Johannesburg introduces 3 new licensee’s – find your area agent now!

Meet the team

Like any business, our business is only as successful as our team and the Money Savvy team is growing at a rapid rate. We love to show off the awesome people who are responsible for keeping this business booming.

Our CEO Kathryn Main believes this expansion is perfectly aligned with the company’s mission to drive dramatic change that infuses children, from a very young age, with the problem-solving and critical thinking skills they need to make financial decisions now and in the future, using the analytical skills they learn through the program.

MSK is revolutionising the way financial knowledge is disseminated to younger generations of South Africans. It is questioning the traditional schooling system, which currently produces more followers than leaders.

At Money Savvy Kids we believe in creating opportunities not just for our youth but also for woman who want to run their own business. That is why we launched our MSK License model. If you are looking to step into a ready established business and have a passion for education and financial literacy freedom, then an MSK license is for you.

Enquiries – | 079 3700 601

Meet the Joburg agents:

Lauren Oberholzer:

Joburg South & Rosebank

Lauren Oberholzer is a Private Banking specialist with over a decade of successful experience in providing personalised financial services to high-net-worth individuals.

A strong believer in the importance of financial independence drives Lauren’s passion for financial literacy.  She believes that promoting financial literacy, specifically among children, is priority.  Financial literacy is the essential key that must be developed from a young age to enable children to make smarter money decisions which will ultimately lead to a financially secure future. | 082 378 3451

Evangelia Kalaitzi:


Evangelia arrived in SA with her family when she was a teenager. She studied Information Technology and worked as a software developer for 10 years before moving into sales and marketing.

Within software development she worked with finances and realized that even though financial literature is taught in universities there is very little to almost none in the school environment and that is where is all begins. Planting the seeds so it becomes part of our lifestyle vs something we just must do for mandatory purposes.

Evangelia believes that Financial literacy is a cornerstone of prosperity and security. It builds confidence and knowledge in the lives of individuals and the country and that’s why it’s so important to teach it to our kids! | 078 998 5482

Penelope Bryce:


Penelope spent the first 15 years of her career in corporate marketing with major international companies including Unilever, Colgate Palmolive and Bristol Myers Squib. She also has experience in advertising and management consulting.

The second half of her career has been spent in the NPO sector in strategic marketing & communications and fundraising for organisations including SA Academy of Family Practice, World Vision, ALLSA, Cotlands, Thusanani, Nanga Vhutshilo, Timbavati Foundation, IAPF and others.

Penelope has a passion for uplifting other’s, and she believes that Financial education can make a difference. It can empower and equip young people with the knowledge, skills and confidence to take charge of their lives and build a more secure future for themselves and their families, and ultimately contribute to the upliftment of the economy.

Penelope Bryce

082 571 6198

Financial literacy is a cornerstone of prosperity and security. It builds confidence and knowledge in the lives of individuals and the country. We cannot address the issues of financial inclusion and equitable and sustainable socio-economic development without addressing financial literacy.


Fairlady Woman of The Future Award Press Release



The businesswomen who entered the 2019 FAIRLADY Santam Woman of the Future, Rising Star and Social Entrepreneur awards inspired us with their entrepreneurial spirit and their commitment to seeing their brilliant ideas through. It has been tremendously difficult to choose the finalists in each category.

The panel of judges presiding over the awards this year are Professor Thuli Madonsela (chair for Social Justice at Stellenbosch University, founder of the Social Justice M-Plan as well as the Thuma Foundation); Dawn Nathan-Jones (social entrepreneur); Johanna Mukoki (entrepreneur, global motivational speaker, philanthropist and travel guru); Jo-Ann Strauss (media entrepreneur and international speaker); Enid Lizamore (executive head of Human Resources at Santam); and Suzy Brokensha (FAIRLADY editor).

‘The FAIRLADY Santam Women of the Future Awards just get better and stronger each year. This year saw more entries than ever, with extraordinarily inspiring candidates. It’s a real challenge to pick the winners because the calibre is so high, but it’s one I wouldn’t give up for anything!’ – Suzy Brokensha

The winners in each of the three categories of the FAIRLADY Santam Women of The Future Awards 2019 will be honoured at a prestigious ceremony in Johannesburg on Friday, 16 August 2019, with Johanna Mukoki as MC.

Through an independent survey, Santam found that the first 1000 days of business are the hardest, and that if you’re still in business by day 1001, you’re likely to succeed in the long term. We are proud to announce this year’s finalists:

Woman of the Future 2019

The women eligible for this award are 30 or older and have been in business for at least 1000 days. The finalists are:

  • Kathryn Main (Money Savvy Kids) – teaches children as young as four crucial financial skills so they can become financially independent adults.
  • Nisha Maharaj (Niche Integrated Solutions) – specialises in information and communications technology.
  • Phillipa Geard (RecruitMyMom) – a user-friendly online recruitment platform

that links skilled moms to potential employers.


Social Entrepreneur 2019:

The women eligible for this award are 30 or older and their businesses have survived the first 1000 days. Their ventures are making a difference in their communities. The finalists are:

  • Luleka Mkuzo(Urglobal Mentoring Network) – a mobile computer training solution that utilises a school’s infrastructure to teach computer skills to students, teachers, community leaders and members in rural communities.
  • Lusanda Magwape (Dream Factory Foundation) – a non-profit organisation that offers educational tools and programmes to improve the outcomes of learners, and give unemployed youth digital and entrepreneurial skills.
  • Renshia Manuel (GrowBox) – promotes urban food gardens by supplying vegetable garden boxes to impoverished and malnourished communities in densely populated urban residential areas.

Rising Star 2019:

These young go-getters are 30 and under, and have passed the six-month milestone. The finalists are:

  • Andrae Smith(Work Wanderers) – provides one-month co-living, co-working retreats in emerging tech hubs around the world, bringing together like-minded innovators for a shared experience of learning, sharing and career development.
  • Mpho Mohaswa (Precious & Pearl Brands) – sells ghemere, a ginger-based drink, using the same traditional recipe (but with a few added preservatives to ensure a longer shelf life).
  • Nondumiso Sibaya (Boombadotmobi) – connects waste generators to waste removal, and ensures the waste is disposed of responsibly.

The prizes awarded to the three winners are R80 000 in cash to the Woman of the Future, R50 000 each in cash to the Rising Star and Social Entrepreneur and, to all the winners, an invaluable mentorship session with one of the judges,  a luxury Beauty Hamper from Clarins, a short course from the IMM Graduate School worth R15 000, a Karissa business bag and spinner from Samsonite worth R7 298, a ladies watch from Obaku worth R2 195, R1 000 shopping voucher from Superbalist,  a voucher from Camelot Spa and a media training session.

For full details on the finalists and information on how to purchase tickets for the event, get the latest issue of FAIRLADY magazine – on sale now!

Follow FAIRLADY on Facebook, @FairladyMag on Twitter and @Fairlady_Magazine on Instagram.


– ENDS –

Distributed on behalf of FAIRLADY Magazine

Roxanne Cloete (project manager)


Saving Expectation Vs Reality

Saving: Expectations versus Reality
By: Kgopotso Kgwedi

“Money is only something you need in case you don’t die tomorrow” were the infamous words delivered with fervour by Carl Fox in the movie Wall Street. Money may not constitute all the happiness in your life as you know it but it certainly does go a long way in alleviating the burdens that come with keeping up a certain lifestyle and securing your future financial needs when you have retired.
The Expectations of Saving Money

In a perfect world saving is simple: spend what is left after saving. The answer to the crucial question “Why do we save?” and the expectations that come with it are as surely feasible as deciding to put away a sizable amount of your income in the recently opened savings account every month for the big three: a goal, emergencies and retirement. But the reality of saving will deviate from your imaginings all together and pose challenges that will require solutions that you might not have considered yet.

The Reality of Saving Money
1. Re-Assess Your Financial Status (Twice)

Drawing up a concise plan of how you will spend your money sparingly in order to save for a rainy day is painless but sticking to said plan can prove difficult. Thoroughly going through your finances to assess where you stand will help you determine how you can start your saving journey.

Recording your every financial step will aid you in identifying areas you can cut down your spending without subjecting your family to a life of extreme cheapskates. One thing to bear in mind while cutting down on your expenses to make room for your new saving habit is your lifestyle choices going forward. Adding “savings” in your “expenses” column wherein the recommended 10 – 15% of your salary is put away will help clearly show where your money is going.

2. Set Financial Goals

Now that your lifestyle matches that of your current budget, financial goals need to be set. “What is it that I am saving for?” is the first question you will need to ask yourself. Whether you are saving to afford your children’s university fees, pay lobola (dowry), buy a dream home, have a comfortable retirement, or simply preparing for unfortunate events like retrenchment, you need to give yourself a deadline for when you will achieve these financial goals.

Whether you are saving for a short- or long-term goal, you need to have a projected amount that you will need to save over the period of time you have set for yourself and stick to it. One way of doing this is to set scheduled monthly transfers to move money into a separate account just for those purposes. Setting achievable short-term goals will assist you to be aware of how far you have come and how close to achieving your ultimate goal you are.

3. Know Your Savings Options

Saving your cents and the occasional notes in a piggy bank hidden in the shoebox in your wardrobe at the ripe old age of 25 may work for some but it definitely does not work for most. The days of being classified as “unbanked” should be heavily reconsidered on your part. Opening an account specific to your saving goals while having the added bonus of being efficient and gaining interest over time is a benefit you cannot miss out on anymore. By doing so, you can use this one account to serve multiple purposes while subsequently setting aside money no matter what happens and, more importantly, be 80% less likely to dip into your financial reserves for reasons only detrimental to achieving your goals.

A flexi fixed deposit account will offer you an interest rate of 3 -7 % and the percentage is based on the amount of money that you save. If you are looking to save for a term of 5 years for example, a fixed account offers a rate of between 6 – 10 %. Once you’ve managed set up a monthly automatic transfer into the account you can decide to extend the savings period to suit your savings goals.


Budget Vs Reality

Budgeting: Expectations versus Reality
By: Kgopotso Kgwedi

“Oh, my goodness, I really appreciate my parents.” These were the words that came to mind when I came to realise the amount of financial decisions my parents had to make daily to keep our family finances balanced. I thought my parents were always telling us “No!” to everything we as children thought were necessities to live because they just did not like us much. It was only years later that I realised what we wanted was not in the budget.
My first year of university, I got a real bite of reality. I had to start budgeting for the first time in my life. It was then I truly saw the importance of learning financial literacy from a young age. Here I was in a new chapter of my life and I lacked the knowledge and skills I would need for the rest of my lifetime. My expectations of what a budget was, and the reality were at odds and what a steep learning curve it was.

The Expectations

What I knew was that a budget is essentially an ever-evolving physical picture of what your money is doing. I gleaned that a budget reflects all the goals to be achieve over the short- and long-term periods. It comes with a lifetime guarantee and is the starting point to ultimately reaching financial freedom. The rule is simple: live within your means. Spending money you do not have on things you do not need will set you back months or even years because more and more of your income will have to go toward paying your ‘unexpected’ expenses or debt.

The Execution

Abiding by the 50/30/20 rule was the obvious choice. It would help precisely guide how and where my money was going on a monthly basis. This rule works as follows: 50% of one’s income should go towards necessities like housing, bills and food; 30% towards paying off debt and growing one’s retirement fund; and 20% towards the financial goals set such as investing or going on that holiday of your dreams. It isn’t that complicated when you think about it but once you are out in the real world, it is no picnic.

The Reality

There are so many distractions both on and offline that further aggravate our fear of missing out on that sale that will only come back around next year. The reality of it is that you must carefully choose what you should miss out on in order to afford the important things. Sometimes your budget will feel like that parent who always tells you what not to do with your money, but you need to remember why you are not impulse buying at every turn.

Keeping Track

Keeping track of your spending on a biweekly basis will help you see where you currently stand while giving you the chance to fix the numbers while you still can. Remember, a budget is essentially a physical picture of what your money is doing. You need to first know what the picture of your finances looks like for you to make the necessary changes needed to have the budget work for you. A budget leads to saving and investing and paying off debt faster. It may seem hard at first, but once you have the hang of it your budget can be the financial saviour you didn’t know you were searching for.