Learners got a shock to discover that most of the time they were just spending money without taking into account family short, medium and long term goals. Their budgets were most of the time addressing short- term goals. The other issue that they expressed a shock at was their ignoring and not only ignoring but putting more importance on funeral insurance. Most female learners were all in agreement that after the passing of spouse as breadwinner families faced difficulties because there is no more income. They never saw the importance of life cover. It was only after the module on insurance that they expressed mind- set change regarding having both funeral and life cover but life cover being a priority.Here are some of the learners displaying their certificates. They insisted to take this group photo to show their families off their achievement.