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

Safe online shopping

Shopping online is very convenient, but it comes with some risks. In this section, you will learn how to avoid scams when shopping online.

Online shopping is a huge convenience, often offering lower prices and more choice. However, it’s worth being vigilant and following a few important rules to avoid scams.

Rules for safe shopping

Check the credibility of the store:

Before you make a purchase, make sure that the store is legitimate. On its website should be the details of the company: name, business address, e-mail. You can check the store’s credibility in official records:

  • CEIDG (Central Register of Information on Economic Activity) for sole proprietorships.
  • KRS (National Court Register) for companies.
  • REGON (National Official Register of Economic Entities) for all entities.

Read the rules and regulations:

Check the store’s website for purchasing terms and conditions and read them. Remember that you have the right to return the goods within 14 days without giving a reason.

Use unique passwords:

If you set up an account with an online store, use a different password than the one for online banking. That way, even if the store’s database is hacked, your bank account will remain secure.

Be alert:

Beware of offers with incredibly low prices. Avoid stores that look unprofessional or don’t provide contact information. Never enter your card’s PIN on an online form.

Receiving the package from the courier

  • Upon receipt of the package, you have the right to open it in the presence of the courier to check that the goods are undamaged and in accordance with the order.
  • If the package is damaged, you can refuse to accept it or write a damage report with the courier. This is especially important for delicate products such as electronics or glass.
  • If you have chosen the delivery offered by the seller, the seller is responsible for the goods until you pick them up.

Secure online payments

  • Pay for purchases through secure systems such as BLIK, PayU, Przelewy24, PayPal. Such systems do not require you to enter your card information directly on the store’s website
  • If you pay by card, make sure the store’s website has a padlock symbol and starts with https://
  • Never give your card details via email, chat, or SMS
  • After successful purchases, always check that the correct amount has been debited from your bank account
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