Their accounts of the courses — in their own words, as far as possible.

The First Inventory course was slower than I expected, but in a way that was useful rather than frustrating. We spent the first session just listing everything — accounts, standing orders, the lot. By week three I had a clearer picture of my own money than I had managed in the previous twenty years. The written summaries helped a great deal.

I took the statements course mainly because I had never properly read my EPF statement. There is a lot on there that I simply did not understand. The session on EPF was the most useful for me — Azlan went through it section by section, and by the end I knew what each figure represented. Worth the price for that session alone, honestly.

I was sceptical at first — I had attended financial talks before that turned into sales pitches about thirty minutes in. This was nothing like that. No one tried to sell me anything, in any of the six sessions. The pace suited me. I am not a fast learner with financial matters, and the facilitator never made me feel that I was asking too many questions.

I enrolled in the retirement programme at 52, which felt perhaps a little late. Noraini was clear that there is still a great deal to organise and consider even at this point, and the six months gave me a much more structured view of what the next decade needs to look like. The written closing summary alone was worth keeping — I refer back to it regularly.

The insurance statement session was something I did not know I needed. I had three policies I could not have explained if asked — I was just paying the premiums each month. After that session I knew what each policy covered, what it did not cover, and which one I should probably review. A practical course, not a theoretical one.

I took the First Inventory course expecting it to be a bit dry. It was dry, in fact — but in the way that careful work is dry. We were not there to be entertained. By the end I had a proper written record of every account I hold, every recurring outflow, and every insurance commitment. I could not have told you those numbers off the top of my head before.