Financial literacy and responsible management

Become the master of your finances! Each of us makes daily decisions about money – some plan, while others spend spontaneously. Every financial decision affects our future.

This module focuses on the basics of financial literacy and responsible management. You will learn how to properly manage money, save, and invest wisely.

Understanding money – You will discover how income, expenses, and budgeting work.
Effective saving – You will learn how to create a financial reserve and manage your resources effectively.
Responsible spending – You will understand the difference between needs and wants.
Basics of investing – You will learn how money can work for you.
Planning for the future – You will gain tools for financial stability and independence.

Do you want to take control of your finances? Choose this module and develop the right habits!

Imagine you've received an unexpected financial gift. How will you use it? I will divide it into parts – I will save something, invest something, and treat myself to something.
I will immediately buy something I've been longing for a long time.
I will lend it to someone who needs it right now, and I will trust that they will return it to me.
I will donate it to charity or help a family.
I will try to multiply it with some business idea.

When planning your expenses, you imagine: A clear table or application where I track every expense.
A rough estimate in my head, so I have some kind of idea.
Someone else to help me with it, because I don't enjoy dealing with it.
How I enjoy what I love, and the rest will turn out somehow.
I don't plan anything; money is meant to be spent spontaneously.

If you had the opportunity to earn extra money, what would you choose? A long-term part-time job with a regular income.
One-time large earnings, even if it would be more challenging.
A job that I enjoy, even if I don't earn much.
Investing or trading, even though it is risky.
I avoid work if it's not necessary – I prefer to find other ways.

If you found yourself in a situation where you suddenly ran out of money, how would you react? I will start looking for a quick solution on how to earn money.
I would like to ask for help from parents or friends.
I am trying to minimize expenses and make it to the next paycheck.
I will go into debt or take out a loan if necessary.
I don't stress about it; I always find a way to make money.

When you envision your financial future in 10 years, what do you see? Stability - I have savings and reasonable income.
I enjoy life without major worries about money.
I am in business and constantly looking for new opportunities.
I'm afraid I won't have enough, and I don't know how I'll manage it.
Wealth and independence – money will not be a problem for me.

What feelings does the idea of investing money evoke in you? Excitement – I want to try new possibilities and risks.
Safety - I prefer stable and long-term investments.
Uncertainty – I am not sure if I understand it.
Indifference - it's complicated and boring for me.
Fear – I am afraid that I might lose everything.

How would you react if you suddenly had to pay a high bill that you hadn't planned for? I would immediately look for a way to earn money to cover the expenses.
From the reserve that I always keep aside for unexpected expenses.
I'll borrow it and deal with it later.
I will try to find a way to postpone or reduce the bill.
I'm ignoring it; it will somehow get resolved.

What do debts mean to you? They are a common part of life, but they need to be kept under control.
Something I am trying to completely avoid.
A tool to achieve goals, as long as I can work with them reasonably.
Stress and a problem that I prefer to ignore until I have to deal with it.
Opportunity – if they can bring in more money, I'm not afraid of them.

When you have a larger sum of money with you, what is your first reaction? I will save a part and use the rest wisely.
I feel like spending it immediately on something special.
I'm thinking about how to invest it or grow it.
I set it aside and wait for a good opportunity to arise.
I will share it with family or friends if I don’t need it.

If you had the opportunity to take a financial literacy course, what would you do? I would definitely sign up; I want to have a better overview.
I would consider it if it were practical and understandable.
I don't see the point in it, since I will learn to handle money through practice.
I think it doesn't concern my life – I'd rather focus on other things.
I will wait until I have more personal experiences; I don't need it right now.