Start here if you are new to personal finance
These courses cover core concepts that form the basis for all other financial decisions. No prior knowledge needed.
Money Basics: Income, Expenses and Cash Flow
A clear introduction to how money moves through your life. Covers income types, fixed and variable expenses, and the concept of cash flow as a foundation for all financial planning.
Building a Monthly Budget That Works
Hands-on workshop where you build a real monthly budget during the session. Covers common budgeting approaches, how to handle irregular income and how to adjust when circumstances change.
Your First Emergency Fund
Why an emergency fund matters, how large it should be relative to your situation and how to build one even when money feels tight. Includes a practical savings plan you complete during the session.
Build on the basics with deeper topics
These sessions go further into specific areas of personal finance that become relevant as your financial life grows in complexity.
Understanding Credit in Poland
A thorough look at how the Polish credit system works. Covers BIK, credit scoring, what lenders assess and how to use credit tools responsibly without creating problems down the line.
Tax Basics for Young Employees and Freelancers
An accessible introduction to the Polish tax system relevant to young adults. Covers employment contracts, self-employment options, PIT filing and common deductions available to individuals.
Introduction to Saving and Investing
Covers the spectrum from savings accounts and government bonds through to basic investment concepts. Designed to give beginners a clear map of options without advocating specific products.
Institutional and group programmes: If you represent a university, employer or youth organisation interested in providing financial education to a group, we offer tailored programmes designed around your specific context. Contact us to discuss what a programme for your organisation could look like.