Independent personal finance education
Money worries do not stay at home.
Practical money education and coaching for the people who work for you, for executives and individuals planning their own, and for the coaches and trainers who teach it.
Paid for by your organization or you
What an employer can buy
- Staff programme
- Twelve months, in groups of up to thirty
- Single workshop
- Half a day, one topic, one group
- Executive coaching
- One to one, for senior people
Four ways in
Start where you are
Organisations
Your staff are managing money nobody taught them to manage
Twelve month staff programmes, single workshops and one to one executive coaching, built around what your people are actually managing.
Request a proposal →
Individuals and executives
Decide about your own money with your eyes open
Coaching, courses and free tools. Work out what a loan really costs, build a plan that reaches payday, and put dates on the things you are saving for.
See what is available →
Coaches and trainers
Teach money without building the material twice
Client toolkits, worksheets and templates you can put your own name on, built from eight modules of coaching practice.
Browse the toolkits →
Partners
Fund the sessions for the people you already serve
Donor organisations and programmes that want to fund personal finance education for the groups they work with, or for a segment of the population.
Talk about funding a programme →
Who is behind this
Twenty one years in African financial services
Wealth Arbiter is the personal finance education arm of Synercate, founded in Accra in April 2011 and now working from Accra and Kigali.
Work has included
Why this is different
Most free money education is somebody's marketing. This is paid for by the employer, and by nobody else.
No financial products are sold, recommended or referred. No commission, sponsorship or referral fee is taken from any provider. When an employee needs advice rather than education, they are pointed to a licensed professional and to the regulator's public register.
Inside a staff programme
Five things every employee should be able to do
- 01Read a payslip Explain every deduction, map a month of household money, and start a payday saving habit.
- 02Make it to payday Plan from payday, set a family support budget that can be held to, and start an emergency fund.
- 03Borrow without being caught out Compare loans by the total repaid, put debts in an order to clear them, and recognise a scheme before it takes the money.
- 04Protect what is already there Read a pension statement, find the gaps in the cover, and name beneficiaries.
- 05Grow it and plan ahead Match goals to saving or investing, put dates and amounts on big goals, and estimate the retirement gap.
Definition
Net pay is what actually reaches the account after every deduction has been taken. Gross pay is the number on the contract. The difference is where most of the questions are.
Every term is defined the first time it is used. That rule holds in the workshops, the workbooks and here.
The Journal
Written for the person doing the worrying
Developing culturally relevant financial literacy curricula
Why material written for one market teaches badly in another, and what changes.
How to become a personal finance coach
Twelve steps from where you are now to charging for your first coaching client.
How to manage lifestyle inflation
What happens to the money when a raise arrives, and how to decide before it does.
One question about money, once a month
One idea, explained plainly, with something you can do that month. No products, no pitch.
