Workshop overview
Participants: young people aged 18–30
Duration: 180 minutes
Main goal: Build practical skills in managing a personal budget, making informed consumer decisions, understanding contracts and subscriptions, and knowing where to seek help.
Learning objectives
- Create a simple monthly budget (income, fixed/variable costs, savings)
- Understand banking basics: accounts, cards, online payments, security
- Recognize high-risk products (quick loans, hidden fees, subscription traps)
- Know consumer rights and complaint procedures
- Plan realistic savings and build an emergency fund
Agenda (180')
0–15' Opening and expectations
15–45' Module 1 – Budget: income, expenses, savings
45–75' Module 2 – Banking and payments
75–95' Break
95–135' Module 3 – Consumer rights
135–170' Module 4 – Debt and subscription traps
170–180' Evaluation and wrap‑up
Modules
📊 Module 1 – Budget
50/30/20 rule, fixed vs. variable expenses, envelope method, emergency fund.
âś… Tip: Automate savings on payday to make it effortless.
🏦 Module 2 – Banking and payments
Types of accounts and cards, online transfers, payment safety (2FA, strong passwords, trusted Wi‑Fi).
⚠️ Never share one‑time codes or passwords. Banks will not ask for them.
🛡️ Module 3 – Consumer rights
Withdrawal from distance contracts (14 days), warranty vs. guarantee, complaint steps, where to get help.
📱 Module 4 – Debt and subscription traps
Reading T&Cs, hidden fees, autorenewals, BNPL risks, payday loans, debt spiral prevention.
FIN Materials
FIN1 – Budget worksheet
FIN2 – Banking safety checklist
FIN3 – Consumer rights quick guide
FIN4 – Subscriptions and fees tracker
FIN-R – Assessment rubric