Davidene Saulse is a Grade 11 Learner at the George Secondary School was a participant in the Money fo' Sho training session, scheduled for 31 march 2025. She realized the importance of saving, even if it is a little money at a time towards accomplishing her goals for further studies. She was quite involved and asked a lot of valuable questions. Thank you for the opportunity to share this with her.

I had the privilege of working with youth that faced with financial challenges and opportunities,at the same time were other have negative feedback when it come to CR and NCA. Addressing sensitive issues of how the regulator unfairly dismiss their queries when it comes to unfair black listing and reckless lending

The session went extremely well, they shared how credit has impacted their lives especially when it comes to their earnings. They also requested that we do sessions quarterly for all the municipal employees because of a number of garnishes, administration, judgements and debt counseling.

I had the privilege to conduct the Coronation CFE with Young Center in Kutloanong were the most discussed topic was on their financial instability and the know how of improving their environmental and financial challenges.

Avocado Vision in partnership with Coronation I successfully upskilled 192 participants for financial life skills training program working with local stakeholders. The word budget it's familiar to many but their understand it's not accurate, Ayanda in explaining budget " budget it's when you put money aside to meet the target you Stated for a specific expenses". Some Who attended the session get to understand that budget " It's the plan of the money earned including your expenses and savings", it was a active youth showing enthusiasm towards the program. Some attended modules like: Money safety- Saving and investing, Scams and fraud, Thinking about retirement, my money and the text man and money and believe most of the information was new to many participants. Money and believe turned to debate because of different views in individuals and I concluded by saying " I know we have different believe based on Cultural believe and religious but it is very important to us Money wisely start with you needs, savings then wants. Don't be influenced by your cultural beliefs or religious to spend everything you work hard for and remain with nothing at hand"

0n 16 April 2025 i conducted a session on Money Fo Sho with the CWP in Eldorado park. It was great to see the young and old joined together and thirsty to learn more about managing their finance. most participants after the session commented on how grateful they are to have learned the importance of budgeting and writing their goals down and celebrate every mile stone as they achieve them.The older generation commented on how they wished they had learnt more about keeping the credit report good by not over buying stuff they dont neeed.they cannot wait for more training to come back in Eldos

touching story of twins and how they want to open an NPO to assist young entrepreneurs in dealing with their debts and make good financial decision unlike them.

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.

Ruzanne van Beulen is a woman that is suffering from Rheumatoid Arthritis. She has been released from work and is now receiving pension. She has a son on university that started his studies at the beginning of the year. She has attended the Money fo' Sho training on 14 April 2025 and has found tremendous assistance especially when it comes to budgeting and cutting costs in order to prevent expenses from being more than her income. This is assisted by prioritizing needs above wants. Please herewith find her comments in Afrikaans.

Had the opportunity to train community in Clarens on the 10th of April and the modules covered were buying big ticket items and money and beliefs, as we shared understanding on bigger items they classified cars and houses therefore trying to figure out their preferences we have noted down that most of our youth would buy cars for social standing and fitting in without taking into consideration factors like 1. the affordability of instalments 2. maintenance 3. Fuel cost and lastly the availability of their parts therefore we began breaking down the process of qualifying for a car in fact as determining one to be approved then compared with the breakdown of the budget to determine if one can really afford and the outcome was qualifying does not mean affordability. We then discussed the aspects to note down when you have decided to purchase a car basically explained the option of taking car finance or taking a loan to buy the car cash from dealership if only you are not buying the car cash from your own savings or pocket. same applies to buying a house you either take a personal loan or a home loan which is a bond then the relationship between the two is paying their car or a house with fixed or variable installment, residual psyment inclusive of its advantages and disadvantages explained we then did the calculations of purchasing a house on a 250 000 cost price house on a personal loan on 20% interest rate for five years and the breakdown of a 250,000 range house on home loan on 8% interest rate for 20 years and our findings were one has high monthly installment with lower total amount while the other has lower monthly installment with high total amount and lastly how one can decide to pay the same amount of personal to homeloan and the outcome was period of payment is even shorter. In addition the money and beliefs session was more of a conversation were participants shared their practises and the rituals they know of concerning the money. Lastly it is safe to say the individual said at the end of the session they rather prefer buying big ticket items for mobility and employment, career aspirations as well as considering the economic factors.