{"id":1847,"date":"2025-08-30T00:51:45","date_gmt":"2025-08-29T22:51:45","guid":{"rendered":"https:\/\/fpna.pl\/cr\/finances-at-a-new-address\/ls\/exercise-money-thieves\/"},"modified":"2025-09-03T23:04:33","modified_gmt":"2025-09-03T21:04:33","slug":"exercise-money-thieves","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/en\/cr\/finances-at-a-new-address\/ls\/exercise-money-thieves\/","title":{"rendered":"Exercise: Money thieves"},"content":{"rendered":"\n
\"\"<\/span>
\n

Exercise: Money thieves<\/strong><\/h1>\n<\/div><\/div>\n\n
\n
\n
\n
\n
\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n<\/svg><\/div><\/div>\n\n\n\n

Instruction:<\/strong><\/h2>\n<\/div>\n\n\n\n

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

Money thieves<\/strong> 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. <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n

\n
\n
\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n<\/svg><\/div><\/div>\n\n\n\n

List of \u2018money thieves\u2019<\/strong>:<\/h2>\n<\/div>\n\n\n\n
    \n
  1. Clothes<\/li>\n\n\n\n
  2. Promotions (or buying only because of a promotion)<\/li>\n\n\n\n
  3. Free gifts<\/li>\n\n\n\n
  4. Dietary supplements<\/li>\n\n\n\n
  5. Wasting food<\/li>\n\n\n\n
  6. Subscriptions (e.g. streaming platforms)<\/li>\n\n\n\n
  7. Bundles – combining services<\/li>\n\n\n\n
  8. Gym or pool passes we don’t use<\/li>\n\n\n\n
  9. Advertisements<\/li>\n\n\n\n
  10. Attempts to impress others<\/li>\n\n\n\n
  11. Speeding or parking tickets<\/li>\n\n\n\n
  12. Attempts to imitate celebrities and influencers<\/li>\n\n\n\n
  13. Shopping in second-hand shops (if done impulsively)<\/li>\n\n\n\n
  14. Having multiple loyalty cards (if they lead to excessive purchases)<\/li>\n\n\n\n
  15. Shopping presentations<\/li>\n\n\n\n
  16. Promotional campaigns <\/li>\n\n\n\n
  17. Cosmetics<\/li>\n\n\n\n
  18. Purchasing similar products (e.g. power tools)<\/li>\n\n\n\n
  19. Hobbies when we spend too much (e.g. running gear)<\/li>\n\n\n\n
  20. Goods stacked at the checkout (e.g. chocolates, candy bars, gum, batteries)<\/li>\n\n\n\n
  21. Scented candles for the home<\/li>\n\n\n\n
  22. Decorations for the home<\/li>\n\n\n\n
  23. Bank charges<\/li>\n\n\n\n
  24. Stimulants<\/li>\n\n\n\n
  25. Carelessness<\/li>\n\n\n\n
  26. Uneconomical driving<\/li>\n\n\n\n
  27. Telephone subscriptions<\/li>\n\n\n\n
  28. Coffee out on the town<\/li>\n\n\n\n
  29. Leaking tap<\/li>\n\n\n\n
  30. Light on<\/li>\n\n\n\n
  31. Heating when the window is open<\/li>\n\n\n\n
  32. Sweets<\/li>\n\n\n\n
  33. Fast-food<\/li>\n\n\n\n
  34. Guided by product packaging<\/li>\n\n\n\n
  35. Frequent visits to the shop<\/li>\n\n\n\n
  36. Addictions<\/li>\n\n\n\n
  37. Books, magazines, journals that we do not read<\/li>\n\n\n\n
  38. Gambling<\/li>\n\n\n\n
  39. Games (e.g. lotto)<\/li>\n\n\n\n
  40. Betting<\/li>\n\n\n\n
  41. Interest<\/li>\n\n\n\n
  42. Family support (if it becomes a financial burden without assertiveness)<\/li>\n\n\n\n
  43. Lack of consumer assertiveness<\/li>\n\n\n\n
  44. Sales TV channels<\/li>\n\n\n\n
  45. Shops offering low-priced products (e.g. convenience stores, discount shops with a variety of products)<\/li>\n\n\n\n
  46. Vending machines for children<\/li>\n\n\n\n
  47. Paid applications<\/li>\n\n\n\n
  48. Not terminating contracts on time<\/li>\n\n\n\n
  49. Buying too much<\/li>\n\n\n\n
  50. Shopping without a list, shopping when hungry<\/li>\n\n\n\n
  51. Wastefulness<\/li>\n\n\n\n
  52. Unconsidered purchases<\/li>\n\n\n\n
  53. Gadgets<\/li>\n\n\n\n
  54. Buying things and not using them<\/li>\n\n\n\n
  55. Mismanagement<\/li>\n<\/ol>\n<\/div>\n\n

    <\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1847","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson\/1847","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=1847"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/media?parent=1847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}