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

Exercise: Recognize a BLIK scam

Imagine you are selling something on Vinted. You received a message: “Hi, I’d love to buy! I paid through InPost courier service. Click on the link to accept the payment: inpost-przesylki.pl/confirm-transfer.”

  • What are the elements of this message that should arouse your suspicions?
  • What should I/should I do in such a situation?

“Fake SMS” scam

Scammers send you SMS messages that impersonate courier companies (InPost, DPD), telecommunications companies (Play, T-Mobile), or banks.

Typical scenarios:

  • Fake SMS from “InPost”: You get a message that the package is waiting for a surcharge of several zlotys. In the SMS is a link. When you go to the link, you are taken to a fake page that asks you to enter your bank card details. This is how scammers steal your data.
  • Fake SMS from “bank”: You get a message saying you must click on a link to update your information because your account will be blocked. This also takes you to a fake site.

How to protect yourself?

  1. Don’t click on links from text messages you don’t expect
  2. If you get a text message about a parcel surcharge, check the status of the parcel in the official app or on the courier’s website by entering the parcel number
  3. Remember, the bank never asks for login or card details via SMS

What to do if you suspect fraud?

  1. Don’t click on any links!
  2. Do not give out your data or passwords.
  3. Report the incident to CERT Polska (Computer Emergency Response Team) at: https://incydent.cert.pl/.
  4. If in doubt, call your bank’s official hotline or the police emergency number 112.

Remember, everyone has the right to make a decision at their own pace. If someone pressures you, claiming that “the opportunity will not be repeated,” it is most likely an attempt at fraud.

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