Phillip started thinking about budgeting when he wanted to save money for Christmas.

He came to MPower and worked out a budget of what he could afford to save, and then we assisted in setting up regular transfers from his bank account to a separate savings account.

Phillip was so pleased with how well the Christmas savings plan worked that he decided he wanted to leave the regular transfers into the New Year.

His new goal is to save money for home improvements. Phillip says “My aim is to put my house first’’ and he is hoping to replace some older couches, curtains and other pieces of furniture and then eventually move on to his garden.

No matter what unexpected set-backs occur Phillip always has in the back of his mind what he wants for his family’s future and how he can go about planning for it today.