Compulsory skill
Smart Saver: Family Resilience
Stretch limited household income, eliminate high-cost debt traps, build accessible emergency cushions, and leverage trusted community savings structures without falling victim to bank fees or financial scams.
- Level
- Level 1
- Type
- Compulsory
- Requirements
- 0
- Club
- Prime
Stretch limited household income, eliminate high-cost debt traps, build accessible emergency cushions, and leverage trusted community savings structures without falling victim to bank fees or financial scams.
You'll use
In the app
You walk away with
A 30-day family survival budget map, an active emergency cushion, a debt clearance roadmap, and an organised family vital-document audit.
0 of 4 modules complete
0% complete · tick each module off as you finish it
Track your modules
Sign in to mark modules complete, attach deliverables, and keep your progress with your account.
Sign in to start- 1
Tight Household Cash Flow & Emergency Cushions
Not startedApply the 60/20/20 survival budget when essentials consume most income, buffer irregular earnings across lean months, build a R500–R1,500 emergency cushion in zero-fee accounts, and plug micro-leaks like store-card fees and costly money transfers.
≈ 120 min
Practical deliverable
30-day family survival budget map with an active Emergency Cushion target configured in the app.
- 2
Stokvels, Savings Clubs & Community Safety Nets
Not startedChoose and audit local savings groups — stokvels, burial societies, grocery clubs — with clear payout rotation rules, written record-keeping and fraud protection, and structure grocery clubs for year-end bulk-buying discounts.
≈ 90 min
Practical deliverable
A stokvel/savings club health assessment checklist.
- 3
Debt Defense & Micro-Loan Shielding
Not startedIdentify mashonisas, predatory micro-finance lenders and aggressive store accounts; apply the debt snowball on low income while keeping food, rent and utilities secured; negotiate with creditors before default.
≈ 90 min
Practical deliverable
A step-by-step debt clearance roadmap.
- 4
Asset Protection & Family Continuity
Not startedCompare affordable funeral cover and community support funds against high-cost commercial insurance, write simple family agreements for housing, land and assets, and store vital documents safely from fire, flood and loss.
≈ 90 min
Practical deliverable
Family Vital Document & Asset Organization Audit.
Practised at weekly Prime sessions, then proven in front of a leader who signs each requirement off.
- Skill type
- Compulsory
- Levels
- Learning
- Requirements
- 0 to prove
Not a Prime member yet?
Join Prime and start developing skills this term — free, and your leader walks with you through every requirement.
Join Prime