# 1 A M A Z O N B E S T S E L L E R

7 S e c r e t s o f t h e H a p p y, H e a l t h y a n d We a l t h y

KNOWLEDGE IN ACTION IS POWER

2016-2017EDI T ION

MAKE A BOOKING

Please contact Suzeth Kotze Head of Marketing and The Ordinary Millionaire training

suzeth.kotze@attooh.co.za

ACHIEVE FINANCIAL WELLNESS.

Our sole focus is providing education, guidance and coaching that empowers individuals to take control of their personal financial situation and better their overall future.

The Ordinary Millionaire training program is a Financial Advisor tool through which users are introduced to the methods in reaching their financial and personal goals which will ultimately lead to a “Happy, Healthy and Wealthy” life for yourself and your family.

LEARNING IS

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BEGINNIN

G OF W

EALTH

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We are living in very challenging economic times. Most people have never been taught how to manage their money, and are finding themselves under more and more financial stress, leading to living stressed out lives.

CONSIDER THE FOLLOWING STATISTICS:

South Africans were the biggest borrowers in the world in 2014 (News24.com). 10.5 Million South Africans have impaired financial Records and more than 11 Million are described as over indebted (Up from 5 Million in 2013).

86% Of SA’s borrowed money in 2015. In the first quarter of 2015, South Africans added R108 billion in new credit, in the second quarter, R112 billion new credit was added.

Over half of South Africa’s “credit-active“ consumers are over-indebted. The South African Human Rights Commission said:

“Of 19 million ‘credit-active’ consumers in South Africa, 50% had impaired credit records, three months plus in arrears” and “15% are described as debt stressed, one to two months in arrears.” (SAHRC)

From 2007 to 2012, outstanding unsecured credit in South Africa increased from R41 billion to R159 billion. In 2009, studies show that 40% of the money from micro finance was used to buy food and many borrowers were taking new loans to pay old ones.

Financial stress is up in 2016 with 52% of employees stressed about their finances. 45% of employees are saying that financial matters cause them the most stress in their lives. With nearly as many as those whose top stress is their job, health, or relationships combined, financial wellness is emerging as a key factor in an employee’s overall well-being (PWC).

The “Millennial” generation - people born between 1980 and the early part of this century, have the money to force change. They are earning substantial incomes, and with the ageing of the baby-boomer generation, one of the biggest inter-generational transfers of wealth in human history is beginning to occur. This requiring a massive need for financial education and support.

T I M E S A R E C H A L L E N G I N G . . .

MILLENNIALS AND MONEY...

64% of men are stressed about their finances.

37% of women say that issues with personal finances have been a distraction at work.

46% of men find it difficult to meet their household expenses on time each month.

42% of women have student loans and...

79% say their student loans have a moderate or a significant impact on their ability to meet their other financial goals.

As business owners, it is our responsibility to do something about this problem...

5 , 0 0 0 , 0 0 0 +South Africans are drowning in debt:

Owed to creditors. 75%

53%

39%

23.42%

Monthly Income

Of respondents are in the age group 31-45...

Increase in applicants who want to go under debt review who are under the age of 25.

- “A substantial spike...”

Of South Africans have money left at the end of the month, the remainder of the population are flat broke.

L e a r n i n g i s t h e b e g i n n i n g o f We a l t h . L e a r n i n g i s t h e b e g i n n i n g

o f H e a l t h . L e a r n i n g i s t h e b e g i n n i n g o f S p i r i t u a l i t y. S e a r c h i n g

a n d l e a r n i n g i s w h e r e t h e m i r a c l e p r o c e s s a l l b e g i n s .

- J im Rohn

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What is Financial Wellness? It is a state where as an individual one has achieved certain financial goals, through which one can experience minimal financial stress. It involves living below one’s means with no high interest debt and having the flexibility to establish an emergency fund. One’s income and assets are protected from loss and an ongoing plan is implemented to maintain and reach future financial goals.

“The Ordinary Millionaire”, set of Financial Literacy training programs for business is based on the No1. Worldwide Amazon best-selling book, and presented by our Financial Advisors who, between them have over 20 years of trading experience, spanning more than 400 years of combined experience.

AC H I E V E F I N A N C I A L W E L L N E S SOur sole focus is providing education, guidance and coaching that empowers individuals to take control of their financial situation. We follow an educational philosophy which is based on behavioural finance principles that tap into the emotional and logical centres of the brain to ensure individuals make lasting changes to their financial habits.

BOOK ONE OF OUR COURSES AND BEGIN THE BEHAVIOUR CHANGE PROCESS:

• Uncover what’s holding you back.• Identify the information you need to make better decisions.• Reward yourself with “quick wins”.• Provide accountability through regular check-ins.• Rely on ongoing support until positive habits are formed.

Our courses are presented at different levels – from Beginners to Advanced and Expert levels. They will be presented on site, with each course being presented from a 1 hour session, through to a 1 day session, depending on the need and the availability of the company.

THE BENEFITS OF INDIVIDUALS GAINING FINANCIAL LITERACY FOR A BUSINESS INCLUDE:

• Decrease in Absenteeism.• Increased focus on the job because of less financial stress.• Increased productivity.

Some studies have shown that up to 20 hours of increased productivity can be achieved per individual per month. Studies also show that this is saving companies an average of R 110 000 per employee per year alone.

• Increased health, as financial stress leads to ill health.• Less workplace conflicts.• Decrease in Staff turnover, as staff realize that leaving one job

to find another which pays slightly more is not the answer.• A decrease in the dependence of employee benefits.• Decrease in workplace accidents which are stress related.

M E E T W I T H U S !We would love for one of our accredited attooh! Advisors to meet with you to discuss the possibilities for your staff. It is a valuable service which you can offer your employees, and will reap huge benefits to the business.

Let’s start today to make a significant difference to your financial well-being by following these steps:

Financial Education:

Employees receive World class Financial Education to ensure they start making smart financial decisions.

Financial Mastery:

Employees get on-going support, coaching and advice to help them apply key financial concepts in their everyday lives.

Financial Habits:

Employees begin by making small changes, triggering the reward centre of the brain, which over time leads to larger steps and the formation of habits

Financial Education + Financial Mastery + Financial Habits =

Financial Wellness:

Our process ensures employees dramatically reduce their financial stress, thus improving their overall state of well-being.

T h e b e s t t i m e t o p l a n t a t r e e wa s 2 0 ye a r s a g o. T h e s e co n d b e s t t i m e t o p l a n t a t r e e i s t o d a y.

- Chinese Proverb

We m a ke o r d i n a r y p e o p l e M i l l i o n a i r e s a n d m a k e M i l l i o n a i r e s F i n a n c i a l l y I n d e p e n d e n t .

- Wouter Snyman

WE’RE IN THE BUSINESS OF CHANGING BEHAVIOURS

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FINANCIAL LITER ACY CO U R S E S AVA I L A B L E

THE COURSE CONTAINS THE FOLLOWING TEACHING SECTIONS:

• What is money.• Types of Money in South Africa.• Money around the world.• Terms to remember.• 3 Types of money users.• Understanding your payslip.• Financial Pitfalls.• What is debt.• Money decisions.• Good Vs Bad debt.• Credit card debt.• Credit scores.• Budgeting basics.• Garnashee orders.• Debit orders.• What to do if you are in trouble.• Surviving retrenchment

1. FUNDAMENTAL FINANCIAL LITERACY COURSE

The beginners course starts looking at some of the concepts and questions asked in ‘the ordinary millionaire’ book. We start delving into participants relationship with money. We look at topics like:

• Why is money important to you?• Types of money users.• Financial pitfalls.• Budgeting basics.• Savings - 3 bucket approach.• Delving into debt.• What threatens your savings?

2. INTERMEDIATE FINANCIAL LITERACY COURSE

The intermediate is course looks at two important areas:

2.1. YOUR MINDSET AROUND MONEY

In this section participants are led to understand how the mind works, and how we are conditioned to think in certain ways. This is based on the work of Bob Proctor and T Harv. Ecker among others. Concepts discussed include:

• Learning to understand where the true power to make decisions come from.

• Exploring how the different parts of your mind developed.• Going through a detail list on your current beliefs and

thoughts around money.• Understanding how to go about changing limiting beliefs

around money.• The four quadrants of life.• The process of manifestation.

We then work through the importance of health as described in ‘the ordinary millionaire’

2.2. THE GOAL SETTING PROCESS

In this section we go through a thorough goal setting exercise. We explore topics like:

• What are goals.• Why don’t people set goals.• What is the purpose of a goal?• The six golden rules of goals.• How do you go about setting goals.• A, B and C goals, and how to go about connecting them.

2.3. CALCULATING YOUR FINANCIAL NET WORTH 3. ADVANCED FINANCIAL LITERACY COURSE

This course is based on the seven principles dealt with specifically in “The Ordinary Millionaire”. The topics include:

• Savings.• Where do the rich spend their money.• The cost of Living.• Investing in income while reducing your living cost.• The four steps to budgeting.• Creating your own budget.• Your R100 plan.• Ways to earn an extra R100 in your job.• Your Estate Planning.• Transforming your Debt into Wealth.• The actual cost of Debt.• The snowball effect – your plan to get rid of debt.• Opportunities to reduce your monthly expenses.• The “three bucket” investment approach.• Why you need to invest.• Why you need Life Insurance.• Increasing your ability to earn.