Course Content
Module 1 – Psychology of Finance
This module teaches why we make certain financial decisions — and how to change them: from beliefs and emotions, through motivation, to goals and spending priorities.
0/14
Introduction
Financial beliefs and patterns
Exercise: Financial quotes
Exercise: The power of habits in personal finance
Emotions and money
Motivation and adaptation
Exercise: Find your financial “why?”
Prioritise your spending
Exercise: ‘Need or Want’
Exercise: Purchasing Decisions
Exercise: Impulsive shopping
Financial planning and goal setting
Exercise: Setting financial goals
Summary
Module 2 – Household Budget under Control
Learn proven techniques for managing a household budget in Polish conditions. You'll learn to track income and expenses, use spreadsheets and apps, plan seasonal costs, and build an emergency fund – without jargon, but with concrete templates and exercises.
0/16
Introduction
Personal and household budget management
Exercise: Home budget in questions
Where do you start?
Exercise: Monthly expenditure tracking sheet
A real-life story
Exercise: Finance detective
Income categories
Exercise: Your available sources of income
Expense categories
Exercise: Household expenses
Ways to run a household budget
Seasonality of the household budget
Planning your expenses
Unexpected expenses
Summary
Module 3 – Saving
You'll build saving habits, learn about safe ways to accumulate funds and principles of responsible borrowing to avoid costly traps.
0/15
Introduction
Financial Stability Steps
The importance of saving
Exercise: Planning savings goals
Savings strategies and habits
Exercise: Money thieves
Start not wasting
Exercise: Recalculate how much your small expenses are costing you
Simple and effective ways to save money
Different forms of saving
Exercise: Family Saving
Borrowing wisely – the basics
Avoiding financial traps
Exercise: Good or bad credit?
Exercise: Knowledge about Loans and Credit
Module 4 – Basic Institutions
You'll learn about basic financial institutions and products in Poland, as well as the most important consumer rights, so you can use services safely and consciously.
0/14
Introduction
Basic financial institutions in Poland
Bank and account selection
Exercise: Comparison of banks
How to open a bank account?
Use of basic banking services
Basic financial institutions
Basic insurance
Security in electronic banking
Exercise: How to recognize a fake e-mail from a bank?
Consumer rights in the financial market
Avoiding financial traps
Financial market specializations
Summary
Module 5 – Finance in the Digital World
You'll learn to safely use online and mobile banking, cashless payments (card, BLIK, wallets), and recognize online scams.
0/19
Introduction
Online and mobile banking
Exercise: Consciously use online banking
Exercise: secure password
Exercise: mobile hotspot
Cashless payments in Poland
Exercise: BLIK in practice
How to protect your financial data
Exercise: Recognize a fake message
Typical scams and how to defend against them
Exercise: Recognize a BLIK scam
Safe online shopping
Exercise: Check the security of your store
Securing your computer and smartphone
Exercise: Test your knowledge
Exercise: Stay up to date
Phone scams: A true story
Data protection and RODO
Financial security in a digital world
Finances at a New Address

Exercise: Purchasing Decisions

How to do the exercise:

This exercise is designed to help us look at how we make purchasing decisions and whether they are always conscious. Below you will find questions that you can answer in your mind or note down your reflections. There are no right or wrong answers here – simply an opportunity to better understand your own habits.

Please answer the following questions by reflecting on your behaviours.

Questions:

  1. Do you find yourself going into a shop for a particular product and leaving with others that you had not planned to buy?
  2. Do you buy groceries without paying attention to prices?
  3. Do you do your grocery shopping without a list and buy whatever comes to hand?
  4. Do you buy groceries without checking the best-before date?
  5. Do you go shopping just because you are bored or want to make yourself feel better?
  6. Do you buy products just because they were recommended by a colleague?
  7. Even though you don’t have money in your bank account, do you find it hard to say no to purchases and go into credit card debt?
  8. Do you happen to buy a product or service under the charm of a salesperson?
  9. Do you buy a product online just because you got an email from a retailer telling you about a “special promotion”, “discount code” or “sale”?
  10. When you buy a product or service, do you think it will make you look better in front of your family or friends?
  11. When you see a repeated advertisement on the internet, do you start to think that this product is made especially for you and make a purchase?
  12. Do you buy products just because they are advertised by influencers on social media?

Reflection

If the answer to any of the above questions was yes, it could be a signal that you are not always in full control of your purchasing decisions.

This is a great time to reflect on your shopping habits and, if you feel the need to do so, start making changes to help you make more informed and beneficial decisions for your finances. Remember that everyone has the right to make mistakes and learn – the important thing is to keep moving forward!

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