Understanding Income and Obligations
The first session addresses the most fundamental question: what is actually happening with your money right now? This is not about judgment. It is about visibility.
Many participants arrive having never read a bank statement from start to finish. The session walks through what each line means, what the different account types are, and how to identify every source of income and every regular obligation.
- Reading and interpreting a bank statement
- Identifying all income sources including irregular ones
- Mapping all monthly and annual obligations
- Understanding net vs. gross income in Croatian context
- Completing a personal income and obligations worksheet
Establishing a Payment System
Knowing what you owe is one thing. Having a reliable system for making sure it all gets paid on time is another. The second session is entirely practical.
Participants build a personal payment calendar during the session itself. We work through the most common Croatian utility and service bill formats, explain how to set up standing orders at Croatian banks, and create a simple checklist system that removes the mental load of remembering everything.
- Creating a monthly payment calendar
- Understanding Croatian utility bill formats
- Setting up and managing standing orders
- Building a personal bill-tracking checklist
Setting Priorities and Making Decisions
The final session shifts from systems to judgment. Once you can see your finances clearly and your payment system is running, the remaining challenge is making good decisions when something unexpected happens or when you have to choose between competing needs.
This session introduces a simple framework for thinking through financial decisions. Not a formula. A way of thinking that participants can apply to any situation they encounter after the workshops end.
- Distinguishing urgent, important, and deferrable expenses
- Building a basic monthly financial plan
- Thinking through unexpected expense scenarios
- Maintaining the payment system independently over time
- Knowing when and where to seek further professional help