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: Your available sources of income

Exercise objective:

To improve your knowledge of your available sources of income. Often, adults base their budget on one or few sources of income, and they do not consider receipts such as gifts or tax refunds as income at all and spend them in an unplanned way, often on impulsive purchases.

Instruction:

Enter below all the ways you can legally earn or receive money – the more ideas, the better. We encourage you to think outside the box. Think about how your relatives, friends, neighbours in Poland or friends in another country earn money.

What have you done before to earn money?

My ideas for sources of income:

  1. ……………………………………………
  2. ……………………………………………
  3. ……………………………………………
  4. ……………………………………………
  5. ……………………………………………
  6. ……………………………………………
  7. ……………………………………………
  8. ……………………………………………
  9. ……………………………………………
  10. ……………………………………………

Feel free to compare the list with the following options:

  1. Salary for work:
    • Permanent (employment contract)
    • Casual (contract of mandate, contract of specific work, hourly work)
  2. Social benefits/benefits:
    • E.g. 800+ , family allowance, permanent allowance, periodical allowance, special purpose allowance (paid by Social Assistance Centres).
    • Housing allowances, energy allowances.
    • Scholarships (e.g. scientific, social).
  3. Income from own activity:
    • Running a small business, sole proprietorship
  4. Rental income:
    • Renting a flat, room, garage, other property.
  5. Interest on savings:
    • Money earned on bank deposits, savings accounts.
  6. Investment income:
    • E.g. gold, silver, coins, shares, bonds (for the more advanced).
  7. Gifts from family or friends:
    • Money received on the occasion of birthdays, holidays, weddings.
  8. Inheritance:
    • Money or property inherited.
  9. Pension, retirement:
    • Regular benefits due to incapacity or on reaching retirement age.
  10. Task/seasonal work:
    • Small assignments, seasonal work (e.g. fruit picking, catering work during the summer season).
  11. Earning online:
    • E.g. blogging, YouTube channel, Instagram (if it generates income from advertising, collaborations)
    • Selling handicrafts online (e.g. local portals)
    • Selling unnecessary things (e.g. “garage sale”, selling clothes on Vinted, OLX, Allegro)
  12. Tax refunds:
    • Overpayment of income tax (received once a year)

This exercise combines with next exercise, which will be discussed in the next lesson. We recommend doing them together to experience the whole process of learning to categories income and expenditure.

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