It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.

It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.

It's always easy to assume that rural villages people are not capable to manage their finances but when you get to know and live with them you soon realise that it's not ignorance it's lack of knowledge, When they receive financial literacy trainings they engage with passion as they relate more in these topics and they've been willing to change and find solutions . Knowledge is always power and a game or life changer . Financial life for the participants will never be the same as they'll be applying knowledge gained in the trainings. Thank you to Sanlam and Avocado Vision for providing these trainings to unreachable villages .

SANLAM MM and MFS took place at Villiersdorp community and at the School, it was quite interesting for the school to have such training in their school, the community of Villiersdorp is busy dealing with their debts which some of them confirmed that they are no longer having debts, that shows that what we serve to our communities is more important than we think, thank you Avocado and your team.

Sitting with one of the community leader's and some participants at Platfontein near Kimberley. We had some great conversation around what impact the financial literacy training will have in the community and how it will change their pespective. Platfontein one of the cmmunities that are often faced with racially insensitive financial, systemic or service policies, despite legislative efforts to correct these practices. Thing's like having a good idea or even a good credit score and are refused to access funding from banks. Financial education is an integral piece in the systemic oppression around access to capital for Native communities. In our conversation I have discovered that native individuals are also the least likely of any minority group to have emergency funds or a banking/checking account of any other minority population in the nation. So Native families wouldn’t have access to the emergency loans necessary to keep families housed, fed, and safe through the pandemic crisis and its recovery period. Given this context, Native Communities are disproportionately challenged in creating generational wealth and passing down financial management knowledge to future generations. Financial education is important for our Native communities because we are building the foundation for lasting generational financial sustainability. Our traditional cultural practices are rooted in sophisticated resource management. When we bridge these practices with western financial management, as seen in our Building Native Communities suite of financial education curricula, Native families take traditional skills and modern financial language to navigate the "western economic systems". Unfortunately, financial education is not the overall solution to the barriers of financial inequality for Native communities; it is a stepping stone on the long path of creating equity in South African economic system. A lot of interventions are needed in our province, the Northern Cape.

This workers from cwp were so greatful for the opportunity. This is what they took from the training and will work on. With financial education programs, the employees can manage their previous debts while effectively taking care of their current expenses. They can further understand investing & budgeting which will also help in planning for retirement in the long term. In addition, it can help them save taxes and maintain a good credit score while avoiding financial fraud. It’s easy to see why employee financial education is becoming a benefit that businesses, organisation and govenment programmes across the country provide. It not only assists employees where they are most needed but also directly benefits the company through increased focus, better morale, increased productivity, and lower health costs. The supervisor said these training are help the project cos less people stay out of work. They see a sense of ownership, the morale and the confidence of the workers is high since the training.

Money module is related to the daily challenges faced by our community it addressee direct impact on issues affecting mostly our youth, women, employed and recently retrenched trying to get balance to new lifestyle to survive in adopting to get directions. This brought interest to topic like boosting income and expenditure. the training give good advice about managing budgets and investment. Most people are being scàmed and fraud everyday one example of tender scam happened in mine which is trending now the fraudsters invite people to come to provide services like fancinga and security your invited to attend briefing session on arrival you are requested to pay for safety uniform they take your car or kill you. The training outcome is important and impacts is good to assist community realise their dreams and goals to achieve and survive More training required it is advocated by how people can bring feedback about it important and give value to community

Money fo sho training gave good impact community through we had a challenge because it was Sassa pay week we had to change some of vanue . It still well received appreciate. The outçome of the training is advocated by how people feedback about to change their lives start using the budget and be àwere how important to know the needs and wants in budget . Always topic on managing risk take a toll because it affects most people. So it takes time than it is allocated and also interested is on managing credit . The training is still relevant and informative and useful it impact well to its recipients Keep it up try to get more target as more people still need this training.

I was training in Hammarsdale,doing modules 1-5,My highlights would be that the participants want to really invest their money in the different savings/investments,especially the RSA retail savings bond and the Endowment policy.So much so that they actually came back with more information for themselves and questions to verify that information.Module 5 was also a hit because it had to mostly do with business,most of the participants wanted to begin their own businesses,this module had a huge impact on them,took us more than the allocated time due to the interest that they had shown.All in all,the sessions were a success and more people have been calling asking for the next class,after hearing from the others that it went very well.

Coronation MFS & MM financial skills program. I ran this training in the rural area of Bothas Hill and I was very happy that the majority of the group was the youth and we had few older people who I thought will make the session more interesting and fruitful. The youth were overwhelmed by the knowledge on personal finance/ financial health we shared and they were more interested on the good saving methods that are out there to make then prosperous sooner in their life journey. The interaction was amazing as the older participants shared their sad earliest memories with money which mostly occurred because of lack of Financial literacy. The highlight of the day was when I did a practical example of a long term goal set for a child's tertiary education where the plan started from when the child was in Grade 8, the calculation of the estimate of how much should be saved just to cater for the registration fees at varsity/ collage. They were all shocked by the little amount that their parents should have saved monthy to get them to tertiary and some were emotional as their parents told them that they cannot afford to take them to varsity back then when you only needed the registration fees. This really showed how financial education is important in one's life, a life skill indeed! At the end of the session I was excited that the session had a positive impact on all age groups especially because such opportunities are rare in the rural areas, some of them even sent me messages to express their gratitude!