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: Money thieves

Instruction:

Below is a list of potential “money thieves”. Tick the ones that apply to you. The next time you pay for a marked item, ask yourself: do I really need this?

Money thieves are those that often escape our attention because they are not large, one-off amounts, but rather small, regular sums that add up to significant amounts over time. They can also be costs resulting from our habits, inattention or peer pressure, which do not always make our lives more comfortable or are not really necessary for us. This is money that ‘leaks’ out of our budget unnoticed, often under the influence of emotion or lack of awareness.

List of ‘money thieves’:

  1. Clothes
  2. Promotions (or buying only because of a promotion)
  3. Free gifts
  4. Dietary supplements
  5. Wasting food
  6. Subscriptions (e.g. streaming platforms)
  7. Bundles – combining services
  8. Gym or pool passes we don’t use
  9. Advertisements
  10. Attempts to impress others
  11. Speeding or parking tickets
  12. Attempts to imitate celebrities and influencers
  13. Shopping in second-hand shops (if done impulsively)
  14. Having multiple loyalty cards (if they lead to excessive purchases)
  15. Shopping presentations
  16. Promotional campaigns
  17. Cosmetics
  18. Purchasing similar products (e.g. power tools)
  19. Hobbies when we spend too much (e.g. running gear)
  20. Goods stacked at the checkout (e.g. chocolates, candy bars, gum, batteries)
  21. Scented candles for the home
  22. Decorations for the home
  23. Bank charges
  24. Stimulants
  25. Carelessness
  26. Uneconomical driving
  27. Telephone subscriptions
  28. Coffee out on the town
  29. Leaking tap
  30. Light on
  31. Heating when the window is open
  32. Sweets
  33. Fast-food
  34. Guided by product packaging
  35. Frequent visits to the shop
  36. Addictions
  37. Books, magazines, journals that we do not read
  38. Gambling
  39. Games (e.g. lotto)
  40. Betting
  41. Interest
  42. Family support (if it becomes a financial burden without assertiveness)
  43. Lack of consumer assertiveness
  44. Sales TV channels
  45. Shops offering low-priced products (e.g. convenience stores, discount shops with a variety of products)
  46. Vending machines for children
  47. Paid applications
  48. Not terminating contracts on time
  49. Buying too much
  50. Shopping without a list, shopping when hungry
  51. Wastefulness
  52. Unconsidered purchases
  53. Gadgets
  54. Buying things and not using them
  55. Mismanagement

Previous
Next