Firstly I had good coordination of training from group of Social development officer from Social development department for which I integrated my sessions within their respective program and target. I had opportunity to train community on financial literacy skills and gave them knowledge as they were also showing sharing experiences understanding when participating in groups. The training was appreciated for the insight knowledge it brings to Individuals about financial skills undustanding issues like budgeting process and their behaviour on money and saving and investing the good identify need and wants. Financial literacy help to understand unforseen circumstances and deai with risk including funeral, management debts so this is boost to their lifestyle Apparently most people are unemployed they are leaving by doing garden, cooperative, child care, after care centres as they are community within this social community officers are coordinating Issueng of certificate was highly recommended and wish training can be coordinated to other districts

Khumo Capital took place in ASHTON Zolani Location, it a privilege to get this opportunity, the people of Zolani has a lot of business ideas but lack of information about how to keep safe, that makes some of their business don't go forward, they are in need of entrepreneurship skills and business management.

Sanlam MM took place at the community of Villiersdorp and Ashton it was a great opportunity for the community to have free financial skills, some of the community members are employed some are unemployed and some are still students. The training was very helpful in these communities and to see how they understand the ways of keeping safe, it shows the importance of the work we do in our communities, especially to the students that are still going to experience the adulting, it seems like they are ready for any financial challenges, the Councilor of Zolani location in Ashton is very happy to see that I always bring opportunities for this community and is willing to introduce me to other towns like Montague,Swellendam and nearest towns.

Long-Term Benefits of Financial Literacy for Young Individuals Financial literacy is vital for young people, as it equips them with essential knowledge and skills to navigate their financial futures. The long-term benefits are far-reaching, providing a solid foundation for financial stability and independence. Here are some key advantages: 1. Informed Decision-Making Financial literacy empowers young individuals to make informed decisions about budgeting, saving, investing, and managing debt. With a deeper understanding of financial principles, they can differentiate between good and poor financial choices, which is critical in a world filled with various financial products and services. 2. Improved Financial Management Learning financial concepts allows young people to manage their money more effectively. They gain the ability to track their income and expenses, set financial goals, and create budgets. This practice reduces financial stress and leads to better overall financial health. 3. Avoiding Debt Traps A strong understanding of credit, loans, and interest rates helps young individuals avoid high-interest debt traps. By making smarter borrowing decisions and managing debts responsibly, they reduce the risk of falling into financial hardship. 4. Long-Term Savings and Investment Financial literacy stresses the importance of saving for emergencies and retirement. Young people who grasp the concepts of saving and investing early are more likely to build wealth over time, providing a secure financial future for their later years. 5. Enhanced Confidence and Independence Understanding personal finance boosts confidence. Young individuals feel more capable of handling unexpected expenses and planning for long-term goals, cultivating a sense of independence. This is especially important in an increasingly complex economic environment. 6. Preparation for Wealth Stewardship Financial literacy prepares young people to manage inherited wealth or assets effectively. Without this knowledge, inherited wealth can deplete over generations. Educated individuals, however, are better positioned to preserve and grow their financial legacies. 7. Economic Empowerment Financial literacy contributes to broader economic empowerment. By managing their finances wisely, young individuals can take advantage of opportunities, contribute to their communities, and help reduce economic inequality. In conclusion, the long-term benefits of financial literacy extend beyond just immediate financial management. It helps young people make informed decisions, manage their money efficiently, avoid unnecessary debt, and ensure a secure financial future. Through these skills, they can navigate the complexities of personal finance with confidence and achieve long-term financial success. Ndodesizwe Mayekiso

I had the privilege of working with different community members and municipal employees of which all the session's attendance was satisfactory and the level of engagement with the participants was fruitful. One outstanding story came from Mr Mokoni who shared his experience with how the NCA and NCR are not protecting the rights and privacy of the consumers instead allow credit providers to use consumers credit profiles to their benefit and provide them with credit without proper affordability checks. When repayments are not made their actions becomes unbearable by unfair blacklisting , judgement and even repossession with considering their financial conditions beforehand.

A Report after an impactful trainings that took place in different communities that are faced with poverty and unemployment yet many people are able to make a leaving and many survive with Grant's from government. many individuals loved the training and wish for many more Workshops. I had an opportunity to train Clientele project and Safrican both programs of the financial literacy education did an positive impact to the community members as many did not know snow ball aswell many didn't do their Budget because they thought you need salary not income. All sessions were interactive , attendance was as expected and we had to turn other participants back . What turned out to the community was getting certificates and free workshop it was a blessing said few community members. They asked us to spread the workshop to all the part of South Africa

Avo vision hosted an interactive session regarding teaching children about Money, the participants voiced out their challenges when it came to interacting with their children about Money and the children were also doing the same but all in all they found the new found knowledge insightful, The workshop attendees were thrilled to gain practical insights on managing their finances and reported a significant shift in their perspective on money, enabling them to approach financial decisions with renewed confidence.

Avo vision held a workshop for young people regarding their viewpoint on money and how they manage and interact with it,the session also included members of the LGBTQI forum. The workshop attendees were thrilled to gain practical insights on managing their finances and reported a significant shift in their perspective on money, enabling them to approach financial decisions with renewed confidence.

I had the opportunity to conduct training with Community Centre were most participants were male. The session was so exciting when they share their experiences when it comes to their financial status, but the outstanding story was shared by Tshediso who mentioned how South African credit laws differs from Botswana were he grew up stating that the NCR and NCA doesn't necessarily protect the consumers but instead favours the Creditors who provide unsecured loans and revolving credit without proper affordability checks that leads consumers into indebtedness and unfair listing.