Themba congratulates Sophie on finishing the On the Money programme with him. He asks her what she thinks she needs to do from now on. Sophie says her list is long. She needs to do the following:

• Check and update her budget
• Learn to control her impulse spending
• Close some of her store accounts
• Set up time every month to review her budget
• Charge down her debt, especially her expensive debt
• Start saving for her own and her children’s education
• Start saving for a home
• Draw up a will

Themba agrees that she has a lot to do but says he is there to help her along her journey. He says he would love to visit her one day, in her new house after she has her new job as a receptionist.