"I found the budgeting Course great on the weekly basis. I learnt a lot of things like saving goals and my motivation words to work besides money. I also learnt my needs and wants and how this budgeting course helped improve my financial situation a lot. I would like to thank Joan and Ken for all the help and information passed on to me. I have enjoyed it very much. Thanks".


"I found the course interesting. Made new friends and learnt budgeting skills that's required in everyday life. It helped me learn so much about saving money and how taking loans can get you stuck into debt. This course also motivated me towards my career and my dreams. Most of all I enjoyed making new friends".


"I learnt a lot of the basic skills that I didn't have. Also I feel like I was lost in my life and a lot of aspects of this course helped me to find my way again. Thank you a lot for giving me redirection towards my life".



"You have a great service. You explained in details for so I can understand, and it was good to be provided expert experience from an outsider."


"You provide a necessary service to support people in need of assessing, planning & supporting them with their budget and goals to better manage their money. Thank You!" 


"I felt welcome here, very warming and enjoyed voicing my trouble out!"  



Family Works

“I strongly recommend the Family Forward Programme and would like to acknowledge Joan’s awesome facilitation skills and her warm and natural approach when engaging with our families. As a social worker in a school, I believe that this programme created some positive changes and shifted mind-sets an installed hope in our families.”


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