Personal Finance from Zero: Argentina Edition
Free personal finance course for Argentina. Learn banking, budgeting, saving, credit, investing, and taxes with the BCRA, AFIP, UVA, and the peso.
Whether you have never opened a caja de ahorro or simply want to understand where your pesos go each month, this course is for you. We start from absolute zero and build your financial knowledge step by step, with real examples from the Argentine financial system — a system shaped by chronic inflation, a strong dollar culture, and a fast-moving world of billeteras virtuales.
By the end of this course, you will understand how the banking system and the Banco Central (BCRA) work, how to build a budget that survives rising prices, how to protect your savings from inflation, how to manage credit and debt under high interest rates, how to invest through instruments like plazos fijos UVA, FCI, and CEDEARs, and how taxes work under AFIP — all within the reality of living in Argentina.
Money and Banking Fundamentals for Beginners
Understand how money works, how banks operate and earn profit, and how the Argentine banking system is structured and regulated by the BCRA.
What Is Money? Inflation and the Argentine Peso
Learn what money is, why inflation erodes the Argentine peso, how the BCRA manages monetary policy, and how the UVA protects purchasing power.
How Banks Work in Argentina: Spread and Fees
Learn how Argentine banks earn profit from your deposits, how the spread and BCRA rate shape lending, plazos and prestamos, and the SEDESA guarantee.
Argentine Banking: BCRA, Banks, CBU and CVU
Learn how Argentina's banking system works: the BCRA, the main banks, CBU vs CVU vs alias, caja de ahorro accounts, and billeteras virtuales.
Bank Accounts in Argentina: Caja, CBU, Fees
Understand caja de ahorro, cuenta corriente, dollar accounts, and cuenta sueldo in Argentina, plus CBU, CVU, alias, and how to avoid account fees.
Neobanks in Argentina: Digital Wallets Guide
Compare Argentina's top billeteras virtuales and neobanks — Mercado Pago, Ualá, Brubank, Naranja X — plus rendimientos, QR, and Transferencias 3.0.
Budgeting and Expense Control Made Simple
Master practical budgeting methods, learn to track every peso, and take control of your spending with tools adapted for Argentine finances.
Why Budgeting Matters Amid High Inflation
Discover why budgeting is essential in Argentina, how to protect purchasing power when prices rise monthly, and how households can plan around inflation.
Budgeting Methods for High-Inflation Times
Compare 50/30/20, zero-based, and envelope budgeting adapted to Argentine inflation and variable income, with examples in pesos and dollars.
Expense Tracking Tools That Actually Work
Set up a sustainable expense tracking system in Argentina using billetera statements, bank apps, spreadsheets, and Finthy's automatic categorization.
Building Savings That Protect Your Future
Develop a savings habit, build your emergency fund, and explore Argentine savings vehicles like plazo fijo UVA, dollars, and money market funds.
The Habit of Saving When Inflation Bites
Build a saving habit in Argentina where idle pesos lose value. Use pay-yourself-first, automation, and park savings so inflation cannot erode them.
Emergency Fund in a High-Inflation Economy
Build an emergency fund in Argentina that does not erode: how big it should be, and where to hold it — FCI money market, plazo fijo, and partial dollars.
Savings Options in Argentina: Beat Inflation
Protect your money from inflation in Argentina: plazo fijo and plazo fijo UVA, dólar MEP, FCI money market, dollar accounts, and billetera yields.
Credit and Debt Management in Argentina Today
Understand your credit history, use tarjetas wisely, manage debt, and learn about consumer, UVA, and mortgage loans in Argentina.
Understanding Credit, Veraz and Scoring
Learn how credit works in Argentina: the BCRA Central de Deudores, Veraz and Nosis, CFT vs TNA, and how lenders score you. Build and protect your credit.
Credit Cards in Argentina: Cuotas, CFT
Master Argentine credit cards: cuotas and cuotas sin interes promos, the minimum payment trap, CFT vs TNA, and how to choose a card and avoid debt.
Debt Management: Escape Debt in Argentina
Manage and escape debt in Argentina: refinanciacion, prioritizing high-CFT debt, the avalanche and snowball methods, and how inflation erodes what you owe.
Loans in Argentina: Personal, UVA, and Cards
Understand borrowing in Argentina: préstamos personales, tarjetas de crédito, créditos UVA, prendarios, the CFT, and how inflation shapes loan costs.
Investing and Growing Wealth in Argentina Today
Learn investing fundamentals, explore Argentine options like FCI, CEDEARs, and bonos, open a comitente account, and understand AFIP taxes.
Investing Basics: Grow Money in Argentina
Learn investing fundamentals for Argentines: risk vs. return, opening a cuenta comitente with an ALyC, and why investing beats saving under inflation.
Investment Options in Argentina: CEDEARs, FCI
Explore Argentine investments: FCI funds, bonos, CER-linked bonds, CEDEARs, BYMA stocks, Obligaciones Negociables, crypto, and opening a broker account.
Retirement Planning: ANSES and Your Future
Understand Argentina's public reparto pension via ANSES and SIPA, why the jubilación alone is rarely enough, and how to build your own retirement.
Argentina Taxes: AFIP, Monotributo, Ganancias
Understand Argentina's tax system: AFIP/ARCA, CUIT and CUIL, Monotributo vs Régimen General, Ganancias, IVA, Bienes Personales, and provincial taxes.
Intermediate Financial Planning
Take your finances further with insurance, renting vs buying, tax optimization, Monotributo income, and long-term goal setting in Argentina.
Insurance Essentials: Protecting Your Money
Understand insurance in Argentina: obligatory auto coverage, hogar and vida, ART, and the obra social vs prepaga health choice, with major insurers.
Renting vs Buying a Home in Argentina
Compare renting and buying in Argentina: the Ley de Alquileres volatility, dollar contracts, the créditos UVA controversy, and USD cash purchases.
Tax Optimization Strategies in Argentina
Legally optimize taxes in Argentina: manage your Monotributo category, plan Bienes Personales, claim Ganancias deductions, and stay AFIP/ARCA compliant.
Side Income and Freelancing in Argentina
Build side income in Argentina: register as Monotributista, invoice clients, charge abroad in dollars, and manage irregular income under inflation.
Financial Goal Setting in Argentina
Set financial goals that survive inflation: denominate them in stable units like USD or UVA and plan short, medium, and long horizons.
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