Smart Money-User (SMU) Basic program
Smart Money-User is endorsed by
The Oxford Centre of Leadership.
Participants will receive a Certificate of Achievement on completion.
Why is the Smart Money-User
This program is unique because it is designed to focus on teaching the
individual, starting from the early formative years to adulthood, to appreciate
money, create good life values with money and cultivate money habits.
financial education program teaches the young adult key attitudes that will
impact on the development of skilful behaviours related to managing money
- using money in a purposeful way to heighten a sense of accomplishment
- being wise with money, good spending disciplines and not allowing money
to lure them into doing bad to themselves and the community
- using money within their financial means and capability, and to learn to
delay instant gratification
||On behalf of the Parents Teacher Association & Sri KDU School, we
would like to express our grateful thanks to you for making the time to
come to the school to talk to the students about a career in Money
Management. The feedback from the students have been very positive and I
believe they came away with a better idea of what a career in this field
entails. We would like to take this opportunity to wish you every
success in your work. Thank you once again. "
~ Mdm LC Toh, Organizing Committee for
Career week 2008 of Sri KDU Parents Teachers Association
Smart Money-User program addresses 3 core important learning for a young
- My Self Esteem and Self Worth
» Why I am important?
» What is my self-worth to my family and
- My Life and Money Values
» Why my family and cultural community
values are important?
» How money and its values help create my family
- My Worldview with Dreams and Vision
» Why is having good life dreams and vision
important to me?
» How money can make my dreams and vision come
Smart Money-User program is also uniquely designed for family with children:
- To teach parents and children personal money skills and financial
literacy, to help achieve family financial harmony and happiness
- To develop parent and child relationships and bonding through an
interesting and creative setting of learning about money
- To boost each family member's, including parents, self-esteem and
As a young adult, what kind of financial success are you aiming for?
Imagine a life where you have the financial freedom to do and have all the
things you'd like to enjoy in life ... imagine a training and coaching program
where you can look deeply and honestly at the way you think, feel and act in the
world, and learn how your behaviour influences your financial results you are
achieving in your life.
the parent of a young adult, what kind of financial success do you want for
Invest in this unique Smart Money-User program and discover how you
will be able to create
timeless opportunities for your children, helping them to solve their financial situations
giving them the money
skills that will last a lifetime.
This 3-month training & coaching program is about releasing
the boundaries that limit your financial capabilities.
This Smart Money-User (SMU) Basic Program is an interactive and engaging
experiential learning program supported by experienced coaches who will
teach your children how to be money-smart!
The program includes:
- 2-day workshop
- 3-hour monthly coaching sessions over a 3-month period
Your children will learn fundamental principles of:
- Mind-set in terms of money habits and behaviour
- Practical financial applications and tools
They will be guided in applying the soft skills of mind-set and behaviour,
together with the hard financial skills and knowledge in their personal money.
In this challenging environment, young adults will experience what it
means to be really honest with themselves and learn how to take responsibility for
as well as how to
communicate effectively, keeping to agreements and making decisions on how they
will go about achieving their financial success.
Understanding your psychological behaviour and emotions towards money, will
empower you to become a
Your article has touched on a central issue faced by adults and parents alike:
confusion about money. Most adults still think of only one way of earning money
i.e. to get a job. As a consequence, the job ties them down and there is really
no time to think of any thing else (serious). Fortunately (or unfortunately),
money is there to help them solve problems like making their children happy (buy
them what they want or don’t want), improving their children’s scores in school
(tuition and more tuition), and spending “quality time together” (go shopping on
You said it right: this is how our children emulate us. Children born to
middle-class professional parents are actually worst off compared to those that
are raised from parents who run small businesses in terms of the understanding
of money. But the strange fact is that parents belong to the second group don’t
want their children to do the same things that they are doing. So they urged
their children to go to university and earn a degree. Get a good job! What they
admire is the life styles of the professionals and not the challenge of a
In our Asian culture, we still give a lot of respect to our parents. How
often do we dare to go against the wishes of our parents? Very often we hear
young people saying: “My mother said that studying accountancy is good.”,
“Cousin Li King is a doctor. She is so successful.” So when their parents say:
“Find a good job”, “Work and save money”, or “Buy a house”, what do our young
friends do? You guess it right: “Just follow lah”.
But are their parents giving them the right advice? Perhaps we should teach
them first so that they can then teach their children.
~Y M Leow~
Reserve your space at our upcoming
Kids participating in the Smart Money-User program get hands-on, interactive
experience, including getting involved in serious discussions regarding their
Handling and managing money is not a subject taught in schools and is a subject
matter that is seldom discussed between children and parents. The most that a
child gets to know from parents is usually "money is a scarce item and limited,
so spend on necessities only". From there on, the child is supposed to
understand what this means and what to do next. In worse case scenarios, guilty
parents give plenty of money to a child to spend, some even give their
children credit cards, and most children grow up not knowing the value of money,
or knowing how to manage it having no one to guide them in managing their money.
Carol’s workshop is right on target, aiming to teach parents and children
alike. I encourage all parents to attend Carol’s workshop and at least learn how
to speak to their children intelligently about money.
~Avryl Au, National Director -
National Director - BNI Thailand
Executive Director - BNI Hong Kong BNI~
More testimonials ...
"The Smart Money-User
program was conducted in a way that was easy to understand and appealed to
~Terence Toh, Student Taylor's College~
Money-User program has made me understand how I can change my children's
attitude towards money and motivate them to manage their pocket money, in a
smarter way! "
~Azah Wan Ali. Parent~
"Carol has actually helped me to realise how much I spend and the fact
that I have to change my spending habit."
~Carolyn Chow, Student, age 14~
"I thought that the program was very effective and useful for me as a
teenager to know about this money matter. I totally realised that I always have
to think before I spend money on anything and learn not to take advantage of my
parents' money for something that I want, and not what I need!"
Student, age 16~
teaches everyone, young and old, about using money wisely. I like the
interactive approach of this program where I get to listen to young adults'
experience with their money and also from the adults ... their money experiences
(parents who attended the program together with us). I'm lucky to be able to
learn from the adults now and not later when I am old enough to make my own
~Vania Quah, Student, age 14~
"This program taught me how my attitude affect the way I spend my money."
~Cheong Shu-Mei, Student, age 13~
Reserve your space at our upcoming