One programme day
In one day, every employee leaves with a plan to stop living payday to payday
The 90-Day Payday Fix for one group: the training day, a private 90-day money plan for every employee, your evidence pack in 7 days and an impact report at 90 days. We do all the paperwork.
Get a quote Calculate what money stress costs you →
Backed by our delivery guarantee: a written 90-day plan for every employee and your evidence pack within 7 working days, or your next session is free.
What changes
One day, three results
Staff stop guessing
Every employee leaves with a written 90-day plan for their own money, made in private.
HR stops chasing
Registers, invoices and results arrive as one evidence pack in 7 working days.
Exco sees the difference
Before and after results, and a 90-day impact report you can put in front of leadership.
What you get
The 90-Day Payday Fix
- The training day. A facilitator-led day for up to 25 employees, onsite or online, in English or Afrikaans. Valued at R22 000
- A workbook and a private 90-day money plan for every employee. Valued at R3 750
- Bonus: your WSP entry, done for you. Ready to paste into your SETA template. Valued at R1 500
- Bonus: the 7-day evidence pack. Signed registers, invoices and results for your SETA and verifier. Valued at R4 500
- Bonus: a 90-day impact report for Exco. Before and after, anonymous and combined. Valued at R3 500
- Bonus: a manager briefing. 30 minutes on spotting money stress in a team. Valued at R2 500
- Bonus: family access. Our free audiobooks and tools for employees’ households.
- Bonus: a Payday Clinic. A group question session 30 days later. Valued at R3 500
On the day
Practical, local and shame-free
Nobody works on their own money in the room. The group follows Naledi, a working South African living payday to payday, through her payslip, her debts and her family commitments. People ask the honest questions they would never ask about themselves: “What if her brother keeps asking for money?” “Is that loan offer real?”
- A workbook every employee keeps
- Free online resources to share with their family
- Tools to build their own 90-day plan, in private
- A full day, or a half day for shift workers, with 15 to 25 people per group
How the day runs
- Where the money goesThe payslip, deductions and the month-end gap, through Naledi’s story.
- Debt and credit trapsLoan offers, store cards and how to tell a good deal from a bad one.
- The 90-day planEach person builds their own plan, in private, with the workbook.
- Saving for the unexpectedSmall emergency savings that stop the next crisis becoming debt.
- Where to get helpFree, trustworthy help in South Africa, so nobody leaves stuck.
This is for you if
- You want an evidenced intervention for your WSP and ATR
- You need records your B-BBEE verifier will accept
- You want measurable change, not just a feel-good day
This is not for you if
- You only want to try us first. Start with a Payday Talk.
- You want financial products sold to your staff. We never do.
Questions HR managers ask
Good to know
Can we pay from our skills development budget?
Yes. It can be planned in your WSP and reported in your ATR, and is usually recognised as Skills Development spend for B-BBEE, subject to your verification agency.
Does it count for B-BBEE points?
It is usually recognised as informal training under Skills Development, within the cap for informal training. Only spend on black participants counts toward the target. We provide the records your verifier needs.
Will our staff share their personal finances?
No. The group works through Naledi’s story, not their own. Staff apply the tools privately.
Will you tell us which employees are struggling?
No. You receive group results only. Individual answers stay confidential.
Do you sell financial products?
Never. No loans, insurance or investments. The session is education, not advice.
Which languages, and how far ahead should we book?
English and Afrikaans. We need 14 days’ notice, and dates are held for you while you consider the quote.
What if someone becomes distressed?
Our facilitators respond calmly and privately, and refer people to free help such as Legal Aid, the National Credit Regulator or counselling.
Real feedback
What participants say
Today was a good opportunity to young starter up. I think this is a good idea for a course. It will help lots of people in this world.
Charles ChindonltoProgramme participantI wish it could be broadcasted on television that more people can know about it. It was really helpful.
Maurice KalyomaProgramme participantThe course helps me to learn how to be self-responsible. I have so much gratitude for Salmon for leading us into such a training.
Arnold SambaProgramme participantI really enjoyed today’s course. I learned how to manage my money, how to budget and how to start a business.
Tynash MoyoProgramme participantMake it stick
One day changes habits for a while. Four a year make them last.
Most clients move to the annual plan after their first day: a Payday Clinic every quarter and online access for every employee, for R99 per person a month.
Get a quote
Get your quote
Tell us how many staff, where and when. We send a written quote you can accept online, usually within one working day.