Made Simple: Adam Scotia's free course

An introductory course, in plain language, to organize your bills, build a safety net, and create healthy money habits. Welcome opening cohort: the first 30,000 approved enrollments, from any country, receive the full course by email, free of charge. Lessons are short, captioned, and easy to follow at your own pace.

  • 6 short, plain-captioned modules
  • Downloadable spreadsheets and checklists
  • Digital certificate of completion (no official validity — learn more below)

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Person organizing finances with a calculator and spreadsheet

Highlights

The essentials of the course, no fuss.

Financial charts on a study desk
Start here

Organize your bills in 7 days

A simple method to map income, expenses, and priorities — with a ready-made spreadsheet.

See module 1
Professional studying at a computer
Habit

Build a buffer without strain

Realistic strategies to save a little each month, even on a tight budget.

See module 3
Paying by card at a terminal
Cards

Use credit mindfully

Understand statements, interest, and limits — and avoid the most common traps.

See module 4
Modern commercial building facade
Institutions

How banks and fees work

What to look at in accounts, packages, and fees before signing up for anything.

See module 2
Person using a finance app on a phone
Hands-on

Everyday digital tools

Apps and alerts that help you track spending effortlessly.

See module 5
Classroom with attentive students
Community

Study at your own pace

Short, captioned lessons to watch whenever and wherever you like.

Meet the method

Modules

The full syllabus of the introductory course.

Study notebook with notes
Module 1

X-ray of your finances

List income, fixed and variable expenses with the course spreadsheet.

Module details
Paying in a store by card
Module 2

Accounts, fees, and packages

Compare options and cut banking costs with confidence.

Module details
Spreadsheet with savings charts
Module 3

Peace-of-mind fund

Build your emergency fund step by step.

Module details
Tapping a card at a terminal
Module 4

Credit without surprises

Cards, credit lines, and loans explained.

Module details
Tracking spending on a phone
Module 5

Light money routine

A 20-minute weekly ritual to keep everything on track.

Module details
Handshake symbolizing agreement
Module 6

Your next-90-days plan

Set achievable goals and track your progress.

Module details

Who it's for

And who it isn't for — honestly.

Profile 1

Starting from zero

Never organized your bills and want a clear, gentle starting point.

Profile 2

Feeling squeezed at month-end

Want to understand where the money goes and take back control.

Profile 3

Students and young people

Foundational content for building good habits early.

Honest note

Not an advanced investing course

We don't teach stock trading, crypto, or leverage. This is foundational education.

Honest note

No income or job promises

The course organizes your financial life; results depend on each person.

Questions

Talk to the team

Write to us before enrolling if you need to.

Go to contact

How it works

From enrollment to certificate, free in the opening cohort.

Step 1

Fill out the form

Enter your name and email and tick the data-consent box.

Go to the form
Step 2

Wait for team review

Every enrollment is reviewed to prevent duplicates and bots. Average turnaround is up to 5 business days.

Step 3

Receive the course by email

Access arrives at the email you provided, with lessons, spreadsheets, and checklists.

Opening cohort

Why 30,000?

That's our team's review and support capacity in this welcome cycle. After that, we open a waitlist.

Support

Frequently asked questions

We've gathered the most common questions below.

Certificate

Described honestly, as it should be.

Included

Digital certificate of completion

Everyone who finishes all 6 modules receives a free, named digital certificate.

Limits

No official validity

Not a diploma, technical, or university degree, and no guarantee of employment or income.

Verification

Verification code

Each certificate carries a code that can be verified by email with the team.

Learn

Frequently asked questions.

Is the course really free?

Yes. In the welcome opening cohort (first 30,000 approved enrollments), all content is free and sent by email. We never ask for a card or charge at any step.

When do I get access?

After you submit the form, our team reviews your enrollment within 5 business days and sends access to the email provided.

Do I need prior experience?

No. The course is introductory and uses plain language with everyday examples.

Do you promise earnings or a job?

No. This is a foundational money-organization course. Any ad or page promising that in our name is fake — please report it via the contact email.

How is my data handled?

We use your name and email only to manage your enrollment and send the course, as described in the Privacy Policy. You can request correction or deletion at any time.

Who can enroll?

Anyone, from any country. The welcome opening cohort covers the first 30,000 approved enrollments worldwide. After that, new sign-ups join a waitlist for upcoming cycles.

What if I'm not among the 30,000?

Your enrollment joins a waitlist for upcoming cycles, free of charge and with no obligation.

Have a question?

We have the answer

Help center

Want guidance?

Talk to the team

Contact us

Meet the method

Full, honest syllabus

View the course syllabus

Portrait of Adam Scotia, financial educatorEducational content created by Adam Scotia, financial educator and author of Personal Finance Made Simple. Contact: [email protected] · Toronto, ON — Canada · Independent educational project. Not a bank and not affiliated with Scotiabank or any financial institution.