Lesson series (CAD003)

Financial Independence

This guide provides both short and long-term solutions to transform money into a positive influence and examines how money impacts our daily decisions.
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Course Information


This is an information & Awareness Course


A stable internet is required for parts of this course


This course is presented in English

Skill Level

All skill levels 

Flag Classification

Not Required



Course Description

The objective of this guide is to provide cadets with a comprehensive understanding of how financial considerations significantly influence their daily decisions. This course offers fundamental insights into creating budgets aligned with their income. It also covers what cadets are entitled to throughout their cadetship and provides guidance on preparing finances for sea phases.

Course Sections

  • Basic principles of personal finances

  • Develop a basic budget planner

  • Understand forecasting based against various phases

  • Spending habits - net effect

  • Financial assistance - entitlements

  • Setting financial goals

Learning Objectives

Learning Objective 1

A good understanding how to manage personal finances

Learning Objective 2

A basic understanding of developing budgets and understanding spending habits

Learning Objective 3

Set forecasts to cover a cadetship period based on various phases

Learning Objective 4

An overview of how money affects day to day decisions

Learning Objective 5

A good understanding of the various entitlements throughout a cadetship

Learning Objective 6

A good understanding of the types of salary expectations throughout a maritime career

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