Our footprint is growing in KwaZulu Natal – Meet the new master licensee

The Money Savvy Kids footprint is growing;

We are so excited to bring the Money Savvy Kids Programmes to KwaZulu Natal in 2020.

Our Master Licensee is Nicci Torr.

As a mature mother of a 15-year-old I realised that I would love for him to have the advantage that I never had, namely understanding money matters. Financial literacy is such a key element to our overall success as adults and one that many of us know nothing about…. It would be doing a disservice to my beautiful child, who I strove to give every other opportunity in life. With this knowledge I embarked on my journey with MSK with a purposeful mind and a song in my heart.

Working with children and being in a position to influence their highest good, has always brought with its great reward. It is a wonderful journey when you can disseminate key information which you know will change a life for the better. Simple and easy to understand content made MSK stand out and I knew I wanted to be part of this innovative approach to financial education and development. When you’re excited about something it’s so easy to transform your learner’s perspective! Changing hearts, changing minds, changing lives… That’s what we do!

To bring the Money Savvy Kids programme to your kids school you can reach Nicci on nicci@moneysavvykids.co.za / 076 028 2843


Be Brave, Be Bold and don’t let people push you around

Kathryn Main is a single mom of three boys, former sales manager of Sawubona magazine, and founder of Mainmultimedia and Money Savvy Kids (MSK). She explains why working for herself was not an option but a necessity, her personal financial education journey and why she doesn’t want the next generation to go through what she went through.
Kathryn Main, founder of Money Savvy Kids and Mainmultimedia.

Kathryn Main, founder of Money Savvy Kids and Mainmultimedia.


Behind every successful entrepreneur, you’ll find the determination to solve one of the world’s problems. Main is proof of this, with her own business driven by a need to change the fact that SA consumers are drowning in debt, with a scary snowball effect.

In fact, she quotes the Economist as reporting just this year that more people have loans than jobs. How are those loans going to be paid off, without an income? That’s one of the reasons Main says we need to curb the ‘instant gratification’, ‘spend-now, pay-later’ mentality in our children from an early age, rather than having it pass from generation to generation.

Because there’s no denying that entrepreneurship is strong in South Africa.

But a recent study highlighted the effect that poor education has on those aspiring entrepreneurs, who now need to make responsible decisions to grow a business.

That’s the inspiration behind her ‘Money Savvy Kids’ platform, which partners with corporates like FNB and the Women’s Development Bank (WDB) to offer custom financial literacy content – tailored to some as young as four-years-old – all developed by Main’s full-service advertising agency, Mainmultimedia.

Here, she shares the aspects of SA business that need a shake-up, particularly where diversity is concerned; as well as tips for young female entrepreneurs looking to follow in her footsteps below…

BizcommunityLet’s start with an overview of your career highlights so far.

As with any career, there have been successes and failures. I like to think of my failures as highlights too though, as that is how we learn and grow. In October, I’ll be a finalist in the Margaret Hirsch business woman of the year competition and will share the stage with some phenomenal female entrepreneurs, so that’s another highlight.

Winning awards and garnering recognition for the work you do helps keep me moving forward in a positive way, so I enter as many competitions as I can. The valuable feedback helps mould and change the business where needed.

Amongst my highlights: I get to call myself an author as I wrote my first book, Raising Money Savvy Kids in 2016. I never thought that would happen as I only have a grade 9 education and writing was never a strength of mine.

In 2015, I was also chosen as one of the Mondato Summit Africa finalists, which rocketed my career and business in a way I did not expect, and last year, I was chosen to be part of the first Lioness of Africa acceleration program.

Also, a big corporate wanted to buy my business, which didn’t end well. I learned many hard lessons but also realised I have a business someone would want to buy, so that makes me proud.

As a female entrepreneur, I’m most proud of the fact that I’m still in business after almost 10 years. Working for yourself comes with many challenges and it’s hard out there, but I have built up a great portfolio of happy clients who refer me and keep working with me year after year.

BizcommunityThat’s fantastic. Based on your experiences, share a few of the aspects of SA business that need a shake-up.

Financial literacy is definitely one of those.

“We are not teaching it in our schools. Our parents don’t talk to us about it, and the lenders make debt look sexy. Getting into debt is made easy. Why do corporates refuse to spend 100K creating a financial literacy video on the pitfalls of debt, but will spend millions on university road shows, getting youth into debt?”

I’m also a firm believer in having a diverse group of people working in one office.

That way, the creative juices are always flowing. So many different points of view and perspective are key to successful marketing campaigns. I wish more businesses would take on interns from diverse backgrounds.

BizcommunityYou’re described as having “an instinctual understanding of what makes a winning campaign” – can you share the secret with us?

I listen to my clients’ needs and objectives, and then craft campaigns to suit their objectives and target market. We narrow down the target markets and make sure we only serve ads to the correct audiences.

Being in the media and sales industry for over 15 years and working in all areas of media has given me a bird’s eye view of what works on what platform in each market. Experience speaks volumes. As with anything in life, you learn from your failures and mistakes. I have made many mistakes in the past – I learned the hard lessons and took the hard knocks.

BizcommunityExplain the context of what led you to create Main Multimedia and Money Savvy Kids respectively.
Images supplied. Images supplied. Images supplied. Images supplied.

As a single mom to three boys, being a full-time employee never worked for me. My kids needed me when they were younger, and that meant many hours off work and leaving early. Employers never liked that, so working for myself was not an option it was a necessity.

I’ve always been good at identifying opportunities and gaps in the market. My marketing know-how has given me an edge over other entrepreneurs, as I understand how to build and launch a brand into the marketplace.

Advertising was an industry I loved the minute I started in it. I loved the fast-paced life, the hectic deadlines and long, boozy lunches. I knew this was the industry I wanted to be in from day one.

Money Savvy Kids is my passion project.

“As a woman who came from nothing lost everything and then rebuilt my life at 30 through my own financial education, I knew that financial literacy was going to become my passion.”

I’m so passionate about teaching good financial habits. I don’t want the next generation to go through what I went through. Blacklisted for eight years, with no access to finance and credit and a poor credit score for a decade could have all been avoided. Youth financial literacy is crucial for their success in this ever-changing world.

BizcommunitySo powerful. Share a few tips for young female entrepreneurs looking to follow in your footsteps. 
My best advice is:

  • Be brave, be bold and not let people push you around. Don’t wait for the right client, enough money or the big retainers. Just start. Once you start, things will start to flow.
  • Do what you say you are going to do. If you promise to deliver by a certain date, deliver on time and on budget.
  • Relationships are key to business success. Build solid relationships with your clients. Don’t collect money from clients. Get an external bookkeeper. Asking for money ruins relationships.
  • Plan, plan plan and execute. Make sure you make time for exercise, rest and time off. You can’t afford to burn out.
  • Last piece of advice – never give up. On the days where everything is going wrong and you feel like nothing is going right, take the day off and regroup. Look at what actions bought you to this point, and what actions you can take to rectify the issues.

Solid advice. Follow Main’s Money Savvy Kids on FacebookInstagram and Twitter for the latest updates.

Article on BizCommunity: http://www.bizcommunity.com/Article/196/697/180929.html 

Starting The Money Conversation

It is apparent that parents do not really know how to start the ‘money conversations’ with their kids. In this podcast, Kathryn Main talks all things money and how to have those life changing money conversations with your children.

Talking about Relationship Dynamics presenter, Paula Quinsee, invites Money Savvy Kids  foiunder and Managing Director, Kathryn Main, to touch on teaching children the value of money from an early age will empower them to make sound financial decisions throughout their lives.

Click on the link below to have a listen. Enjoy 🙂



MSK Expands Into The Western Cape

Money Savvy Kids (MSK) has grown its footprint into the Western Cape. We are excited to introduce BizHero founder and trainer, Fiona Ronquest-Ross, whom we have collaborated with late last year. Founded in 2015, BizHero is an experiential training programme training 12-18 year olds who aspire to launch their own start-ups. The programme does this through workshops and business coaching to senior school students.

Along with more than a decade of experience in learning and development, Fiona has an Honours degree in Business Science Marketing (UCT, 1996). She worked in brand management at Unilever and Added Value before embarking on a journey of starting and managing her own experiential training consultancy business, Learn to Lead, that she ran for the course of ten-years.

While still attempting to find her feet in her new career, Fiona took financial advice that proved to be detrimental to her future finances. Following a tax consultant’s advice to “Go out and buy the most expensive car you can,” she has experienced, first-hand, the negative impact one bad financial missteps can have. She hopes to grow a new generation of money savvy kids, starting with her own 7-year-old twins, who are budding entrepreneurs. Having just opened their own bank accounts, her twins are learning how to manage their pocket money from an early age.

After a three-year stint living and working in the Netherlands, Fiona returned to South Africa to make a difference by helping give kids a better financial head-start in life. She looks forward to equipping your children with essential financial skills so they can, one day, enjoy a money savvy life.


Kathryn Main CEO of Money Savvy Kids featured in December Elle magazine

Financial literacy wasn’t the first thing on Kathryn Main’s mind when she dropped out of high school at the end of Grade 9. But today it is her focus with Money Savvy Kids (MSK), a programme aimed at educating children about money. Twenty years ago, career opportunities for high-school dropouts, especially girls, were limited. Faced with the option of either becoming a hairdresser or beauty therapist, she chose the latter in order to support herself. At 26, she embarked on a new direction with media and advertising, and seven years ago, she launched Main Multimedia with her husband.

Money Savvy Kids - Elle


Raising Money Savvy Kids Book Reviews

‘Raising Money Savvy Kids book launched this week and we have had some fantastic feedback.

Please go to the book tab and buy your copy for R50.


Review 1:

Thank you so so much for the book. Its so easy to read ,its well written , I felt as if you were sitting right there in my living room next to me when I was reading it. Not only will I use the knowledge for my daughter, but for myself as well for example the table that you gave on page 42. it was so informative I could not put it down. I will read it again slowly taking notes and will certainly apply to my 7 year old daughter.

Ethel Kanyemba


Review 2:

Just been flicking through your new book.
Congratulations, it is terrific.
I love the personal commentary and link to your family life and experiences as it makes a real connection with the readers.
Well done, I know only too well what a monumental task it is to write a book of any size and scale.

Melanie Hawken


Raising Money Savvy Kids E-Book Release

Raising Money Savvy Kids

MSK is proud to announce their very first offering in the form of a straight-to-the-point yet effective guide to Raising Money Savvy Kids. The book gives parents hands-on lessons for kids between ages four and fifteen and will be available in epub and PDF formats on the website for only R50 per download.

According to Momentum financial wellness researcher, Pieter Rossouw, it remains to be seen if the South African millennials or ‘Afrilennials’ will survive financially in an already challenging economic environment. As members of the swipe-and-click generation, youth are at risk of showing a lack of appreciation for the value of physical money. With the concept of money becoming more abstract by the year, wallets no longer contain physical money, only plastic. With the rise of cryptocurrencies such as Bitcoin, it has become imperative to teach our youth the financial basics from as young as three.

South Africa has one of the lowest financial literacy levels in the world. The majority of our adult population is trapped in severe debt and many Afrilennials are heading in the same direction if serious steps are not taken. With a vast array of financially sophisticated products available to them it is important that young people truly understand all the financial concepts and pitfalls that come with products.

Written by Kathryn Main, a devoted mother of three, her parental instincts recognise the critical importance of giving South African youth a financial advantage their parents never had. Make sure to purchase your own copy to secure a money savvy life for your child/ren.


Money Savvy Kids now Accepts Bitcoin payments

Money Savvy Kids (MSK), is now accepting Bitcoin as a method of payment for all services rendered as from 1 July 2017. It is due to the recognition of the widespread popularity and use of this cryptocurrency that MFM Money has come to this decision.

Bitcoin is the first decentralized digital currency on the planet that is kept in a digital wallet on your computer or mobile device. It is not controlled by any single entity and the process of sending bitcoins is as simple as sending an email. All transactions are recorded in a transparent public virtual ledger that can be reviewed by anyone with an internet enabled computer. Other traditional methods are still accepted and encouraged.