Tuzomyi
Tuzomyi savings workshops
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Tuzomyi — student savings projects

What participants
built with a real plan

Every project on this page came from a workshop participant who started with no formal finance background. These are working savings plans — built over 6 to 12 weeks, tested against real household budgets.

214 completed projects
38 cities represented
6–12 weeks per plan
Workshop participant reviewing a savings plan worksheet

Selected participant plans

Three projects chosen from the 2023–2024 cohort. Each one addresses a different starting condition — different income level, different savings horizon, different household size.

3 featured
from cohort 2023–2024
Participant Weronika Dąb reviewing her 18-month savings spreadsheet
18-month horizon

Weronika Dąb — emergency buffer first

Weronika came in with irregular freelance income ranging from 2,800 to 5,100 PLN per month. Her plan prioritised a 3-month expense buffer before any longer-term savings allocation — a sequence most participants skip. She reached her buffer target in month 11.

11 mo. buffer reached
PLN 14,400 total saved
3 steps plan phases
see learning program
family household

Tomasz Wierzbicki — two incomes, one plan

Tomasz and his partner had combined monthly income of 8,600 PLN but no shared savings structure. The plan mapped out fixed contributions from each income stream, accounting for 4 months of lower earnings during a planned parental leave period.

24 mo. plan duration
PLN 31,000 target amount
see learning program
Participant Agnieszka Rzeźnik presenting her long-term savings model
long-term model

Agnieszka Rzeźnik — planning across a 5-year window

Agnieszka is a secondary school teacher in Białystok with a stable monthly salary of 4,200 PLN net. Her project is notable for its structure: she divided the 5-year window into three distinct phases, each with a different savings rate and a different purpose — liquidity first, then medium-term reserves, then a down payment fund.

The plan accounts for two salary increments and one planned career interruption. It was the most detailed submission in the 2024 cohort and has since been used as a reference example in the workshop materials.

5 years plan horizon
3 phases structured stages
PLN 68,000 projected total
see learning program
Participants collaborating on savings plan worksheets during a Tuzomyi workshop

What these projects actually show

The point of publishing participant work is not to showcase success stories. It is to show the range of problems that structured savings planning addresses — and how differently each person approaches the same task.

  • Plans built during the workshop are based on each participant's actual household data — not hypothetical numbers or average figures.
  • Most participants adjust their plan at least once during the workshop, usually after the cash-flow mapping exercise in week 3.
  • The gap between what people think they can save and what they can actually save averages around 340 PLN per month across 2024 cohorts.
  • Participants from smaller cities consistently produce more conservative plans — a pattern that reflects real cost-of-living differences, not lower ambition.
  • No project here was completed without revision. The revision process is considered part of the assignment, not a sign of failure.
Participation does not guarantee outcomes

These projects reflect individual effort and starting conditions. The workshop provides a structured method and expert feedback — what participants do with it after the programme ends is entirely up to them. Results vary, and that is expected.