{"id":1756,"date":"2025-08-17T07:14:15","date_gmt":"2025-08-17T05:14:15","guid":{"rendered":"https:\/\/fpna.pl\/cr\/finances-at-a-new-address\/ls\/introduction-2\/"},"modified":"2025-09-09T20:42:18","modified_gmt":"2025-09-09T18:42:18","slug":"introduction-2","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/en\/cr\/finances-at-a-new-address\/ls\/introduction-2\/","title":{"rendered":"Introduction"},"content":{"rendered":"\n<div class=\"wp-block-cover is-light\" style=\"border-radius:40px;margin-top:0;margin-bottom:var(--wp--preset--spacing--60);padding-bottom:0;min-height:150px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"338\" class=\"wp-block-cover__image-background wp-image-1040 size-large\" alt=\"\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/inwestowanie-oszczedzanie-fpna-1200x338.webp\" data-object-fit=\"cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/inwestowanie-oszczedzanie-fpna-1200x338.webp 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/inwestowanie-oszczedzanie-fpna-640x180.webp 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/inwestowanie-oszczedzanie-fpna-768x216.webp 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/inwestowanie-oszczedzanie-fpna.webp 1280w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim\" style=\"background-color:#e1f0ee\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center has-large-font-size\" id=\"wprowadzenie\"><strong>Introduction<\/strong><\/h1>\n<\/div><\/div>\n\n<div class=\"wp-block-group is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<p>This module will focus on practical aspects of personal and household financial management in the Polish context.<\/p>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-palette-color-8-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-radius:40px;margin-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-bfc6aeb8a443f6f338ef1a6b926a0746 is-nowrap is-layout-flex wp-container-core-group-is-layout-29c66b93 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-a75712f\" id=\"gspb_iconBox-id-gsbp-a75712f\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"64pt\" viewbox=\"0 0 128 128\">\n <path d=\"m109.74 49.707h0.37891c0.070312 0 0.125 0.054688 0.125 0.125v0.33594c0 0.066406 0.050781 0.11719 0.11328 0.125 0.83203 0.085937 1.4102 0.44531 1.7266 1.0781 0.082031 0.16016 0.14453 0.48438 0.18359 0.72656 0.023438 0.14844-0.089843 0.28516-0.24219 0.28516h-0.44531c-0.0625 0-0.10938-0.050781-0.11328-0.10937-0.03125-0.49219-0.23828-0.84766-0.61719-1.0703-0.14062-0.078125-0.29687-0.13281-0.46875-0.16016-0.046874-0.007813-0.09375-0.011719-0.14062-0.011719v2.5625c0 0.054688 0.039062 0.10547 0.089843 0.12109 0.66016 0.20703 1.0977 0.36719 1.3047 0.48047 0.60547 0.34375 0.90625 0.89063 0.90625 1.6445 0 0.73828-0.24219 1.3242-0.72266 1.7578-0.078124 0.070313-0.16016 0.13281-0.25391 0.1875-0.32031 0.19141-0.72656 0.3125-1.207 0.36328-0.0625 0.007812-0.11328 0.058593-0.11328 0.125v0.85937c0 0.070313-0.054688 0.125-0.125 0.125h-0.37891c-0.070313 0-0.125-0.054687-0.125-0.125v-0.85547c0-0.066406-0.050782-0.11719-0.11719-0.125-1.0273-0.097656-1.6875-0.54297-1.9805-1.3438-0.0625-0.17969-0.10547-0.5625-0.125-0.82812-0.011719-0.14844 0.10547-0.27734 0.25781-0.27734h0.45703c0.066406 0 0.11719 0.050781 0.125 0.11328 0.046875 0.46484 0.12109 0.77344 0.21094 0.93359 0.015626 0.019531 0.027344 0.046875 0.042969 0.074219 0.22656 0.30469 0.55469 0.5 0.98438 0.58594 0.074219 0.015625 0.14453-0.046875 0.14453-0.125v-2.6602c0-0.054688-0.035157-0.10547-0.089844-0.12109-0.60938-0.19141-1.0273-0.36719-1.2539-0.53125-0.50391-0.35938-0.75391-0.87891-0.75391-1.5547 0-1.0391 0.49609-1.707 1.4883-2.0039 0.15625-0.046874 0.32422-0.082031 0.5-0.10937 0.0625-0.007813 0.10938-0.0625 0.10938-0.125v-0.34375c0-0.070313 0.054687-0.12891 0.125-0.12891zm-0.125 3.7266v-2.2422c0-0.082031-0.074219-0.14062-0.15234-0.12109-0.58594 0.11719-0.9375 0.42578-1.0469 0.92188-0.019531 0.10156-0.03125 0.20703-0.03125 0.32422 0 0.59375 0.35547 1.0078 1.0664 1.2422 0.078125 0.019531 0.16406-0.039063 0.16406-0.125zm0.62891 1.3594v2.4883c0 0.078125 0.074218 0.13672 0.15234 0.125 0.35937-0.0625 0.63672-0.1875 0.82812-0.375 0.29688-0.28516 0.44922-0.64062 0.44922-1.0664 0-0.43359-0.16797-0.75781-0.5-0.96875-0.17578-0.10938-0.42969-0.21875-0.76172-0.32422-0.085937-0.023437-0.16797 0.035156-0.16797 0.12109z\" fill=\"#16866a\"><\/path>\n <path d=\"m42.398 37.461h0.48437c0.089844 0 0.16016 0.074218 0.16016 0.16016v0.43359c0 0.082031 0.066406 0.15234 0.14844 0.16016 1.0703 0.10938 1.8125 0.57031 2.2188 1.3867 0.10156 0.20313 0.18359 0.625 0.23438 0.92969 0.03125 0.19141-0.11719 0.36719-0.3125 0.36719h-0.57031c-0.078125 0-0.14062-0.0625-0.14453-0.14063-0.039063-0.63281-0.30469-1.0898-0.78906-1.375-0.18359-0.10156-0.38281-0.17187-0.60156-0.20703-0.058593-0.007812-0.11719-0.011719-0.17969-0.011719v3.293c0 0.070313 0.046875 0.13281 0.11719 0.15625 0.84766 0.26562 1.4102 0.46875 1.6758 0.62109 0.77734 0.44141 1.1641 1.1445 1.1641 2.1133 0 0.94922-0.30859 1.7031-0.92969 2.2617-0.097657 0.089844-0.20703 0.16797-0.32812 0.24219-0.41406 0.24609-0.92969 0.39844-1.5547 0.46875-0.082031 0.007813-0.14453 0.078126-0.14453 0.16016v1.1055c0 0.089843-0.074219 0.16016-0.16016 0.16016h-0.48438c-0.089844 0-0.16016-0.074219-0.16016-0.16016v-1.1016c0-0.082031-0.066407-0.15234-0.14844-0.16016-1.3203-0.125-2.168-0.69922-2.5469-1.7266-0.082031-0.23047-0.13281-0.72266-0.16016-1.0664-0.015625-0.19141 0.13672-0.35938 0.33203-0.35938h0.58594c0.082031 0 0.15234 0.0625 0.16016 0.14844 0.0625 0.59766 0.15234 0.99609 0.27344 1.1992 0.019531 0.027344 0.035157 0.058594 0.054688 0.09375 0.28906 0.39453 0.71094 0.64453 1.2656 0.75391 0.097656 0.019531 0.1875-0.058594 0.1875-0.16016v-3.418c0-0.070312-0.046875-0.13281-0.11328-0.15625-0.78516-0.24609-1.3203-0.47266-1.6094-0.67969-0.64844-0.46484-0.96875-1.1289-0.96875-2 0-1.332 0.63672-2.1914 1.9141-2.5742 0.19922-0.058594 0.41406-0.10547 0.64453-0.14062 0.078125-0.011719 0.14062-0.078125 0.14062-0.16016v-0.44141c-0.015625-0.10547 0.058594-0.17578 0.14453-0.17578zm-0.16016 4.7852v-2.8828c0-0.10547-0.097656-0.17969-0.19922-0.15625-0.75391 0.15234-1.2031 0.54688-1.3477 1.1836-0.027344 0.12891-0.039062 0.26562-0.039062 0.41406 0 0.76172 0.45703 1.293 1.3711 1.5938 0.10547 0.035156 0.21484-0.042969 0.21484-0.15234zm0.80859 1.7461v3.1992c0 0.10156 0.09375 0.17578 0.19141 0.16016 0.46094-0.082031 0.81641-0.24219 1.0625-0.48047 0.38281-0.36719 0.57422-0.82422 0.57422-1.3711 0-0.55859-0.21484-0.97266-0.64062-1.2422-0.22656-0.14062-0.55078-0.28125-0.97656-0.41797-0.10156-0.035156-0.21094 0.042968-0.21094 0.15234z\" fill=\"#16866a\"><\/path>\n <path d=\"m81.316 11.75h0.71094c0.12891 0 0.23438 0.10547 0.23438 0.23438v0.63281c0 0.12109 0.09375 0.22266 0.21484 0.23437 1.5625 0.16016 2.6406 0.83203 3.2383 2.0195 0.15234 0.29688 0.26953 0.91016 0.34375 1.3594 0.046875 0.28125-0.17188 0.53516-0.45312 0.53516h-0.83594c-0.11328 0-0.20703-0.089844-0.21484-0.20703-0.058594-0.92188-0.44531-1.5898-1.1523-2.0078-0.26562-0.14844-0.55859-0.25-0.87891-0.30078-0.085938-0.011719-0.17188-0.019531-0.26172-0.019531v4.8008c0 0.10156 0.070312 0.19531 0.16797 0.22656 1.2383 0.38672 2.0547 0.6875 2.4453 0.90234 1.1328 0.64453 1.6992 1.6719 1.6992 3.082 0 1.3867-0.45312 2.4844-1.3555 3.2969-0.14453 0.12891-0.30078 0.24609-0.47656 0.35156-0.60547 0.35547-1.3594 0.58203-2.2656 0.68359-0.12109 0.011719-0.21484 0.11328-0.21484 0.23438v1.6094c0 0.12891-0.10547 0.23438-0.23438 0.23438h-0.71094c-0.12891 0-0.23438-0.10547-0.23438-0.23438v-1.6055c0-0.12109-0.09375-0.22266-0.21484-0.23438-1.9258-0.17969-3.1641-1.0195-3.7148-2.5195-0.11719-0.33594-0.19531-1.0547-0.23438-1.5547-0.023438-0.28125 0.19922-0.52344 0.48438-0.52344h0.85547c0.12109 0 0.22266 0.09375 0.23438 0.21484 0.089843 0.87109 0.22266 1.4531 0.39844 1.7461 0.027344 0.039063 0.050781 0.085938 0.078125 0.13672 0.42188 0.57422 1.0352 0.94141 1.8438 1.0977 0.14062 0.027344 0.27344-0.085937 0.27344-0.23438v-4.9844c0-0.10156-0.070313-0.19531-0.16797-0.22656-1.1445-0.35547-1.9297-0.6875-2.3516-0.99219-0.94141-0.67578-1.4141-1.6484-1.4141-2.918 0-1.9453 0.92969-3.1953 2.7891-3.7578 0.29297-0.085938 0.60547-0.15625 0.9375-0.20703 0.11719-0.019531 0.20312-0.11328 0.20312-0.23047v-0.64453c0-0.125 0.10547-0.23047 0.23438-0.23047zm-0.23438 6.9844v-4.2031c0-0.15234-0.14062-0.26172-0.28906-0.23047-1.1016 0.22266-1.7539 0.79688-1.9648 1.7266-0.039063 0.1875-0.058594 0.39062-0.058594 0.60547 0 1.1133 0.66797 1.8867 2 2.3242 0.15234 0.050781 0.3125-0.0625 0.3125-0.22266zm1.1797 2.5469v4.668c0 0.14844 0.13672 0.25781 0.28125 0.23047 0.67578-0.11719 1.1914-0.35156 1.5508-0.69922 0.55859-0.53516 0.83984-1.1992 0.83984-2 0-0.8125-0.3125-1.418-0.9375-1.8164-0.33203-0.20703-0.80469-0.41016-1.4258-0.60937-0.14844-0.046876-0.30859 0.066406-0.30859 0.22656z\" fill=\"#16866a\"><\/path>\n <path d=\"m112.97 43.328c-10.535-2.7578-18.895 9.0898-12.27 17.902l-10.238 6.7617-4.293-29.617c6.625-1.3984 12.457-6.3906 14.348-13.578 4.25-16.219-13.699-29.629-28.391-21.258-15.023 8.5859-11.234 31.016 5.5156 34.746l-2.8867 19.891-19.199-8.4492c1.9688-3.8789 2.0195-8.8828-0.55078-13.176-5.1602-8.6055-17.426-9.3633-23.543-1.5156-10.238 13.352 8.1914 29.875 20.688 19.051l20.617 17.762-7.1992 49.664c-0.42187 2.875 1.793 5.5156 4.7656 5.5156h23.121c2.9531 0 5.1875-2.6211 4.7734-5.5156l-6.1328-42.25c0.22656-0.19531-0.45312 0.5625 12.555-14.699 6.5469 3.4844 14.828 0.050781 16.719-7.1562 1.6133-6.125-2.1562-12.434-8.3984-14.078zm-48.816-23.602c0-11.449 11.008-19.582 22.164-16.648 9.4727 2.4922 15.203 12.07 12.77 21.348-1.1797 4.4883-4.0781 8.2422-8.1523 10.566-11.785 6.6992-26.781-1.7695-26.781-15.266zm-24.508 35.84c-10.91-2.875-13.035-17.289-3.3086-22.824 5.918-3.3984 13.773-1.4961 17.398 4.5703 5.7891 9.6953-3.2969 21.109-14.09 18.254zm13.586-2.4922c0.60156-0.62891 1.1328-1.3086 1.5938-2.0469l19.711 8.6562-1.5117 10.434zm43.531 68.656c0.28516 1.9883-1.2305 3.8203-3.3086 3.8203h-23.117c-2.0781 0-3.5938-1.832-3.3086-3.8203 1.4375-9.9062-1.8008 12.426 12.07-83.16 1.9102 0.29688 3.8008 0.30469 5.6133 0.058594 7.2578 50.039-3.1211-21.551 12.051 83.102zm-4.9414-44.375-1.1211-7.75 10.969-7.2461c0.52344 0.52344 1.082 1.0039 1.7031 1.4258zm23.434-14.246c-7.7773 4.4414-17.348-2.6484-15.086-11.273 1.4062-5.3477 6.9727-8.5156 12.426-7.0703 8.7734 2.293 10.449 13.91 2.6602 18.344z\" fill=\"#16866a\"><\/path>\n <path d=\"m37.945 83.234c0.11719-4.9727 11.777-23.168-8.6367-23.938-2.207-0.089844-4.6484 0.51172-5.2891 2.3906-6.9531-1.793-13.746 3.1992-13.746 9.9258 0 6.0273 5.543 10.949 12.23 10.199-11.039 8.7148-8.0156 25.914-2.6406 26.102 1.6133 0.03125 2.7969-1.3008 3.2109-2.5781 0.38281-1.1914 0.29688-2.4414 0.24609-3.6914-0.11719-3.1406 0.46094-12.141 3.6133-12.328-2.2656 21.141-5.2383 37.012 2.4922 37.082h0.050781c0.93359 0 1.7617-0.34375 2.3438-0.97656 2.6094-2.8359-0.11719-16.629 2.668-19.73 0.39453-0.42188 1.1133-0.71875 1.6055-0.44141 0.64062 0.35547 0.73047 1.3867 0.27734 3.2578-0.77734 3.1211-1.5859 11.629-0.10938 14.473 1.8203 3.5156 7.3633 3.9102 7.5039-3.3984 0.42188-21.48-5.9297-31.918-5.8203-36.348zm-16.789-2.8164c-5.1875 0-9.4023-3.9492-9.4023-8.8008 0-5.8203 5.9766-10.16 12.148-8.4297 0.58984 2.875 4.4492 3.2969 5.0117 3.457 4.2344 5.7578-0.15625 13.773-7.7578 13.773zm9.875-13.125c3.043 1.6055 4.6289 6.5391-0.90625 10.121 2.1602-2.9336 2.5312-6.7656 0.90625-10.121zm11.254 52.262c-0.039062 1.6836-0.375 3.8008-1.793 4.293-1.1133 0.375-2.3828-0.50391-2.9258-1.5469-1.2617-2.4102-0.42188-10.793 0.22656-13.441 0.25781-1.0547 0.94531-3.8281-0.98438-4.9023-1.4688-0.81641-3.8789-0.1875-4.668 3.625-1.5742 7.8086 0.98438 17.242-2.6992 17.34-5.9453 0-3.0898-16.324-0.91406-36.668-0.31641-0.10938-0.75-0.41406-1.5469-0.41406-4.4492 0-5.3164 9.4531-5.1406 13.855 0.050781 1.0547 0.13672 2.2148-0.17578 3.1914-0.24609 0.76953-0.92578 1.6133-1.7617 1.5547-3.6523-0.097656-7.0508-17.223 5.1602-24.605 3.0312-1.8516 8.6367-3.4961 9.9727-8.2031 0.86719-3.082-0.90625-6.6953-3.8711-7.8945-1.3594-0.54297-2.8359-0.62109-3.9883-1.0625-2.8164-1.0625-2.6797-4.0469 2.0781-3.8984 7.4453 0.28516 11.727 3.2891 10.484 10.594-0.73047 4.2344-3.2109 8.3477-3.2773 11.824-0.10156 5.1289 6.2305 14.738 5.8242 36.359z\" fill=\"#16866a\"><\/path>\n <path d=\"m9.6484 66.117c0.019531-0.015626 0.039062-0.027344 0.054687-0.042969 0.30469-0.26953 0.33203-0.73828 0.0625-1.043s-0.73828-0.33203-1.043-0.0625l-0.007812 0.003906c-1.1172 0.99219-1.8359 2.3203-2.1875 3.6875-0.35156 1.3711-0.35938 2.7969-0.0625 4.1406 0.60547 2.6992 2.2578 4.9453 4.1484 6.7617-1.7227-1.9844-3.1055-4.3477-3.4219-6.8906-0.31641-2.4883 0.5625-5.1758 2.457-6.5547z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color wp-elements-48bdf99de595d90ec34675fcb44e77c3\" id=\"tematyka\" style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.716), 26px);\">Topics:<\/h2>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personal and household budget management:<\/strong><br\/>What a household budget is and why it&#8217;s crucial. How to track your income and expenses. <\/li>\n\n\n\n<li><strong>Income categories:<\/strong> <br\/>Legal sources of income and how their diversification affects your budget.<\/li>\n\n\n\n<li><strong>Expense categories:<\/strong><br\/>How to effectively categorize expenses to see where your money is going.<\/li>\n\n\n\n<li><strong>Household management tools and techniques:<\/strong><br\/>Practical introduction to mobile apps (e.g., free budgeting apps available in Poland) and spreadsheets (e.g., Excel, Google Sheets) for monitoring finances. <\/li>\n<\/ul>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1756","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson\/1756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson"}],"about":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/types\/lesson"}],"replies":[{"embeddable":true,"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/comments?post=1756"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/media?parent=1756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}