Cor-1519 Financial Skills-Money Fo Sho' Training in Site B Y-section (deep informal settlement of Khayelitsha) was incredible. Due to people going home for holidays, the attendance was not as good as expected. But it was compensated by the interest and participation of the learners. The learners' responses indicated a sense of revival and it was as though we have had ignited a sense of looking back and understanding people's initial dreams as well as giving a way forward. Being in such environment I believe, can possibly compel one to forget who they are and what they would want to achieve in life...However, by just being there and giving me them hope through the session, it felt like we had merely reminded them..funny I don't go to church, but the circumstances forced me to train in the church..

Cor-1574 Financial Skills- Money Fo Sho' Training in Town Two Khayelitsha was amazing. The attendance was 37 enthusiastic learners who chose to attend instead of the planned engagement with the Minister, therefore I knew right there and then that Avocado Vision is bound to create gigantic waves in Khayelitsha and I felt really proud.

Cor-1519 Financial Skills- Money Fo Sho' training in Greenpoint went well. I was welcomed by the community leaders of the area including the councillor. We had 24 learners who were very appreciative of the session, some were self-esteem. employed people who indicated their pride now that they have certificates and knowledge to show off to their associates. However, the majority was if young aspiring business men and women, who felt like the session would give them the wings to fly..

Training at Orange Farm yesterday went very well despite the weather. I think I have fallen in love with pensioners the way they are so inquisitive. It was my first training and my group was so cooperative and they all left at the end of the training. Some were not pensioners but they were all committed. The training was conducted in one of the participants' home so groups were in different rooms but could reach all of them by standing at the centre of the house.

Coronation T3 was inspiring and emotional for me at the same time .Meeting fellow trainers and hearing how far they are with their training business inspired me and gave me the motivation to pull through no matter what.thank you Coronation for giving us the opportunity to go into our communities and make impact .

Session date 2017/11/30 Great workshop

Hi, I am Thembekile Spogter residing in Steytlerville, Sarah Baartman District in the Eastern Cape. I was selected to be a trainer for Avocado Vision on the Coronation account, thus I attended a 10 day workshop(13/11-24/11/2017) it was quite an experience and an eye opener for me, as I gained useful knowledge and met very inspirational people as well as acquired new skills, for me it was a good learning curve. I believe that I will be able to make an impact in my Community by imparting the knowledge, skills and experience gained during my time of training more especially the Managing my money, Credit and different saving techniques. I am very grateful for the opportunity that I was given to grow myself as an individual and my business.

T3 feedback It was a fruitfully gathering with ather organizations having same vision. The gathering started with warm welcome on the 20/11/2017 where Avo organized a brai in appreciation to all training partners. Day 2 all CEO's meet with Jules in briefing and follow up in our organizations as training partners of Avocado Vision. It was a great experience, motivating and learning session from other organizations. Lastly we meet with AVO OPS team explaining the procedure they use and their expertise from us as facilitators.

What I will be transferring in my community and those surrounding ones! Banks and other institutions are engulfing consumers with credit opportunitiesthe ability to apply for credit cards or use credit checks to pay other credit balancesand without the proper knowledge or checks and balances, it is easy to get into financial trouble. In past generations, cash was used for virtually every purchase. Today, cash is rarely used. The way we shop has changed as well. Online shopping has become the top choice for many younger shoppers, creating ample opportunities to use and overextend credit, an all too easy way to accumulate debt, fast. Many of these consumers have very little understanding of finances, how credit works and the potential impact on their financial well-being for many, many years. In fact, the lack of financial understanding has been motioned as one of the main reasons behind savings and investing problems faced by many South Africans. What Is Financial Literacy? Financial literacy is the confluence of financial, credit and debt management and the knowledge that is necessary to make financially responsible decisionsdecisions that are integral to our everyday lives. Financial literacy includes understanding how a checking account works, what using a credit card really means, and how to avoid debt. In sum, financial literacy impacts the daily decisions an average family makes when trying to balance a budget, buy a home, fund their childrens education and ensure an income at retirement. A lack of financial literacy is not a problem only in emerging or developing economies. Consumers in developed or advanced economies also fail to demonstrate a strong grasp of financial principles in order to understand and negotiate the financial landscape, manage financial risks effectively and avoid financial pitfalls. The level of financial literacy varies according to education and income levels, but evidence shows that highly educated consumers with high incomes can be just as ignorant about financial issues as less educated, lower income consumers. Although in general, lower income individuals tend to be less financially literate. And it seems consumers are hesitant to learn. Why It Matters Financial literacy is crucial to help ensure consumers save enough to provide adequate income in retirement while avoiding high levels of debt that might result in bankruptcy and foreclosure. Conversely, those with low financial literacy borrow more, have less wealth and end up paying unnecessary fees for financial products. In other words, those with lower financial literacy tend to buy on credit, and are unable to pay their full balance each month and end up spending more on interest fees. This group also does not invest, has trouble with debt and a poor understanding of the terms of their mortgages or loans. Even more worrisome, many consumers believe that they are far more financially literate than they really are. And while this may seem like an individual problem, it is broader in nature and more influential on the entire population than previously believed. Financial literacy is an issue with broad implications for economic health and an improvement can lead the way to a global economy that is competitive and strong. The Bottom Line Any improvement in financial literacy will have a profound impact on consumers and their ability to provide for their future while avoiding the pitfalls of debt. Recent trends are making it all the more imperative that consumers understand basic finances because they are being asked to shoulder more of the burden of investment decisions in their retirement accounts while having to decipher more complex financial products and options. The tasks are not easy but a better understanding and more knowledge can ease the burden tremendously. Ndodesizwe Mayekiso

My community is a vulnerable one with less awareness on financial literacy with this financial literacy programe i will be able to educate my community about all the contents of this programe . With all these projects they will be able to use their income wisely and refrain from unnecessary spending from now on they will be able to proiritise on their needs and wants , be wise about credits , wills and their saving and invest more for the future and save torwards their goals when they are able to budget . For my community this is new and will be of real help . Thank you again to Coronation and Avocado Vision