I had the privilege of facilitating the Sanlam Money Fo Sho program in the areas of Steytlerville, Jansenville and Willowmore during October and November. I had a very successful sessions and the participants were enthusiastic and appreciated the training very much as they got exposed to new information or/and the old reinforced through the training. Budgeting seem to highlight my sessions as some are budgeting but end up not implenting it hence the importance they realised of differentiating between needs and wants and prioritizing items on your budget. The risk module also highlighted the need to assess your needs as it turned out that many over insured in some instances yet they were either under or not insured at all in other instances. The credit module also had people speaking as some did not realise how credit works and how much money is spent on credit rather than the item. Fraud and scams as always is a hot topkc as many people only realised during the training that they were being scamed and are spenfing money pn fraudulent stuff. The training was a huge success as it brought useful and relevant information to our people and hopefully they will follo through with their promise to change their financial behaviour and plan better for and the future