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: Financial quotes

Instruction:

  1. Read the quotes:
    Familiarize yourself with various quotes about money.
  2. Choose the ones that are closest to you:
    Select 2-3 quotes that speak most to you.
  3. Think about why:
    Think about how you feel when reading them and whether they reflect your experiences.
  4. Invite your family:
    If you feel like it, invite family or friends to read and discuss the quotes together. This is a great way to understand each other and talk openly about finances.


Remember that this exercise is for your development. There are no wrong answers.

Quotes:

Rule No. 1: Never lose money.
Rule No. 2: Always remember rule No. 1.

Warren Buffett

Only a man who is frugal and respects money can sleep soundly and think realistically about financial freedom.

Author unknown

Making a fortune requires a lot of boldness and a huge amount of attention. And maintaining it ten times as much.

Nathan Mayer Rothschild

You don’t have to be rich to start, but you do have to start to be rich.

Author unknown

Knowledge alone is not enough, you still have to know how to apply it.

Johann W. Goethe

To have money is to not spend it.

Author unknown

Never rely on a single income. Invest in yourself with the intention of creating a second source, then a third, then a fourth.

Warren Buffett

The habit of money management is more important than the amount of money you have.

T. Harv Eker

No one would remember the Good Samaritan if he only had good intentions. To make history, he also had to have money.

Margaret Thatcher

If one does not know which port he wants to sail into, no wind favors him.

Seneca

Money does not give happiness, but everyone wants to find out for themselves.

S. Kisielewski


With money you can have a watch, but not time. With money you can have a building, but not a house. With money you can have sex, but not love. With money one can have medicine, but not health. With money one can have authority but not respect (…). In a word, with money one can have… but not be.

K. Grochola

Some people are so poor that all they have is money.

Bob Marley

Apart from air, earth, water and fire, money is the fifth natural force with which man most often has to reckon.

Author unknown

There is no such thing as public money. If the government says it’s going to give someone something, it means it’s going to take from you, because the government has none of its own.

Margaret Thatcher

When wanting to acquire wealth, in the broader sense, find something you love to do. Then find a way to make money from it.

Steve Grounds

Money has no meaning, but only when you have it.

Michał Wawrzyniak

There is only one group of people who think more about money than the rich, and that is the poor.

Oscar Wilde

If you are born poor, it is not your fault, but if you die poor, it is your fault.

Bill Gates

Not having money is not shameful, it’s just inconvenient.

Marcin Iwuć

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