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

Borrowing wisely – the basics

Borrowing money should always be thoughtful. Remember that every debt is a liability that you have to repay, usually with interest.

When and why to consider borrowing carefully:

  • Emergencies: Borrowing should be a last resort when your financial cushion is insufficient.
  • High costs: Always check carefully how much you will ultimately have to pay back. Pay attention to the APR (Annual Percentage Rate of Charge), which includes all the costs of the loan.

Safe forms of borrowing:

  • From family/friends: This is the safest way, but requires clear rules. Put the agreement in writing, specifying the amount, term and method of repayment to avoid misunderstandings.
  • At the bank: This is the legal and legally regulated way. Banks check your creditworthiness carefully, which protects you from taking on too much debt.
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