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

Introduction

This module will introduce you to the world of basic financial institutions in Poland and the most important financial products. We will also discuss basic consumer rights in the context of financial services.

This module aims to increase the financial awareness of participants, equipping them with the knowledge necessary to use basic financial services safely and effectively, with particular emphasis on protecting their rights as consumers.

Topics:

  • Basic financial institutions in Poland:
    We will explain the differences between banks, SKOKs and savings banks, as well as how to safely choose the right financial institution, paying attention to fees and availability of services. In addition, you will learn how to open an account in Poland, what documents are needed and how to safely use basic banking services such as deposits, withdrawals and transfers.
  • Basic financial institutions in Poland:
    We will explain the differences between banks, SKOKs and savings banks, as well as how to safely choose the right financial institution, paying attention to fees and availability of services. In addition, you will learn how to open an account in Poland, what documents are needed and how to safely use basic banking services such as deposits, withdrawals and transfers.
  • Basic consumer rights in the financial market:
    We will explain your rights as a consumer, including the right to be fully informed about contracts, to withdraw from them and to complain if there are problems. You will also learn how your personal information is protected and where to seek help in case of disputes with financial institutions.
  • Avoiding financial traps:
    We will give you tips on how to recognize and avoid risky loans, such as payday loans, in order to protect yourself from over-indebtedness.

This module is designed specifically for you to understand and safely use the basic financial services available. We’ll start by explaining how different institutions differ, how to open a bank account, how to use payment cards, and discuss your rights as a consumer. This is the key to managing your money safely and consciously. Get started!

Previous
Next