Training went extremely well and a lot was discussed on budgeting, savings and investments, but the most critical part was on Credit as the 2 twins Gracious and Gladys Mlambo shared their stories. How has credit impacted their lives due to them relocating to Joburg and had no choice but to buy furniture, clothing and rental on credit, but soon realise that their earnings were not enough to cover their debts and they lost their jobs during covid that made it worse. they are now owing closed to R100 000.00 on credit that they can't repay as they're currently unemployed and live on their parents grants.