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

Start not wasting

Ways not to waste food, which translates into savings in the budget.

Not wasting food and other resources in a financial context

  1. Buy as much as you use and don’t waste
  2. Plan your meals for at least a week, or even a month
  3. Regularly review your kitchen cupboards and fridge
  4. Buy fruit and vegetables carefully, as they go bad quickly. Estimate how much you really need and buy that much
  5. Browse spices as well
  6. Store fruit and vegetables properly in the fridge
  7. Store dry food in airtight containers to avoid food moths
  8. Only shop with a list of products, list on a piece of paper or in an app such as LISTONIC
  9. Stick to the shopping list
  10. Check the use-by date of products in the shop; goods with a short date are usually within reach, those with a longer date further down the shelf
  11. Compare prices of products per kilo and per litre
  12. Have a trusted retailer for meat, vegetables and fruit
  13. Keep receipts in case goods need to be replaced
  14. Use leftover food creatively, e.g. potatoes for dumplings, possibly pies
  15. Freeze, pasteurise (preserve)
  16. Donate food to food banks
  17. Be assertive about accepting food if it has not been agreed with us
  18. Cook as much as you can eat and prepare what is liked by all
  19. Decide to order food (treat it as a pleasure) only if you do not have food prepared at home
  20. Check the products ingredients list, not just the price
  21. Prepare one-pot dishes, for example in a slow cooker
  22. Use leftover food to make stocks or sauces
  23. Plan your shopping list according to the ingredients available at home
  24. Reduce the use of disposable packaging when alternatives are available
  25. Use reusable shopping bags and avoid buying unnecessary packaging
  26. Repair damaged items instead of buying new ones straight away
  27. Use products to the last drop/gram (e.g. toothpaste, cosmetics)
  28. Consider composting organic leftovers if possible
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