My Training was in Hammarsdale township,Had a mixture of young and old,employed,self employed and unemployed participants.It was quite interesting,especially when we did Module 3 and 4.As a Trainer,I was caught off guard,when these modules proved to be a sensitive topic in my classroom.Tears were shared,experiences were shared.I realised that people do lack information and therefore are victims almost everyday.Module 5,was great,my participants were already in business mode,they had already started getting information on how and where to register their companies,they were full of ideas,they had already teamed themselves and had partnerships.Hopefully the next time I see them,they would be experienced business people.Hammarsdale is a big township full of different people from different backgrounds,so I think that maybe we also need trainings for people over 60,they came to the training showing interest,unfortunately because of their age,they couldnt be part of the training.

Hollard SWF was quite a challenge due to loadsheding, especially when it comes to reporting on Social collective, but out of all the challenges I managed to carry on with my trainings, this time of the year our communities are being robbed by different companies, these trainings empowered them, now they are aware of what to do and what not to do, the activities they do made things very clear and remind them in every financial challenge they face,I have empowered lots of farm workers, the only challenge we faced and I think is not only me, when we go to do trainings to some of the Farms, the management does not give enough time to train the people, I so wish financial literacy can be a worksite so that they can give us enough time to do the training, there is opportunity in the Farms I so wish Avocado Avocado can take a note of that, because it's a big challenge when it comes to recruit, by the way our communities enjoy doing training with Avocado, there is one thing I shared once, the long run of the the training is a big challenge. The community of Ashton is also empowered, the opportunity to train the community of ASHTON made the other organizations to be interested because they have lost of financially problems, my other challenge is sometimes I am working where there is no signal for my network. Thank you Avocado, Hollard and the team for always trusting us.

There is nothing fulfilling like making a difference to someone's life. This is what excites me more on these Financial Literacy sessions. I did a training on Sanlam Money Modular 8-12 to a community from Reunion Park and the surroundings. The participants were all members of the Old Apostolic Church who were eager to attend the training as I had done one for another group and the word of mouth went viral as I should think the money matters were a topic in their church and the organiser of the groups kept on asking me if we will still be training more as people are begging her for this fruitful session so luckily the opportunity to train another group came through. The highlight of the session was the part where one of the older ladies shared her painful experience of loosing everything she had because of lack of knowledge of the preparation of buying the big ticket items. I took more time explaining and giving information on this topic as I thought that whoever was present should not fall into that trap and moreover will share the information with others so that the society make informed decisions. The lady's story brought life to the discussion as we spoke about things that are happening to most people when they fail to pay for their cars and mortgage bonds and the consequences thereafter. I strongly believe that all participants will adhere to the tips shared in the session and their big ticket items will not be a burden but instead a life changer. The elders of the church were also present and they asked me if they can invite me to do more such sessions with all the members of their church as they felt this information is much needed by all members.

Learners got a shock to discover that most of the time they were just spending money without taking into account family short, medium and long term goals. Their budgets were most of the time addressing short- term goals. The other issue that they expressed a shock at was their ignoring and not only ignoring but putting more importance on funeral insurance. Most female learners were all in agreement that after the passing of spouse as breadwinner families faced difficulties because there is no more income. They never saw the importance of life cover. It was only after the module on insurance that they expressed mind- set change regarding having both funeral and life cover but life cover being a priority.Here are some of the learners displaying their certificates. They insisted to take this group photo to show their families off their achievement.

Providing local communities with basic financial literacy skills. The candidates were made up of unemployed youths, students and adults. Candidates saw this opportunity as something that they expected at school as content addressed day-to-day issues such as personal goal setting. The most interesting issue was the three subjects: budgeting, goal setting and insurance. The subject of insurance was the one where they felt that it should be taken to high schools. Most candidates expressed the fact that insurance has always been regarded as a scam and a way of cheating people. It was only after going through the two types of insurance ( short- term & long- term insurance) particularly importance of life cover because this has never been a priority hence most families would have more than two funeral policies and no life cover. It became a shock to discover that young couple with two to three children when the breadwinner passes away the surviving spouse struggles because they never had life cover to ensure that the family continues living.

Good Day I am reporting what takes place during the HOLLARD street wise finance. I managed to train a number of participants and experience had so many dynamics. I had different groups which were trained, trained a group of grade 11 and 12 Learners, trained unemployed community members a group of guys who are from re-hab this was a very insightful opportunity. Many of the people which were trained enjoyed the four modules of street wise finance program. All the groups had an opportunity to learn Basic skills which will help them to manage their finance. The community recommended that the can be follow up trainings may also empower them with other life's skills for example module 2 Banking ,learned and saving many people they are not informed as we know that information changes and it is updated now and again. Older people who attended the training wished that they were trained and informed about this information which was going to save them to be able to save and maybe invest to towards retirement.

It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.

It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.

It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.

It was so nice to have opportunity to train worksite for Public works once again, for is challenging to work with people of different backgrounds because it was a mixup with manager, artisans, labour's, EPWP and they differ in level of handling their matter and lifestyle. Also how they conduct themselves on handling their daily lives and debt. Majority confessed they are deep in debt and this kind of training is appreciated and relevant because it brings back their conscious on how to conduct themselves towards good life and debts free. It good highlights on credit score because the didn't know is easy to get it from NCR and understanding between Debt counseling and Administrators hance many of them have Garnished because of lack of knowledge and information before they engage into process. It was an argument that HR manager are not advising them so they end up in hand of administration.it recommend that the training conducted more often and to other colleagues. I concur with the notion that the training should rollout to other colleagues and department, it's existing to observe how people being assisted through our training and changing their lifestyle.