I had the opportunity to train with the CWP group one from Clarens and the following modules were covered My Budget, saving and investing, money safety and managing debt. The group is part of the community driven government program to provide a job safety net for unemployed people of working age however in the group there are still elders who are pensioners working under the programme to extend their income. General challenges noted during the sessions were their monthly income is roughly R960 therefore, we stayed a little longer on the topic MY BUDGET trying to medge between their income and expenses as most of them they are only depended on their salaries and grants (child grants and/or pensioners grant and about 3 disability grant). The expenses are more higher than their income Moreover it is not easy to have savings and investment accounts and this situation sometimes forces them to poorly manage their debts by default to arrears due to low or no payments. At the same time we discussed how one can balance between money coming in and money going out by cutting on expenses and managing debts by prioritising needs before wants, monitoring budget plan before receiving and after receiving money. Again the highlight was starting to save the little that is spared slowly considering the account with high interest rate and correct type of interest rate, furthermore keeping up to date with those small accounts to grow their credit score. In conclusion we briefed since their working schedule is 8 a month - 2 days a week, individuals of working age can find another temporary jobs for the 3 remaining days a week while others suggested a smaller business on side to add on their income list and lastly participants were thankful that they now know it's not about huge amount of money, any amount is manageable,.going forward they will do better.