Exercise: Test your knowledge
Task:
Go to: www.konsument.edu.pl and try the online trap simulator prepared by the OCCP. It’s great fun and learning in one. See if you can spot scams before it’s too late.
Finances at a New Address
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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.
Introduction
Reading
Financial beliefs and patterns
Reading
Exercise: Financial quotes
Reading
Exercise: The power of habits in personal finance
Reading
Emotions and money
Reading
Motivation and adaptation
Reading
Exercise: Find your financial "why?"
Reading
Prioritise your spending
Reading
Exercise: 'Need or Want'
Reading
Exercise: Purchasing Decisions
Reading
Exercise: Impulsive shopping
Reading
Financial planning and goal setting
Reading
Exercise: Setting financial goals
Reading
Summary
Reading
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.
Introduction
Reading
Personal and household budget management
Reading
Exercise: Home budget in questions
Reading
Where do you start?
Reading
Exercise: Monthly expenditure tracking sheet
Reading
A real-life story
Reading
Exercise: Finance detective
Reading
Income categories
Reading
Exercise: Your available sources of income
Reading
Expense categories
Reading
Exercise: Household expenses
Reading
Ways to run a household budget
Reading
Seasonality of the household budget
Reading
Planning your expenses
Reading
Unexpected expenses
Reading
Summary
Reading
Module 3 – Saving
You'll build saving habits, learn about safe ways to accumulate funds and principles of responsible borrowing to avoid costly traps.
Introduction
Reading
Financial Stability Steps
Reading
The importance of saving
Reading
Exercise: Planning savings goals
Reading
Savings strategies and habits
Reading
Exercise: Money thieves
Reading
Start not wasting
Reading
Exercise: Recalculate how much your small expenses are costing you
Reading
Simple and effective ways to save money
Reading
Different forms of saving
Reading
Exercise: Family Saving
Reading
Borrowing wisely - the basics
Reading
Avoiding financial traps
Reading
Exercise: Good or bad credit?
Reading
Exercise: Knowledge about Loans and Credit
Quiz
Exercise: Knowledge about Loans and Credit
Quiz
Exercise: Knowledge about Loans and Credit
Quiz
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.
Introduction
Reading
Basic financial institutions in Poland
Reading
Bank and account selection
Reading
Exercise: Comparison of banks
Reading
How to open a bank account?
Reading
Use of basic banking services
Reading
Basic financial institutions
Reading
Basic insurance
Reading
Security in electronic banking
Reading
Exercise: How to recognize a fake e-mail from a bank?
Reading
Consumer rights in the financial market
Reading
Avoiding financial traps
Reading
Financial market specializations
Reading
Summary
Reading
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.
Introduction
Reading
Online and mobile banking
Reading
Exercise: Consciously use online banking
Reading
Exercise: secure password
Reading
Exercise: mobile hotspot
Reading
Cashless payments in Poland
Reading
Exercise: BLIK in practice
Reading
How to protect your financial data
Reading
Exercise: Recognize a fake message
Reading
Typical scams and how to defend against them
Reading
Exercise: Recognize a BLIK scam
Reading
Safe online shopping
Reading
Exercise: Check the security of your store
Reading
Securing your computer and smartphone
Reading
Exercise: Test your knowledge
Reading
Exercise: Stay up to date
Reading
Phone scams: A true story
Reading
Data protection and RODO
Reading
Financial security in a digital world
Reading
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