Sanlam money fo'sho trainings are having a huge impact on my community because I've been training people with small businesses,they feel happy and content about saving their hard earned cash,investing in thief businesses and their children's education

I would like to share my report of the Sanlam money fosho project which I was busy with at ext 10. First of all the area I trained in it is an informal settlement area and so many people are unemployed, others are owning small businesses. It was a great experience to train the young and old about unforseen events, how to manage Debts, and Banking aswell as how to manage ones personal finance. They community accepted the training and they even asked for indepth modulers. Every day I had massive numbers and many to they don't have phones. And the area has no electricity. They do have water and sewage. Attending the 6 hour training and getting certificate from Sanlam it was so grratfull and many promise to change the behaviour. And to start afresh. The area has so many mashonisa illegal leaders

Cororaton money fo sho modular was done over 9 modules and many people appreciated the new information as it enables them then to take informed decisions regarding their finances. The risk module and credit did speak to their challenges theg were experiencing, boosting my Income reinvigorated their spirit of vukuzenzele and ageing in grace actually brought the possibility of saving for retirement without having a formal job, So the training really empowered my participants to behave better in future financial dealings

I would like to thank you for the opportunity to Avo and Coronation for the great opportunity of making the training possible as much as we are faced by the pandemic covid 19. The Covid 19 safety training which we trained in each and every one participant and it was so informative and The Learners were so thank full off the 12 Modules which they had to attend and it was so free and they made shore that they book the dates and our classes were full load everyday I had 32 people and the were days I had to turn back other walk in as wee were using the booking system. All modules were so informative and useful to the learners as many were unemployed and after module 10 we had people who had started the small businesses which was so fantastic. Group dynamics we had older and young people and others they were once employed and other never employed before. Which makes the learning interesting everyday

Online Streetwise Finance was not easy for my participants because it was something new, the challenge was the name Online, was such a big name, even if you explained to them it's data free, but at the end they manage to do the training.

Money module financial literacy, was held at Moreson Trust farm, I trained two groups, Xhosa speaking and Afrikaans speaking. The challenge was, the training should be done in two weeks time, I had to push and do 2 sessions per day, Farm workers need a lot of information because most was new to them,lot's of hidden information, I so wish Avocado can approach the farms in the Western Cape, most of the people are living in the farms after they retire, they've been through out with 0cents,no provident funds, only the UIF, it is very sad to find out there are still lots of farmers in the Western Cape doing the same thing. They really enjoyed doing this training, and they ask me to bring more information, Covid-19 was not a big challenge to them, because in the beginning of Covid-19 I shared all the Avocado vision pictures, that we shared on the group, so that they can print out and teach their workers, this training brings financial freedom to them. Thank you Avocado vision and the team

So far so good everything is going so good and the community is enjoying Money fosho. Many are unemployed who attend the Program. But what is good everything is going so good. I have been offering breakfast and Lunch in my sessions

Imvelo yethu I did trainings at Gwadu where I was finishing the number of learners who could not attend training. I also trained community care workers who work with people living with HIV and AIDS. Lastly I trained learners at Luvisi area in Inquthu. The training was so relevant to the learners in such a way that the principal quickly organized learners even though I didn't make any appointment. I started by having a talk on Covid19.The area has rivers but does not have water. The level of land pollution is very high. I had to emphasize on how we can turn things around by protecting our nature. Even though I trained grade 12 only, I promised to go back as the challenges are affecting the community.

1. ENJOYED SECTIONS The most enjoyed modules were banking , saving , investments and retirement. The trained people are people working on contract on community projects lasting from 6 months to a year so they don't consider saving , investment and retiment preparations as their options but for people earning real money not stipend as they do . They normally open savings accounts for their wages whuch they dont fully understand what they're paying towards it as it's the only option given to them by bank consultants , they don't know how to read tjeir statements for them statements is for checking if theyve been payed month end . Coming to bank services they're not aware and this training have given them information on how banks operates. Investment and preparing fir retirement is not even an option for them but after this training they think better , the other issue raised by them is they over invest on stokvels which they end up not getting anything as they fail to pay montly contributions or they've loaned from the stokcel and can't pay back . CHALLENGING SESSION BUDGET This was the most challenging for them as they refer to their grocery list as budget and as we were doing the budget they were forced to face reality and be honest with themselves most of them find out they're left with nothing from their wages . It took us for a long period to finish this section as they're required to excercise this and most of them are illiterate so they loose interest but doing doing rounds helping them individually helped them at the end they so the importance and they were enthusiastic and prepared to sgare this with their families . IMPACT These candidates they now know bank procedures , what to expect when visiting bank branches, which account is suitable for them , they'll start saving and investing tiwards their kids education and are prepared to go take out retirement products suitable for them. When lending they'll be lending responsible aware of the interest to be paid what other options the have . From noe on they'll be saving for the future .

SESSION ENJOYED The most enjoyed sessions were Ecosystem and Water cycle at first these kids didn't understood the connection between human beings and ecosystem we then digged deeper on the relationships and roles played by each member of the ecosystem community, we identified living and non living things and where human beings fit and what role we play in the system . Formation of clouds, types of clouds and how are formed then focused on the rain cloud this will then enable them in the future to predict whether there will be rain or not by reading the clouds , role palyed by indigenous forests in cleaning our air and water cycle how they can be used to rehabilitate damaged members of the ecosystem .How can they see pollution through clouds . How can we prevent tornadoes, cloud bursts . 2.BIOLOGICAL INVASIONS School kids they don't know about invasive species they think these species are part of our indigenous community which must be protected . We went through each invasuve within our space identify advantages and disadvantages their common names and name backgrounds. We took one popular invasive which is planted in every home in our villages THE QUEEN OF THE NIGHT which these kids believe it's a medicinal plant , we also looked closer on other invasives which we see destroying our own indigenous plants , rivers and rangelands . I think more education needs to be done on INVASIVE SPECIES . 3. IMPACT DONE After we've done the do's and don't activity , start and stop activity 3 projects in each school were identified . Planting of indigenous trees around school yards that are nearby wetlands which they believe will help in rehabilitating these wetlands , waste management projects which will see community members taking responsibility in waste management in an endevour to save our rivers . Voluntary wattle clearing projects which will see the recovery of agricultural land. We are hoping that the department of environmental affairs will assist in assuring that these projects survive and soread to other communities. Our encouragement comes from knowing that RIVERS ARE MY BLOOD VEINS , TREES ARE MY LUNGS , BAD THING I DO TODAY TO THE ENVIRONMENT THE ENVIRONMENT WILL THRIW BACK TO ME ONE DAY .