The Pecuvo coinPecuvo

Modules

Money with real backing and assets with real value come first; speculation, crypto and fraud come last. Every module has three levels: child, teenager, adult. Where a module describes laws, it gives the EU rule, an example from Bulgaria and what to check in your own country. The English version grows module by module — 28 of 30 are ready; all 30 are in Bulgarian.

Block I

How money works

Where money comes from, what backs it and how banks create it.

  1. 1 History of money
  2. 2 Currencies and backing
  3. 3 Assets and cash equivalents
  4. 4 The mechanics of money
  5. 21 Payments and purchases — cards, online, transfers, currency, fees
  6. 26 The bank and financial products — accounts, deposits, deposit guarantee
  7. 6 Alternatives to money — mutual credit, time banks, local currencies, gifts

Block II

The mathematics of money

Interest, compounding and capitalisation — the calculation that decides everything.

  1. 7 Interest, compounding, capitalisation

Block III

Cash flow

The iron principles, the tool and the five cash flows.

  1. 8 The iron principles of cash flow
  2. 9 Managing cash flow — with the tool
  3. 22 Credit — types, annual percentage rate of charge (APR), mortgages, credit history
  4. 20 Income — pay, social security contributions, gross and net, benefits
  5. 10 The five cash flows
  6. 11 Flow 5: projects and public funds
  7. 27 Taxes and public spending
  8. 18 Flow 3 — the small business: price, break-even point and cash flows
  9. 19 The social enterprise — a business with a purpose

Block IV

Security

Insurance and the safety of money — against the big loss and against online fraud.

  1. 12 Insurance — life, savings, health, property
  2. 28 Digital finance and security

Block V

People and money

Values, psychology, the stages of life and real value.

  1. 13 Values and rules for life
  2. 14 The psychology of money
  3. 15 Life strategies by stage
  4. 25 Pensions — the three pillars
  5. 16 Where to reinvest — real value
  6. 24 Investing: the basics — risk, return, allocation
  7. 29 Sustainable finance and "green" claims

Block VI

Finally: speculation, crypto and fraud

How to tell value from expectation — and how to protect yourself from fraud.

  1. 17 Fraud, pyramid schemes and "getting rich quick"
  2. 5 Crypto and tokenisation — price, value and rules