EFPA Poland Financial Health Program: May 2026 to April 2027 Co-Financed by FEF

Running from May 2026 to April 2027 and co-financed by the FEF under the Ministry of Finance, the EFPA Poland Financial Health Program provides free consultations and tools to improve household budget stability.

Financial Reality of Poles

Financial condition touches the daily lives of most residents in Poland. Only 11 percent of adults admit that their finances allow them to enjoy life without money worries, while as many as 79 percent fulfill at most 5 out of 12 basic financial needs. The currently implemented Financial Health Program translates these conclusions into practical ground by offering free and confidential consultations, accessible tools, and professional help available both online and in local communities.

Behind these figures are ordinary situations. Bills are paid, but a larger, unplanned expense can shake the household budget. Incomes arrive regularly, but there is a lack of certainty as to whether funds will be sufficient to realize important plans. Money is present, but it is difficult to assess what one can actually afford and whether finances are prepared for a job change, family expansion, or another event that changes daily life.

Therefore, one does not need to have arrears or be in a particularly difficult situation to feel that finances require more attention. Tension can also accompany professionally active people, achieving regular incomes and efficiently fulfilling their obligations on a daily basis. The problem is not always a lack of money, but sometimes a lack of a full picture of one’s own situation, a plan, or the habit of regularly dealing with finances.

What Is Financial Health?

Financial health is not a synonym for wealth. It is not determined by a single amount in an account or the level of monthly remuneration. It is a state in which a person controls current finances and the budget, can cope with an unexpected, serious expense, realizes their own goals according to plan, and has the freedom to make decisions that allow them to enjoy life.

Therefore, a similar level of income does not always mean the same financial condition. A person earning relatively much may not have full control over expenses and may not know if their finances are resistant to unforeseen events. Someone with a smaller budget, however, can gradually build greater predictability if they know their possibilities, consciously set priorities, and consistently implement a plan.

Finances affect much more than the state of the account. They translate into a sense of security, well-being, relationships with loved ones, the possibility of rest, and the way of thinking about the future. That is why financial health is treated as an integral part of human well-being, alongside physical, mental, and social health.

Significance of Financial Stability

When finances are not a source of constant tension, the stress level decreases, making it easier to make decisions with greater peace of mind, and more psychological resources can be allocated to building closeness, mutual support, and good relationships with others. In this sense, financial stability favors both better well-being and greater openness to social life. It also matters for how free time is spent.

The sense of financial security increases the possibility of using activities that serve regeneration, development, and relationships with others. It also gives greater freedom of choice, thus allowing daily life to be organized not exclusively around current limitations, but also around needs, goals, and quality of life, as emphasized by Barbara Stęchły, Vice President of EFPA Polska.

Poles clearly understand the importance of financial health. As many as 91 percent of respondents attribute high importance to it, and for 17 percent it is the most important thing in life. At the same time, 85 percent of adults believe that achieving and maintaining financial health is within their capabilities, although over half evaluate this task as difficult.

Program Support and Implementation

Responding to this need, the ongoing Financial Health Program of the EFPA Polska Foundation combines practical education with individual support from certified advisors prepared to act as Financial Health Trainers. Its goal is not only to impart information, but above all to help participants apply knowledge in their own situations.

The program operates on a larger scale thanks to public and partnership support. It is co-financed from the funds of the Financial Education Fund, administered by the Minister of Finance and Economy. The Strategic and Substantive Partner of the Program is mBank.

The current edition of the Financial Health Program is implemented from May 2026 to April 2027. It includes 1,000 individual Financial Health Reviews and informational and educational meetings for 3,000 participants, indirectly reaching 12,000 people with the backing of 60 Financial Health Trainers.

Individual Consultations and Tools

The strongest element of the Program is the Financial Health Review—a free, confidential, individual consultation with a certified EFPA advisor prepared for the role of Financial Health Trainer. The meeting lasts about 60 minutes and focuses on the needs and actual situation of the participant, strictly prohibiting the sale or promotion of financial products.

The process begins with completing a short Financial Well-being Survey to determine the starting point. During the meeting, the participant looks at their budget, resources, liabilities, risk areas, and previous money practices, then defines the most important goal and direction for further action with the Trainer.

The effect of the consultation is the first individual financial plan. The participant also receives a FinPack—a set of simple tools for independent work, including a budget sheet, asset review, and materials supporting financial goal planning.