<img class=”alignleft” title=”w” src=”http://www.thuthuka-sa.co.za/wp-content/w.jpg” alt=”w” width=”377″ height=”118″ /> Some 120 000 people have lost their jobs since November 2007 and some 200 000 to 300 000 are likely to lose their jobs in the near future. Most of us are going to be affected in one way or another. Maybe a parent, sibling, partner or spouse of one of your employees will lose their job. More people are going to be affected by debt stress &amp; worry. We are likely to see higher levels of absenteeism as a result of stress related sicknesses, lower productivity due to low staff morale. There could even be an increase in theft and fraud e.g. petty cash theft, fraudulent medical aid claims as people try to make ends meet. It is now more important than ever that we equip our employees with the skills to manage their money.

<strong>Some of the key issues we address in the workshops:</strong>
<ul>
<li>Managing our debts</li>
<li>Ensuring we don’t lose our homes through bank repossessions</li>
<li>Making the most of our salaries</li>
<li>Effective management of our budgets</li>
<li>How we can use our homes to pay school fees</li>
<li>How debt counselors assist over indebted people</li>
<li>Optimum savings vehicles</li>
</ul>
<strong>Other topics she will cover are:</strong>
<ul>
<li>How to budget and stick to your budget</li>
<li>How to ensure your home &amp; car are not repossessed during these difficult times</li>
<li>Role of debt counselors</li>
<li>Managing your credit card and other debts</li>
<li>Our relationship with money – one night stand? Cash cow? Keeping up with the Joneses? Till death do us part?, etc…</li>
<li>Role of the National Credit Regulator</li>
<li>How to use their homes to pay school fees</li>
<li>Budgeting for financial success</li>
<li>Managing their debts, especially credit cards</li>
<li>The impact of debt stress on our health</li>
<li>Why we all need life cover. Life cover vs credit life</li>
<li>Recipe for financial success</li>
<li>Role playing – case study of 2 individuals, who will end up rich? Who are you?</li>
<li>Quiz – are you money smart?</li>
<li>Implications of the maximum interest rates introduced by the NCA  (National Credit Act)</li>
<li>Your rights in terms of the NCA e.g.</li>
</ul>
<ul>
<blockquote>
<li>Right to be informed before being listed with a credit bureau</li>
<li>Right to be informed in writing if loan application is declined</li>
<li>How to challenge an incorrect credit bureau listing</li>
<li>Role of debt counsellors and</li>
<li>Debt relief, etc…</li>
</blockquote>
</ul>
<strong>Buying &amp; managing your home loan</strong>
<ul>
<li>Advantages of owning a home beyond shelter</li>
<li>Managing your home loan to your advantage</li>
<li>Insurance needs when buying a home</li>
<li>Impact of HIV when buying a home</li>
<li>What to do when struggling with repayments</li>
</ul>
<strong>How to use your home to your benefit</strong>
<ul>
<li>To pay school / university fees for your children</li>
<li>To start your own business</li>
<li>To buy a second home</li>
</ul>
<strong>And also …</strong>
<ul>
<li>How HIV affects home ownership</li>
</ul>
Understanding debt consolidation and debt restructuring

<strong><span style=”font-size: x-small; color: #be2720; font-family: Arial;”><span style=”font-size: 10.5pt;”>COSTS PER PERSON</span></span></strong>

<strong>Duration:</strong> 09h00 – 15h00
<strong>Min:</strong> 10 people
<strong>Max:</strong> 20 people
<strong>Cost: </strong>R950 per person