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

Data protection and RODO

Your personal information, such as your name, address, phone number or PESEL, is as valuable as your money. Their theft can lead to serious consequences, including extortion of credit against your data. That’s why it’s so important to know how to protect them.

What is RODO?

RODO (the Personal Data Protection Regulation) is an EU law designed to protect your personal data. It gives you more control over how companies and institutions process your information.

Basic RODO principles you need to know:

Consent to data processing

The company can process your data only if you give your free and informed consent.

Right to be forgotten

You have the right to request the removal of your personal data from the company’s database if it is no longer needed.

The right to access data

You can at any time request information about what data your company has and for what purpose it processes it.

Limitation of data processing

The company should only collect data that is necessary to provide a specific service.

How do you protect your personal information?

  • Be careful about what you share online. Avoid giving out sensitive information in public forums and on social media.
  • Read the privacy policy. Whenever you create an account on a new site, read its privacy policy.
  • Pay attention to marketing consents. Make sure you only mark the ones you agree to.
  • Regularly check the privacy settings on your social media accounts and other sites.

Where to look for further help:

Identification of reliable sources

  • CERT Poland (Computer Emergency Response Team):
    This is the institution that responds to cyber security incidents in Poland. You can report suspicious messages or sites to them at https://incydent.cert.pl/.
  • National Bank of Poland (NBP):
    On the NBP website you will find many guides and educational materials on finance and security.
  • Financial Supervisory Commission (KNF):
    KNF oversees the financial market in Poland. Their website includes warnings against fraudsters and a list of legitimate financial institutions.
  • Office of Competition and Consumer Protection (OCCP):
    The OCCP protects consumer rights, including in the digital world. On their website you will find, among other things, an online scam simulator.
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