{"id":18891,"date":"2026-07-31T13:26:09","date_gmt":"2026-07-31T11:26:09","guid":{"rendered":"https:\/\/pou-cakovec.hr\/?page_id=18891"},"modified":"2026-07-31T13:28:04","modified_gmt":"2026-07-31T11:28:04","slug":"barvalo-budgeting-awareness-responsibility-for-valuable-opportunities","status":"publish","type":"page","link":"https:\/\/pou-cakovec.hr\/en\/projects\/erasmus\/barvalo-budgeting-awareness-responsibility-for-valuable-opportunities\/","title":{"rendered":"BARVALO: Budgeting, Awareness, Responsibility for Valuable Opportunities"},"content":{"rendered":"[vc_row type=&#8221;full_width_content&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#9bd6fd&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;5%&#8221; text_color=&#8221;light&#8221; 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column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; shape_type=&#8221;&#8221; gradient_type=&#8221;default&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/4&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; offset=&#8221;vc_col-xs-6&#8243;][vc_column_text css=&#8221;.vc_custom_1693774789450{margin-bottom: 5px !important;}&#8221;]\n<h5>Title<\/h5>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Budgeting, Awareness, Responsibility for Valuable Opportunities[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774795924{margin-bottom: 5px !important;}&#8221;]\n<h5>Acronym<\/h5>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]BARVALO[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774803158{margin-top: 30px !important;margin-bottom: 5px !important;}&#8221;]\n<h5>Ref. number<\/h5>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]2026-1-SI01-KA220-ADU-000460291[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693187384802{margin-bottom: 5px !important;}&#8221;]\n<h5>Program<\/h5>\n[\/vc_column_text][vc_column_text]Erasmus+[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774810263{margin-bottom: 5px !important;}&#8221;]\n<h5>Key action<\/h5>\n[\/vc_column_text][vc_column_text]KA220-ADU \u2013 Cooperation partnerships in adult education[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774822754{margin-bottom: 5px !important;}&#8221;]\n<h5>Links<\/h5>\n[\/vc_column_text][vc_column_text]n\/a[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/4&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; offset=&#8221;vc_col-xs-6&#8243;][vc_column_text css=&#8221;.vc_custom_1693774848231{margin-bottom: 5px !important;}&#8221;]\n<h5>Project value<\/h5>\n[\/vc_column_text][vc_column_text]\u20ac250.000,00[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774855874{margin-bottom: 5px !important;}&#8221;]\n<h5>Project duration<\/h5>\n[\/vc_column_text][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]1.9.2026. \u2013 31.8.2028.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774863228{margin-bottom: 5px !important;}&#8221;]\n<h5>Lead partner<\/h5>\n[\/vc_column_text]<div class=\"nectar-fancy-ul\" data-list-icon=\"none\" data-animation=\"false\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li>Ljudska univerza Zavod za izobra\u017eevanje odraslih in mladine Lendava (Slovenia)<\/li>\n<\/ul>\n <\/div>[vc_column_text css=&#8221;.vc_custom_1693774868075{margin-top: 30px !important;margin-bottom: 5px !important;}&#8221;]\n<h5>Partners<\/h5>\n[\/vc_column_text]<div class=\"nectar-fancy-ul\" data-list-icon=\"none\" data-animation=\"false\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li>Razvojni center Murska Sobota (Slovenia)<\/li>\n<li>Obrazovno kulturna zajednica Roma \u201eRomanipen&#8221; (Serbia)<\/li>\n<li>Udruga za obrazovanje Roma \u2013 \u201eUZOR&#8221; (Croatia)<\/li>\n<li>Romano \u010ca\u010dipe Skopje (N. Macedonia)<\/li>\n<li>Pu\u010dko otvoreno u\u010dili\u0161te \u010cakovec (Croatia)<\/li>\n<\/ul>\n <\/div>[\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; offset=&#8221;vc_col-xs-12&#8243;][vc_column_text]\n<h2>About<\/h2>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1693774908186{margin-top: 50px !important;}&#8221; text_direction=&#8221;default&#8221;]The BARVALO: Budgeting, Awareness, Responsibility for Valuable Opportunities project strengthens the financial literacy of adult members of the Roma community and works to reduce their economic vulnerability and long-term dependence on social benefits. It starts from the recognition that low levels of basic literacy, distrust of institutions and the spatial isolation of settlements make it hard for adult learners to access existing adult education provision, which is why the project brings learning directly into the community \u2013 through mentors who are themselves members of it.<\/p>\n<p>The main objective is to develop and deliver a financial literacy programme adapted to adult learners, covering personal and household budget management, saving on a low income, access to financial services, responsible borrowing, and recognising financial fraud and predatory lending. The programme draws on methods close to the way learning happens in the community \u2013 storytelling, personal narratives, visual and audio materials, and practical everyday situations.<\/p>\n<p>The project provides for the training of 20 mentors (five from each partner country) who will deliver the programme in the settlements, the development of an online MOOC platform and open educational resources (OER) adapted to users with low digital literacy, and the production of a methodological handbook for mentors. The content will be available in seven languages \u2013 Slovenian, Croatian, Serbian, Macedonian and English, and two Romani dialects (Romani chib and Boyash). Piloting in four countries will reach at least 100 adult learners, and the project results will be translated into recommendations for including financial literacy in education and social policies.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; top_margin=&#8221;3%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;15px&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;padding-5-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/4&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][image_with_animation image_url=&#8221;9749&#8243; image_size=&#8221;full&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221;][\/vc_column][vc_column column_padding=&#8221;padding-5-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;3\/4&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or Centre of the Republic of Slovenia for Mobility and European Educational and Training Programmes \u2013 CMEPIUS. 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