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

Summary

Positive financial habits

  • Monitor your finances – Regularly review your income and expenditure to know where your money is going.
  • Review your bank statement – Carefully analyse your bank statements and transaction history to catch any anomalies and identify areas to save.
  • Schedule a specific time to deal with your money – Set a fixed time each week or month to review your budget, plan your spending and manage your savings.
  • Automate saving – Set up automatic transfers to a savings account as soon as you receive your paycheck to regularly put money away effortlessly.
  • Plan a no-spend day – Once a week or month, try not to spend any money at all, which will help you become more aware of your habits and find alternative ways to spend your time.
  • Don’t go out shopping without a list – Always prepare a list of the products you need and stick to it when shopping to avoid impulsive and unplanned spending.
  • Less is more – Consider whether you really need more things; often having fewer items but of higher quality brings more satisfaction and savings.
  • Be assertive and systematic – Consciously say no to unnecessary spending and stick consistently to your financial plans, building healthy and sustainable habits.

How to stay financially motivated:

  1. Make personal finance your interest – Actively seek knowledge and engage in managing your money, treating it as an expanding hobby, not just a chore
  2. Set realistic financial goals – small steps – Set specific, achievable goals that will motivate you to take action. Break larger goals into smaller, more manageable steps
  3. Create a visualisation of your goal – Use photos, graphics or tables to make it clear to yourself what you are aiming for. Put them in a prominent place to remind you of your financial aspirations every day
  4. Tell friends about your plans – Share your goals with people you trust. Their support and awareness of your commitments can further motivate and mobilise you
  5. Monitor your progress – Regularly check how close you are to achieving your goals. Seeing your progress is a powerful source of motivation
  6. Make adjustments – Be flexible and adapt your financial plans to changing life circumstances. Analyse what is working and what needs to be changed and make the necessary adjustments
  7. Involve loved ones – Talk about finances with your family and include them in the process of planning and achieving shared goals. Working together can strengthen mutual support and discipline
  8. Deepen your financial knowledge – Continuously learn and expand your financial competence. The more you know, the more confident and effective you will be in managing your money
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