“I found the material of the courses very easy to read and to understand. I appreciated the practical examples that were included throughout the course, they really assisted me to understand and to imagine myself in similar situations and allowed me to broaden my understanding when it comes to finances.

Learning how to budget, how to set goals guided by the SMART principal approach has been very helpful to me. This course emphasised the importance of setting goals that are achievable and sticking to them. Another take away for me was the importance of clearing debt first before setting other saving goals due to the fact that debts have very high interest rate as compared to interest rates on saving products.”

“The most helpful courses are Being Money Smart, Budgeting and Saving. Furthermore, I learnt that you don’t have to earn a higher salary in order to start saving. The earlier you start, the better (because of compound interest). I’ve found the budgeting template very handy and user friendly. I plan to use the provided budget template which is user friendly, and all income and expenses are detailed and categorised properly.  I used to use a budget excel spreadsheet which is not as detailed as this one.”

“Mostly information about credit and debt was fruitful as an individual who uses credit and has debt. I plan to make changes on how I spend money and credit, starting with a budget plan. 

It is very educating, and you will take something away from it like I did with credit and debt. I will pay off my daughter’s school fees for the remaining academic year.”