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

Financial Stability Steps

The steps to financial stability are a set of actions and strategies to build a solid financial foundation that provides security and comfort in daily life, as well as the ability to achieve long-term goals.

Key steps to financial stability:

Below are the key steps and actions to help you achieve financial stability:

1

Assess your current financial situation and set goals

Before you can change anything, you need to know where you are financially. This includes:

  • Analysing your income and expenditure: Carefully tracking where money is coming from and what it is being spent on. This allows you to identify areas where you can save.
  • Writing down all liabilities: Determining how much money you have to give and to whom.
  • Setting financial goals: Identifying what you want to achieve (e.g. paying off debts, buying a home, saving for retirement). Goals should be SMART (Specific, Measurable, Achievable, Relevant, Time-bound).
2

Create and stick to a budget

A budget is a plan for managing money. It helps you control your spending and consciously allocate your funds for the following months.

  • Categorising expenses: Dividing expenses into fixed (rent, credit, bills) and variable (food, entertainment, transport).
  • Spending planning: Allocating specific amounts to each category so as not to exceed income.
  • Regular monitoring: Checking that you are sticking to your budget and making adjustments where necessary.
3

Paying off debts (especially expensive ones)

Debts, especially high-interest ones (e.g. credit cards), can make it much more difficult to achieve financial stability.

  • Snowball or avalanche method: Choosing a debt repayment strategy (e.g. paying off the smallest debt first for motivation, or the debt with the highest interest rate first for savings).
  • Avoiding new debts: Focusing on eliminating current debts before incurring new ones.
4

Building a financial safety fund

This fund is savings set aside for unforeseen expenses (job loss, sudden illness, loss of earning capacity).

  • Goal: To accumulate enough to cover 3-6 months of basic household expenses.
  • Availability: Funds should be easily accessible, but at the same time not tied to daily expenses (e.g. in a separate savings account).
5

Investing and multiplying capital

Once you have a stable foundation, you can start thinking about multiplying your money.

  • Financial education: Understanding different investment options (e.g. stocks, bonds, mutual funds, real estate).
  • Diversification: Spreading investments across different assets to reduce risk.
  • Long-term thinking: Investing with the future in mind rather than for quick gains.
6

Asset protection and insurance

Safeguarding yourself and your assets against unforeseen events.

  • Insurance: Consider life, health, property or car insurance to protect against large financial losses
  • Wills and succession planning: Ensuring that your assets are distributed according to your will.
Previous
Next