Foundations
Understanding where money is actually going, before deciding what to change.
An educational program, Rzeszów & online
A calm path back to stabilityclarityconfidencecontrol
Bofova Sikemu is a structured program for people rebuilding their finances after job loss, illness, or divorce. The lessons move one week at a time, with no pressure to fix everything at once.
Gradual, week by week
Session in progress
Format
Small groups or one-on-one review, in person in Rzeszów or over video call.
Duration
Six to ten weeks, depending on which track fits your situation.
Pace
One topic at a time. No lengthy assignments, no rushed decisions.
Who it's for
Adults navigating a job loss, a health diagnosis, a separation, or a divorce.
Financial stress after a life disruption rarely responds to a single fix. It responds to time, structure, and small decisions made in order.
That is the premise behind every lesson in this program. We are not interested in dramatic turnarounds. We are interested in steady, repeatable ground.
Why people choose this pace
Built for how recovery actually happens
Paced, not rushed
Each week introduces a single concept. There is time to sit with a decision before the next topic arrives.
Structure over guesswork
A fixed sequence of topics replaces the scattered advice that often follows a sudden loss of income.
Guided, not lectured
Sessions are small enough for real conversation. Questions are answered in context, not in generalities.
Room for setbacks
Recovery is not linear. The program is built to absorb a missed week or a change in circumstances.
The curriculum
Four tracks, one shared foundation
Every participant begins with the same foundation module. From there, the sessions branch toward the situation that brought them here.
Job Loss Track
Adjusting a budget around reduced or paused income, and sequencing which bills matter first.
Illness & Medical Leave Track
Working through medical costs, reduced work hours, and the paperwork that comes with both.
Divorce & Separation Track
Separating shared finances, rebuilding an individual budget, and planning for new fixed costs.
