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: Setting financial goals

Short-term financial goals

Short-term goals should be set in months and should take up to one year to achieve. Short-term goals provide immediate feedback and satisfaction.

Write two short-term financial goals that you can achieve over the next 12 months.

Example

Here are examples of short-term financial goals:

  • I will open a savings account and deposit £500 every month until June 2026.
  • I will deposit £300 into my new savings account from each paycheck, starting the following month for 12 months.

Medium-term financial goals

Medium-term goals should usually be achievable within 1 to 2 years. They require planning and consideration in the household budget.

Write two medium-term financial goals that you can achieve in 1 to 2 years.

Example

Here are examples of medium-term financial goals:

  • By the end of October 2026, I will have accumulated £5,000 in my targeted savings account.
  • In autumn 2026, I will carry out a kitchen refurbishment from the £12,000 set aside.

Long-term financial goals

Long-term financial goals can take years to achieve. These include saving money to buy a home, a child’s education or retirement. They can also include paying off a car loan, a consolidation loan.

Write down two long-term financial goals that you want to realize, their realization should take between 2 and 5 years.

Example

The following are examples of long-term goals:

  • In three years from today….(insert date), I will have set aside 120 000 for an own contribution towards the purchase of a flat for investment purposes.
  • In 24 months from today, I will purchase a plot of land for the construction of a holiday home for rent with cash (PLN 120 thou.).
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