Three focused learning formats. Each one built around a specific knowledge gap that appears in the first years of earning a salary in Romania.
The Romanian payslip contains a specific set of deductions governed by national employment law. This course explains each one in plain language.
The course begins with the structure of a standard Romanian employment contract and how the gross salary figure is established. It then moves through each deduction that appears between gross and net: the CAS (Contribuția de Asigurări Sociale), the CASS (Contribuția de Asigurări Sociale de Sănătate), and the impozit pe venit. Each section explains what the contribution funds, how the rate is calculated, and why it changes when your gross salary changes.
A section is also dedicated to the differences between a standard full-time contract and part-time arrangements, since the deductions behave differently in each case. The course closes with a practical reading exercise using a sample payslip, walking through each line item with annotations.
The figure in your job offer versus the figure on your payslip. Understanding why they differ from day one.
What it funds, how the rate is applied to your gross, and how it shows up on the payslip document.
The health system contribution, its calculation basis, and what entitlements it relates to.
How income tax is calculated after contributions, and what the current flat rate applies to in practice.
A worked example using a sample fluturаș de salariu with annotations on every line, including lines that sometimes appear unexpectedly.
Anyone in Romania who has received a payslip and found the deductions confusing. Equally relevant for people preparing to start a first job.
This course is educational only. It does not constitute tax advice or legal guidance. For specific situations, consult a qualified professional.
A practical workshop that produces a working monthly budget using only a phone. No apps to download, no accounts to create.
This workshop is structured around a single outcome: leaving with a usable monthly budget template that reflects your actual income and expenses. It does not teach budgeting theory. It walks through the exact steps required to build one budget, using only the notes application or calculator that comes pre-installed on any smartphone.
The workshop introduces a simplified category structure for expenses that covers the most common spending patterns for young professionals in Romanian cities without becoming too granular to maintain. The ten-minute time frame is a deliberate constraint. Budgets that take longer to build are less likely to be built at all, and even less likely to be revisited the following month.
Start with what actually arrives in your account. One number. After the payslip course, you know exactly what this figure is and why.
Rent, utilities, subscriptions, transport passes. Costs that do not change month to month. List them and subtract from net income.
Food, personal care, social spending, and one miscellaneous category. Four categories. Simple enough to track without an app.
Before allocating any discretionary spending, the workshop places the emergency fund contribution as a fixed line in the budget, not an afterthought.
People who have tried to budget before but found the systems too complicated to maintain. Also suitable for those starting a budget for the very first time.
A foundational module on what an emergency fund is, why it comes before anything else in a financial plan, and how to start one regardless of income level.
The module opens by defining what qualifies as a genuine financial emergency: unexpected medical costs, a job gap, urgent home or vehicle repairs. It distinguishes between these and common large purchases that are predictable and can be planned for separately.
The fifty-lei-per-week starting point is introduced as a deliberate entry level. This is not presented as an ideal amount, but as an amount that is accessible for most salaried workers in Romania regardless of income level. The module then explains how to create a separate, dedicated place to keep the fund so it is not mixed with everyday spending and is not easily accessed for non-emergency use.
Later sections address what to do when you need to use the fund, and how to rebuild it afterward. The module treats the emergency fund not as a savings goal but as a permanent piece of financial infrastructure.
The distinction between genuine emergencies and predictable large expenses. Understanding this changes how you think about the fund's purpose.
The module explains why building an emergency fund takes priority over other financial goals. Without it, unexpected expenses disrupt everything else.
How a modest weekly amount accumulates over time and how to structure it as a consistent habit rather than an irregular lump sum.
Practical approaches to keeping emergency savings separate from everyday spending without requiring specific financial products.
What to do when you need to draw on the emergency fund, and how to restore it afterward without disrupting the rest of your budget.
This module is educational only. It does not recommend specific savings accounts or financial institutions.