It’s knowledge people in the work place need to reduce financial stress and financial wellness programs can help them improve it. Over 40 percent of employees are too worried about their financial situation today to think about the future. This Financial literacy opportunities offered by Sanlam through Avocado vision are the right tools to combat and help overwhelmed employees to deal with their financial situation. In this case Debt Management.

In the month of August I've been training Imvelo Yethu in remote schools of Mount Frere where the nature is amazing but is in a bad state because of negligence caused by the communities because of lack of knowledge on how precious are the natural resources and that they can live a better life if they can start recognizing themselves as part of the Ecosystem . In all the schools the students have shown an interest and at the end of each training they took a decision of making a change which some of the schools have already taken an action towards their decisions Some have met with their Chiefs and Headman to express how they feel about watching elderly people destroying the nature and have urged them to work with them to save Mother Earth .In some schools the Headmen did attend the trainings and they were part of decision making and they've identified their points of departure in changing the situation. With all the schools I've trained we've decided to have an INDZALO YAMABHACA competition meaning the Nature for Amabhaca Tribe which will be our biggest environmental awareness campaign on different topics in the Imvelo Yethu facilitator's guide , we've not yet set the date as we're still seeking the donations for prizes , we also hope this will continue in the next years to come .We will host our UMFULONGATSHI WATER WEEK meaning the rivers will never dry up again where we will be cleaning the streams and testing water and we've invited the Umzimvubu municipality Mayor , all councillors and DEF as we hope to work with them in future as we start this journey to save INDZALO YAMABHACA ( Amabhaca Nature ). This training had a huge impact on the communities and students and we hope to see the change in the future which we will be proud of .

Herewith the picture of the employees that attended the training

Training Money fosho to the community is so relevant to the people because of the change of economic dynamics with in house holds, and the growing of banking scams and that our people need to understand the insurance industry the risky business

Training people especially about program like money fo sho is not easy because at first they don't understand the content untill you start training them. I always feel happy and helpful after training.seeing people happy and start talking about money differently.

The journey has been quite amazing even with some challenges relating to the pandemic. Some related challenges were having to find a venue that is conjusive to covid 19 regulations, minimum resources when training other districts within the Free State.

I was training Kagung Community on Clientele Money Fo Sho Financial Literacy. We had a great session and participants asked relevant questions and they were engaging on all topics. Thanks to Clientele/Avo Partnership for making it possible for us to empower our communities.

Training online was and it is still a great opportunity and it has so many challenges more especially we are not subsidized with data and Loadshedding has to be a factor in so many cases you end up canceling sessions

Metropolitan This is the most exciting training for the young ones. I wish I received this training when I was young because it motivates. Most school learners who attended this training thought business can happen once they have completed school. However, some were already in different business and the training helped them realised they were on the right track. A lot of business ideas were shared. After the training I continued to support those who needed more information. This training will make a great impact if it can be face to face. Teahcers were happy about the programme. Most of the learners I trained were from Mbhudula High and Dr Nembule. Challenges Mnay sessions had to be cancelled because learners were not responding. Some session took more than 3 hours to allow learners to respond as they were disappearing during the session.

Sanlam Budgeting basics The training brought light to many participants as they thought budgeting is for people with a lot of money or have stable jobs. The training came at the right time when some people have lost jobs or salaries cut. Sharing budgeting tips made them realise that there are other means to survive the lockdown. It was touching to hear participants sharing how Covid has affected their lives financially but towards the end they realise they can start some small businesses to make ends meet. Modular training I had 1 group from the organisation called SAPWA which i trained on 6 modules. It was training people who are employed and some had small businesses. The popular module was boosting income and many tips were shared. It feels to see people identifying opportunities from their communities. This is proof that people lack information to make sound financial decisions.