Philip Marpoondin first joined MPower in 2011.

He first 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.

Then, MPower staff assisted him to set up regular transfers from his bank account to a separate savings account.

Philip was so pleased with how his Christmas savings plan worked that he decided he wanted to leave the regular transfers in place until the New Year.

His new goal is now to save money for home improvements. Phillip says, “My aim is to put my house first.”

He is hoping to replace some older couches, curtains and other pieces of furniture before eventually moving on to his garden.

No matter what unexpected setbacks 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.