Finance and economic thinking
Micro budgets
Why Our Money is in Chaos: Uncover Hidden Distortions in Microbudgets

Finance and economic thinking

Local decision-making
Micro budgets
Home cashflow
Saving money
Small investing
Financial rituals
Price and value

Why Our Money is in Chaos: Uncover Hidden Distortions in Microbudgets

Finance and economic thinking

Local decision-making
Micro budgets
Home cashflow
Saving money
Small investing
Financial rituals
Price and value

Why Our Money is in Chaos: Uncover Hidden Distortions in Microbudgets

Uncover the secrets of your finances! Each of us has unique strengths or hidden abilities that can influence our financial decision-making. These abilities often help us overcome obstacles and achieve our goals.

In this module, we will focus on the chaos in our finances and uncover hidden biases that can affect our micro-budgets. You will learn how to better understand your financial habits and gain control over your money.

Identifying biases – you will discover what biases influence your money decisions.
Analyzing micro-budgets – you will learn how to effectively analyze your small budgets and improve them.
Financial psychology – you will uncover the psychological factors that influence your financial behavior.
Tracking tools – you will gain insight into practical tools that can help you keep track of your finances.
Improvement strategies – you will learn how to implement proven strategies to enhance your financial habits.

Conclusion: Join us and try this module to uncover the hidden aspects of your finances and take control of your financial life!

Imagine that you receive an unexpected €50. What will you do with it first?

Select an answer:

I will put them among the other money, I will think about them later. I will use them for something that will immediately make me happy. I will consider how I could multiply them. I will give them to someone who needs them more. I will start keeping a record of where they go.

What does your wallet or financial app look like?

Select an answer:

Minimalistically – I have only the essentials. Chaotically – I make deposits and withdrawals intuitively. I have old receipts, notes, scraps... I have everything divided – food, entertainment, savings. I use a system of colors, zones, or rules.

What do you feel when someone asks, "What do you spend most of your money on?"

Select an answer:

I will think about it, but I don't have a precise answer. I will feel a little embarrassed, but that will pass. I know it exactly, and I like to talk about it. I avoid such a question, it's nobody's business. I have an overview, but I don't know if I am satisfied with it.

When planning your vacation, what plays the biggest role?

Select an answer:

Overall experience – is it worth it? How much will it cost me day by day? Whether it fits into the budget. Where could I save the most? Whether it will look good in photos.

If you had to make an unexpected expense of €300, what would be your first step?

Select an answer:

I will see what I can cancel or move. I will use the reserve if I have it. I will divide it into smaller parts and pay gradually. I will ask for help or a loan. I will think about whether it is really necessary at all.

Which statement is closest to you?

Select an answer:

Money is just a tool, not a goal. He who saves has for three. We should indulge ourselves while we can. Every euro should be turned twice. Less is sometimes more.

How often do you revisit your purchases and evaluate them retroactively?

Select an answer:

Sometimes – when something doesn't work out. Regularly – I have a ritual for it. Almost never – what happened, happened. Only if I spent more than I planned. Whenever I put something away or throw it out.

What does the idea "every euro has its place" evoke in you?

Select an answer:

It calms me – that's exactly how I like it. It makes me nervous – it sounds like prison. It sounds right, even though I don’t live that way. I envy people who know how to do it. It reminds me of a game – maybe I would give it a try.

If you had to create a micro-budget for a week, what would you enjoy the most?

Select an answer:

Find creative ways to save. Observe how my behavior changes. The feeling of control and clarity. Finding out where I waste. Absolutely nothing – it sounds like unnecessary hassle.

Which of these images resonates with you the most?

Select an answer:

A tree that grows slowly but strongly. A river that flows around obstacles. Map with marked roads and destinations. A piggy bank that turns into treasure. A plate with small tastings of various dishes.

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