This is an inspiring story a young lady by the name of Faith modise as told by herself after attending the money fo sho financial skills training in Marikana. Faith is part of agricultural production learnership program offered by the Marikana youth development organization of which i am excited to work with them and train them in financial literacy. "My experience with money was in very young age when I was in grade 7. At primary school we would have market day, so I told my dad and he bought for me popcorn seeds. So I made popcorn and sold them on market day. This was an opportunity given to me to make money and have profit on at a very young age. However because I was not money wise I ate the profit and never had the desire to sell again. Now that I am grown up its when I realized that being money wise its important. In my youth days I made poor choices regarding money, living way beyond my needs and spending money not important and not thing I really need. I decided to attend this training so that I can learn about money and not make the same mistakes as in the past and so I can be able to teach people around me to be money wise. Money Fos sho has opened my eyes to be money wise and learn how to handle my money. I am greatful to be part of this training".

Another exciting session with Antoinette been part of our session yesterday. Though the venue was an issue but participants were willing to wait till the alternative venue was availed. Concerns raised were getting their budgeting skills right and how credit has affected their progress in life. How greatful they're to receive such sessions since covid has impacted their savings and expenses

Clientele just brought the relevent information which the public is Ined of. The week we started training it was raining so much and many people came in numbers but we started late. The other critical Information wich many they never new planning for a funeral aswell as the Estate got people talking

Clientele Money Fosho is has been recieved well by the people. as much as we had more of challenges of which we were able to overcome and the rainy weather made our Businesses of training and the late coming late.

One of the things that I have realized about these community trainings is that you can only train so many people within your community, you are then as a trainer left with the decision to spend a bit on your budget to reach other areas. With the Hollard training I decided to train in Coffee Bay (Mqanduli) in the Eastern Cape, this was because I have been working closely with the OR Tambo District and they had asked if we could have more trainings in their region. One of the things that stood out for me was that it was the first time that a Company had showed interest in their community to develop them and equip them with day to day skills that could enrich their lives by changing their relationship with finances. Coffee Bay although remote it is a beautiful costal area that is underdeveloped. The community here is used to people coming to them wanting to exploit their land. The news of the training started spreading like wild fire, we could have trained for more than a month if we were able without struggling for participants but because it is a tourist friendly place the accommodation is costly. In every village we went to we had a welcoming committee awaiting us and thanking both Avo Vision and Hollard for identifying them for such a training. The funny part is that in every training the chief or ward councilor would appoint someone who would ensure that people were participating in the training. When I left Coffee Bay I was reminded of one of the objectives that Jules always highlights that Avo exists to create footprints, the level of appreciation that was showed to both me and Sindiswa in this area surely we have left footprints. We used local people for catering and they were more than greatful for that little opportunity. It is unfortunate that we cannot reach all areas due to transport and accommodation costs, these trainings are truly a life line to so many people.

Sometimes we take for granted the opportunities that we have within our disposal whether its community opportunities or those provided by our families, this training was an eye opener in terms of how some areas in our communities are left to fend for themselves with little to no assistance from Local Government. Municipalities will at times build structures in an effort to alleviate poverty in a community but if those people are not given the skills to manage these opportunities, the structures are left untouched, this area was one of so many areas that are facing this predicament. The Youth of this area do not see anything beyond matric due to lack of information. The discussions during the training left me feeling both motivated and sad. I was motivated because through the Sanlam training I believe we unlocked some much needed food for thought for them, the participants were eager to understand how they could better utilize their current assets (vacant land and white elephant structures), those that want to further their studies were asking questions on NSFAS which is covered extensively in the Money Modular. I was sad because I could see how some of them have lost hope that they will ever have anything better than what they are faced with now. For the first time I realized that we are not just there for training, we are also there to give hope.

It was a very interesting week in a resort called Coffee Bay and Hole in the wall, on the Eastern Cape coast. Very beautiful Sea Views and yet very underdeveloped area. The establishments in the area mostly employs people from outside. There are no activities for the communities.Unemployment is a major crisis, Communities, Chieftaincies and the ward councillor highly appreciated the trainings and requested that we should come back with more trainings so that the youth can do their own projects and be able to earn a living.

The Community of Lindelani is a very disadvantaged community as it is also surrounded by farms. Main crisis is that, youth stay at home after Matric and there is nothing available to them either progressing to university or job opportunities. They highly appreciated the training as a result, we had a lengthy discussion after our session where we discussed how best they can group themselves and form businesses so that they generate income.

TSIBA ORGANIZATION AND RCS, The training was quite interesting because I was training business people, which don't have any ideas of saving and investing money, they learn a lot of ideas from Avocado vision and now they are going to start saving for their future.

Sanlam Money Modular was the best for the youth of Danielskuil Community. They couldn't stop talking about how the Programme changed their lives for the better. Indeed Avocado Vision and Sanlam did make a positive impact in people's lives.