Christmas is finding us in the middle of a recession. Many people have lost their jobs due to retrenchments and even those that are still employed are fearing for their jobs. Staff morale is at an all time low as most companies won’t even be able to pay bonuses this time. It is important that our employees manage their money very well during this Christmas season especially because January is around the corner and soon, most will have to pay school fees. So don’t send your staff away for a Christmas break without empowering them with the much-needed good money management skills

You can invite Phumelele Ndumo to deliver a FREE talk to your staff about the following issues:
• Their relationship with money, are they Cinderellas, cash cows?, etc…
• Saving for a rainy day
• Managing their debts especially credit cards and store cards
• Why buying furniture on hire purchase could put them in a debt trap
• Why some debt is good for them, and yet other debt is bad
• Role of debt counselors
• The impact of debt stress on their health
• Recipe for financial success
• How to save for their children’s university fees,etc…
Duration of the talk: 1 hour
Investment required: Buy a copy of Ndumo’s book as a gift of financial independence for your employees for only R100 a copy per employee, excluding VAT. The book is available from Exclusives bookshop at R123 a copy.
Special Request: If you are outside Johannesburg, we would be appreciative if you help us to cover our traveling costs
Please visit to find out more about ThuthukaSA,



Contact no: 083 258 1527