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 security in a digital world

Below is a list of key principles and actions that will help you take care of your financial security in the digital world. Review it and make sure you have mastered all the points in this section.

Checklist

1

Secure online and mobile banking

  • I use a strong and unique password for my bank account.
  • I never share my password with anyone, including bank employees or police.
  • I only log in to the bank’s official website, checking that the URL starts with https:// and has a padlock symbol.
  • I avoid logging into the bank on public Wi-Fi networks.
  • I have two-factor authentication (2FA) enabled in my banking application.
  • I download the mobile app only from official stores (Google Play, App Store).
2

Secure cashless payments

  • I remember the PIN to the card by heart and never write it down.
  • I cover the keypad when entering my PIN at the terminal.
  • I never give my BLIK code to anyone over the phone, SMS, or on social media.
  • I verify requests for money from friends by calling them.
  • I know that I don’t have to give any data (card number, CVV/CVC code, etc.) in order to collect the money for the sold item.
3

Recognizing and avoiding fraud

  • I can recognize phishing by checking the email address, links and quality of language in the message.
  • I don’t click on suspicious links in e-mails and text messages, especially those about parcel surcharges or account problems.
  • I verify the status of the shipment in the official app of the courier, not through links from SMS.
  • I know that real institutions never ask for sensitive data (passwords, BLIK codes) over the phone.
  • I report suspicious incidents to CERT Poland.
4

Safe online shopping

  • I check the credibility of the store (company data, terms and conditions, online reviews).
  • I use secure online payment methods (BLIK, PayU, PayPal).
  • I check that the store’s address starts with https:// and has a padlock symbol.
  • I don’t give out bank card details via email, chat or SMS.
  • I use a different, unique password for online store accounts than for banking.
5

Data protection and device security

  • I have antivirus installed and active on my computer and smartphone.
  • I regularly update the software on all my devices.
  • I know what RODO is and what rights I have regarding my personal data (right of access, deletion).
  • I am careful with what I share online.
  • I log out of my accounts when I finish using banking or other important services.

If you can answer yes to all points, it means you know how to effectively protect yourself in the digital world. Remember that vigilance and education are your best tools

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