Story
By Charles Mokoena
Clientele
Bojanala’s Plight, Economic Survival and Renewed Hope
Bojanala continues to face serious socio-economic challenges, including unemployment, rising living costs, over-indebtedness, limited savings, inconsistent service delivery and the growing threat of illegal mining across its local municipalities, including Moretele, Madibeng, Rustenburg, Moses Kotane and Kgetlengrivier. For many households, economic survival is a daily reality. Yet, within these challenges lies a powerful lesson: knowledge can become a tool for survival, dignity and transformation.
Through the Avocado Vision and Clientele Money for ’Sho Financial Literacy Programme, communities received more than four days of training—they received practical knowledge that could influence financial decisions long after the programme ended.
Across Kromkuil, Madibeng and surrounding communities, participants learned how to budget, manage money, avoid unnecessary debt, save, use formal financial services responsibly and make informed purchasing decisions. Personal testimonies from Pastor Ndlovu and Mme Anita demonstrated that financial transformation does not always begin with having more money; it can begin with using what you have more wisely.
Pastor Ndlovu shared how, despite earning a steady income as a church leader, he often found himself struggling financially due to poor planning and untracked spending. He explained how he would prioritise church needs and community requests while neglecting his own household budget. After the training, he hopes to set clear financial boundaries, plan monthly expenses in advance, and separate personal and ministry funds. This shift can bring greater stability to his home and allow him to support others more sustainably.
Mme Anita’s story was equally powerful. She arrived in Johannesburg with nothing but determination and began selling small items informally to survive. Over time, she learned to reinvest her profits, keep simple records, and avoid unnecessary borrowing. Through discipline and consistency, her small trading activity grew into a reliable source of income that now supports her family. Her journey reminded participants that resilience and resourcefulness can open real pathways to independence.
An important lesson that resonated strongly with participants was the need to keep funeral expenses within a realistic household budget and avoid extravagance. Funerals are important occasions of dignity, remembrance and community support, but participants learned that honouring a loved one should not leave surviving family members burdened by excessive debt.
The programme therefore offered an important alternative narrative to the economic pressures confronting Bojanala. Where unemployment and illegal mining can create desperation and risky choices, financial literacy creates awareness, discipline, hope and better choices. It does not eliminate poverty overnight, but it equips people to take greater control of their financial futures and make responsible decisions even during difficult times.
We sincerely acknowledge Moretele Councillor Mothusi, who spearheaded the planning and coordination of the entire training programme. His leadership and commitment to bringing this intervention to the community played an important role in creating the platform for learning, participation and renewed hope.