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: Impulsive shopping


Does it happen to you that, when you return from the shop or after reviewing your bank transaction history, you wonder: “Why did I buy/buy this?”. This is a sign that impulsive purchases may have caught up with you. Often these are small, unplanned expenditures that seemingly do not weigh heavily on the budget, but on a monthly or annual basis can amount to a significant sum. Such spontaneous purchasing decisions are sometimes driven by emotions, promotions or simply a momentary craving, and the consequence is that you melt your money down on things you often don’t need at all.

How to do the exercise:

Becoming aware of what you most often buy impulsively is the first step to taking control of your finances. Through this exercise, you will gain awareness of your habits and be able to deliberately work on changing them. It’s not about eliminating all spontaneous pleasures altogether, but it is about you deciding about your money, not them deciding about you.

Start by making a list of 10 things you happen to buy impulsively. Think about the small pleasures, eating out, gadgets, clothes or services that appear in your basket without any prior planning. Then, check this list once a month to track whether you continue to give in to the same temptations. You will notice which impulses you let go of and which ones still need your attention.

Example:

  1. Coffee to go — trigger: tiredness; substitute: coffee from a thermos; rule: ‘if I want to buy coffee, I wait 10 minutes and check my thermos’.
  2. Snacks/sweets at the checkout — hunger/boredom; snack from home; “water and a snack from the list first”.
  3. Food delivery (Glovo/Uber Eats) — lack of time/energy; meal plan/frozen food; ‘before I order, I check the plan’.
  4. Small purchases at the chemist’s (e.g. 2+2) — special offers; list of necessities; ‘I only buy what’s on the list’.
  5. Clothes from sales/fast fashion — newsletters/sales; list of missing items; ‘48 hours before purchase’.
  6. Subscriptions and paid apps — FOMO/referrals; ‘one in, one out’; monthly review.
  7. Taxis instead of public transport — rush/weather; leave 10 minutes earlier; ‘I always check the public transport timetable’.
  8. Electronic gadgets/accessories — new products/reviews; 7-day wish list; ‘I will only buy after 7 days’.
  9. In-app purchases (games, add-ons) — boredom/micro-rewards; weekly limit/block; ‘I’m closing the shop, I’ll be back tomorrow’.
  10. Home decorations/accessories — attractive display; ‘I’ll give one thing away first’; ‘I’ll buy after 48 hours’
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