Camblish Training Institute – Most Accredited Training Skills Development Service Provider in South Africa
Introduction
Hi there to all South African Human Resource Managers, Training Managers, Skills development facilitators, learning and Development Managers, Talent Acquisition Managers and all employers who have the spirit to empower their employees through Training and development. My name is Khan. I write articles, review and rate businesses. I bring to you the most definitive reviews and articles with all the answers you are looking for. We do all the hard work for you, so you don’t have to stress it Welcome to www.khane-academy.com. Today I will be reviewing an Accredited Training Service Provider in South Africa called Camblish Training Institute
Is Camblish Training Institute, the Top Most accredited Training Provider aka Skills Development Provider in South Africa?
I will like to clear this up once and for all!!!
In August 2021, according to the QCTO, there were 1183 accredited Skills Development Providers in South Africa. This number must have gone past 2000 in 2022. Camblish Training Institute, one of the accredited Skills Development Providers, prides itself as the top most accredited training skills development provider in South Africa. Can this be true? have a look at the below summary;
Summary of Accreditations at Camblish
Camblish Training Institute is accredited with up to 217 Qualifications/ programmes, more than 3500 skills Programmes and more than 6000 stand-alone single unit standards, for the following Training Accreditation bodies: 14 different SETAs and the QCTO as well as professional bodies such as CESA, SAIOSH, PECB, ICB, and Pearson Vue for testing services. See the summary below.
- Consulting Engineers of South Africa – CESA, to offer 13 Programmes, with the possibility of earning CPD Credits /Points for each successfully completed programme
- Professional Evaluation and Certification Board – PECB, to offer 69 Programmes
- Institute of Certified Bookkeepers – ICB, offer 03 Qualifications/ Programmes at the NQF Level
- Quality Council for Trades and Occupations – QCTO, to offer 20 Qualifications/ Programmes both at the NQF level and at the N4, N5 and N6 levels
- Bank Sector Education and Training Authority – Bank SETA to offer 02 Qualifications/ Programmes at the NQF Level
- Insurance Sector Education and Training Authority – INSETA, to offer 05 Qualifications/ Programmes at the NQF Level
- Public Sector Education and Training Authority – PSETA, to offer 05 Qualifications/ Programmes at the NQF Level
- Education, Training and Development Practices Sector Education and Training Authority – ETDP SETA, to offer 07 Qualifications/ Programmes at the NQF Level
- Culture, Art, Tourism, Hospitality, and Sport Sector Education and Training Authority – CATHSSETA, to offer 04 Qualifications/ Programmes at the NQF Level
- Health and Welfare Sector Education and Training Authority – HWSETA, to offer 03 Qualifications/ Programmes at the NQF Level
- Transport Education Training Authority – TETA, to offer 01 Qualification/ Programme
- Local Government Sector Education and Training Authority – LGSETA, to offer 10 Qualifications/ Programmes
- Agriculture Sector Education Training Authority – AgriSETA, to offer 09 Qualifications/ Programmes
- Energy & Water Sector Education Training Authority – EWSETA, to offer 07 Qualifications/ programmes
- Media, Information and Communication Technologies Sector Education and Training Authority – MICT SETA, to offer 14 Qualifications/ Programmes
- Wholesale and Retail Sector Education and Training Authority – W&RSETA, to offer 06 Qualifications/ Programmes
- Services Sector Education and Training Authority – SSETA or Services SETA, to offer 35 Qualifications/ Programmes
- Fibre Processing and Manufacturing Sector Education and Training Authority – FP&M SETA, to offer 04 Qualifications/ Programmes
This is a simple plain and clear review for everyone to see that Camblish Training Institute is the top most accredited training skills development provider in South Africa.
To make your life easy and with the help and support from all the 21 SETAs and the QCTO as Skills development accreditation providers in South Africa, I have spent 9 years, digging deeper and deeper into the accredited skills development providers world. I am giving you first-hand information here. Trust me, this is the truth, the honest truth and the most definitive honest review about Camblish Training Institute.
You are certainly here because you want to establish the following facts about Camblish Training Institute;
- Is Camblish Training Institute The Top Most Accredited Training Skills Development Provider?
- Does Camblish Training Institute have a Learning Management System to offer virtual/ online e-learning and training?
- Does Camblish Training Institute have training footprints all over South Africa?
- Is Camblish Training Institute accredited with the Consulting Engineers of South Africa – CESA?
- Is Camblish Training Institute accredited by the Professional Evaluation and Certification Board – PECB?
- Is Camblish Training Institute accredited with the Institute of Certified Bookkeepers – ICB
- Is Camblish Training Institute accredited with the Quality Council for Trades and Occupations – QCTO?
- Is Camblish Training Institute accredited with the Bank Sector Education and Training Authority – Bank SETA?
- Is Camblish Training Institute accredited with the Insurance Sector Education and Training Authority – INSETA?
- Is Camblish Training Institute accredited by the Public Sector Education and Training Authority – PSETA?
- Is Camblish Training Institute accredited with the Education, Training and Development Practices Sector Education and Training Authority – ETDP SETA?
- Is Camblish Training Institute accredited with the Culture, Art, Tourism, Hospitality, and Sport Sector Education and Training Authority – CATHSSETA?
- Is Camblish Training Institute accredited with the Health and Welfare Sector Education and Training Authority – HWSETA?
- Is Camblish Training Institute accredited by the Transport Education Training Authority – TETA?
- Is Camblish Training Institute accredited with the Local Government Sector Education and Training Authority – LGSETA?
- Is Camblish Training Institute accredited with the Agriculture Sector Education Training Authority – AgriSETA?
- Is Camblish Training Institute accredited with the Energy & Water Sector Education Training Authority – EWSETA?
- Is Camblish Training Institute accredited with the Media, Information and Communication Technologies Sector Education and Training Authority – MICT SETA?
- Is Camblish Training Institute accredited with the Wholesale and Retail Sector Education and Training Authority – W&RSETA?
- Is Camblish Training Institute accredited with the Services Sector Education and Training Authority – SSETA or Services SETA?
- Is Camblish Training Institute accredited with the Fibre Processing and Manufacturing Sector Education and Training Authority – FP&M SETA?
Then say no more.
Executive Summary
Camblish Training Institute was founded in 2011 in Braamfontein, Johannesburg, South Africa. It started with six employees. In 2014, its workforce grew to 12.
In 2013, Camblish Training Institute obtained its first accreditation from Services Seta and held its first international training in Malawi. Camblish has expanded its footprint in Africa to countries like Zimbabwe, Nigeria, Cameroon, Lesotho, Swaziland, Zambia, and Namibia.
Over the years, Camblish has facilitated various accredited and non-accredited training for local and international clients with excellence. It is today, the top most accredited training Skills Development Provider and company in Southern Africa.
In the advent of Covid-19, Camblish Training Institute designed and developed a master class Learning Information Management System
Camblish Training Institute is dedicated to designing customized programmes that meet the requirements and preferences of every client.
Their training programs start with a needs analysis, followed by research to identify appropriate solutions, development of client-centred tailored training materials, delivery of solution-driven high-impact training, evaluation of the training sessions to check impact, and additional support when needed and afterwards, certify the candidates.
Throughout their training programmes implementation, they claim to guarantee that each participant will be able to apply their learning to the workplace right away.
My Verdict
- They are dedicated to providing world-class business services that will effectively assist clients toward a more strategic, effective, productive, and profitable future.
- By improving productivity and reducing costs, they add value to clients’ business operations.
- They provide top-class services in an ever-changing and fast-paced world as success is determined by good choices for lasting effects.
- Their corporate social responsibility investments are aimed at uplifting the destitute, creating local economic opportunities, and ultimately, creating jobs for the nation and other economies.
- For the nation and beyond, they aim to be a facilitator of opportunity identification and realization, growth, and transformation.
This does not mean Camblish Training Institute is a saint in the accredited Skills Development Provider industry though.
What Are The Core Businesses of Camblish?
There are 03 core businesses;
- Corporate Training and
- Consultancy
- Research
Corporate Training At Camblish
Corporate training, also known as Corporate Education or more recently Workplace Learning, is a system of activities designed to educate employees. While it helps employers, it is also beneficial for employees as it helps them obtain and hone knowledge and skills to progress professionally and personally. It is broken down into two:
- Learnerships: A Learnership is a work-based learning programme that leads to an NQF registered qualification.
- Internships: An internship is a period of work experience offered by an organization for a limited period of time.
Consultancy at Camblish
Camblish also provides bright solutions that produce profitable results in businesses. Businesses can be built by building strategies and building confidence. Camblish provides expert advice on business issues and makes recommendations to organizations or individuals. Their consultancy core business is divided into three:
- Business registration and setup: Camblish helps businesses that wish to transact with the government and the formal sector, or that wish to access certain types of government support to register their companies on the South African Companies and Intellectual Property Commission – CIPC
- Business Support Services: Camblish’s business support services are meant to help businesses develop by analyzing the current situations, reviewing issues and providing constructive feedback and strategies to overcome those issues.
- BBBEE and Transformation: Broad-based black economic empowerment (BBEEE) is a South African government policy to advance economic transformation and enhance the economic participation of Black people (African, Coloured and Indian people who are South African citizens) in the South African economy. Camblish also helps in this process
Research At Camblish
Camblish Training Institute gathers and analyzes data about customers, competitors, distributors, and other actors and forces in the marketplace. A large portion of the work performed by Camblish Training Institute is commissioned by specific companies for particular purposes.
Summary of All Accredited Programmes at Camblish
Is Camblish Training Institute Accredited With The Consulting Engineers of South Africa – CESA?
The Engineering Council of South Africa – The ECSA, is empowered by the Consulting Engineers of South Africa – CESA, to register persons in four professional categories: Professional Engineer; Professional Engineering Technologist; Professional Certificated Engineer; and Professional Engineering Technician
Camblish Training Institute is empowered, as a member of the Engineering Council of South Africa, is empowered to train and register persons in category 1 – Professional Engineers to offer 13 Programmes, with the possibility of earning CPD Credits /Points for each successfully completed programme. See the below table (If you have ever taken any of these courses, please help us rate the course in the last column of the below table):
Is Camblish Training Institute accredited by the Professional Evaluation and Certification Board – PECB?
Yes, Camblish Training Institute is registered with the Professional Evaluation and Certification Board – PECB, to offer 69 Programmes. PECB is an education, training and certification body for persons, management systems, and products on a wide range of international standards.
With the PECB, Camblish Training Institute is registered to offer the following Programme Fields:
[wptb id=20263]
Camblish Training Institute’s Accredited Programmes with the Services SETA
- SAQA ID: 58309 / ND: Project Management / NQF Level 5 – 247 Credits
- SAQA ID: 93994 / ND: Labour Relations Practice: Dispute Resolution / NQF Level 5 – 241 Credits
- SAQA ID: 21792 / ND: Contact Centre Management / NQF Level 5 – 241 Credits
- SAQA ID: 80946 / NC: Community Development / NQF Level 5 – 147 Credits
- SAQA ID: 66189 / NC: Quality Management Systems / NQF Level 5 – 120 Credits
- SAQA ID: 59201 / NC: Generic Management / NQF Level 5 – 162 Credits
- SAQA ID: 49648 / NC: New Venture Creations (SMME) / NQF Level 2 – 138 Credits
- SAQA ID: 67465 / NC: Business Administration / NQF Level 3 – 120 Credits
- SAQA ID: 58395 / NC: Project Management / NQF Level 5 – 120 Credits
- SAQA ID: 50398 / NC: Project Support Service / NQF Level 3 – 136 Credits
- SAQA ID: 71490 / NC: Contact Centre Support / NQF Level 2 – 128 Credits
- SAQA ID: 20175 / NC: Hygiene and Cleaning Supervision / NQF Level 3 – 120 Credits
- SAQA ID: 36233 / NC: Specialist Hygiene and Cleaning Services / NQF Level 2 – 120 Credits
- SAQA ID: 93997 / NC: Contact Centre and Business Process Outsourcing Support / NQF Level 3 – 124 Credits
- SAQA ID: 93993 / NC: Labour Relations Practice / NQF Level 5 – 121 Credits
- SAQA ID: 49075 / NC: Organisational Transformation and Change Management / NQF Level 5 – 127 Credits
- SAQA ID: 50080 / FETC: Project Management / NQF Level 4 – 136 Credits
- SAQA ID: 57712 / FETC: Generic Management / NQF Level 4 – 150 Credits
- SAQA ID: 66249 / FETC: New Venture Creations / NQF Level 4 – 149 Credits
- SAQA ID: 61595 / FETC: Business Administration / NQF Level 4 – 140 Credits
- SAQA ID: 93996 / FETC: Contact Centre Operations / NQF Level 4 – 132 Credits
- SAQA ID: 58063 / FETC: Labour Recruitment Services / NQF Level 4 – 152 Credits
- SAQA ID: 57937 / GETC: Hygiene and Cleaning / NQF Level 1 – 120 Credits
Camblish Training Institute’s Accredited Programmes with the MICT SETA
- SAQA ID: / NC: Information Technology: End User Computing / NQF Level 3 – 130 Credits
- SAQA ID: / NC: Information Technology: Systems Development / NQF Level 5 – 131 Credits
- SAQA ID: / NC: Information Technology: Systems Support / NQF Level 5 – 147 Credits
- SAQA ID: / FETC: Information Technology: Technical Support / NQF Level 4 – 163 Credits
- SAQA ID: / FETC: Information Technology: Systems Development / NQF Level 4 – 165 Credits
Camblish Training Institute’s Accredited Programmes with the AGRI SETA
- SAQA ID: 48970 / NC : Animal Production / NQF Level 1 – 120 Credits
- SAQA ID: 48972 / NC : Plant Production / NQF Level 1 – 120 Credits
- SAQA ID: 48975 / NC : Plant Production / NQF Level 2 – 120 Credits
- SAQA ID: 48976 / NC : Animal Production / NQF Level 2 – 120 Credits
Camblish Training Institute’s Accredited Programmes with the LGSETA
- SAQA ID: 36438 / NC: Local Economic Development / NQF Level 5 – 142 Credits
- SAQA ID: 50309 / FETC : Environmental Practice / NQF Level 4 – 140 Credits
- SAQA ID: 36437 / NC: Local Economic Development/ NQF Level 6 – 144 Credits
- SAQA ID: 48965 / NC: Municipal Financial Management/ NQF Level 6 – 166 Credits
- SAQA ID: 58644 / NC: Local Government Support Services / NQF Level 3 – 127 Credits
- SAQA ID: 49554 / ND: Public Finance Management and Administration / NQF Level 5 – 260 Credits
- SAQA ID: 50205 / NC: Municipal Integrated Development Planning / NQF Level 5 – 160 Credits
- SAQA ID: 59201 / NC : Generic Management: Disaster Risk Management / NQF Level 5 – 162 Credits
- SAQA ID: 57823 / NC: Ward Committee Governance / NQF Level 2 – 120 Credits
- SAQA ID: 49605 / NC : Environmental Practice/ NQF Level 2 – 128 Credits
Camblish Training Institute’s Accredited Programmes with the PSETA
- SAQA ID: 57827 / ND: Public Administration / NQF Level 7 – 260 Credits
- SAQA ID: 57897 / ND: Public Administration / NQF Level 6 – 240 Credits
- SAQA ID: 57804 / NC: Public Administration / NQF Level 3 – 157 Credits
- SAQA ID: 50060 / NC: Public Administration / NQF Level 5 – 141 Credits
- SAQA ID: 57824 / FETC: Public Administration / NQF Level 4 – 146 Credits
Camblish Training Institute’s Accredited Programmes with the INSETA
- SAQA ID: 57917 / FETC: Wealth Management / NQF Level 4 – 150 Credits
- SAQA ID: 49649 / FETC: Long-term Insurance / NQF Level 4 – 140 Credits
- SAQA ID: 49929 / FETC: Short Term Insurance / NQF Level 4 – 150 Credits
- SAQA ID: 57608 / NC: Wealth Management / NQF Level 5 – 120 Credits
- SAQA ID: 49835 / FETC: Retail Insurance / NQF Level 4 – 140 Credits
Camblish Training Institute’s Accredited Programmes with the BANKSETA
- SAQA ID: 23453 / NC: Micro Finance / NQF Level 3 – 120 Credits
- SAQA ID: 20185 / FETC: Banking / NQF Level 4 – 120 Credits
Camblish Training Institute’s Accredited Programmes with the ETDPSETA
- SAQA ID: 115753 / NC: Conduct Outcome-Based Assessment/ NQF Level 5 – 15 Credits
- SAQA ID: 115755 / FETC: Design and Develop Outcome-Based Assessment / NQF Level 6 – 10 Credits
Camblish Training Institute’s Accredited Programmes with the HWSETA
- SAQA ID: 64749 / NC: Community Health Work / NQF Level 2 – 140 Credits
- SAQA ID: 64697 / FETC: Community Health Work / NQF Level 4 – 156 Credits
- SAQA ID: 49256 / FETC: Counselling / NQF Level 4 – 140 Credits
Camblish Training Institute’s Accredited Programmes with the CATHSSETA
- SAQA ID: 48808 / NC: Performing Arts / NQF Level 4 – 150 Credits
Camblish Training Institute’s Accredited Programmes with the TETA
- SAQA ID: 74149 / NC: Supply Chain Management / NQF Level 5 – 150 Credits
Camblish Training Institute’s Accredited Programmes with the ICB
- SAQA ID: 58375 / NC: Bookkeeping / NQF Level 3 – 120 Credits
- SAQA ID: 58376 / FETC: Bookkeeping / NQF Level 4 – 130 Credits
- SAQA ID: 48736 / NC: Small Business Financial Management / NQF Level 4 – 120 Credits
Camblish’s Accredited Programmes and Their Related Unit Standards
Unit Standards Related to SAQA ID 71751 FETC: Adult Basic Education NQF Level 01
- SAQA ID 14659 – Demonstrate an understanding of factors that contribute towards healthy living
- SAQA ID 14569 – Demonstrate an understanding of how to participate effectively in the workplace
- SAQA ID 14656 – Demonstrate an understanding of sexuality and sexually transmitted infections including HIV/AIDS
- SAQA ID 14664 – Demonstrate knowledge of diversity within different relationships in the South African society
- SAQA ID 14661 – Demonstrate knowledge of self in order to understand one`s identity and role within the immediate community and South African society
- SAQA ID 113966 – Identify security, safety and environmental risks in the local environment
- SAQA ID 15092 – Plan and manage personal finances
- SAQA ID 15091 – Plan to manage one`s time
- SAQA ID 7464 – Analyse cultural products and processes as representations of shape, space and time
- SAQA ID 7449 – Critically analyse how mathematics is used in social, political and economic relations
- SAQA ID 119373 – Describe and represent objects in terms of shape, space and measurement
- SAQA ID 7452 – Describe, represent and interpret mathematical models in different contexts
- SAQA ID 119635 – Engage in a range of speaking/signing and listening interactions for a variety of purposes
- SAQA ID 119364 – Evaluate and solve data handling and probability problems within given contexts
- SAQA ID 119631 – Explore and use a variety of strategies to learn
- SAQA ID 119640 – Read/view and respond to a range of text types
- SAQA ID 7450 – Work with measurement in a variety of contexts
- SAQA ID 119362 – Work with numbers; operations with numbers and relationships between numbers
- SAQA ID 7448 – Work with patterns in various contexts
- SAQA ID 119636 – Write/Sign for a variety of different purposes
- SAQA ID 7533 Access creative arts and cultural processes to develop social and interactive skills to promote self-esteem and healing
- SAQA ID 7511 – Analyse how scientific skills and knowledge contribute to sustainable use of resources
- SAQA ID 7509 – Apply basic concepts and principles in the natural sciences
- SAQA ID 11337 Apply knowledge of the relationship between tourism and the community
- SAQA ID 11335 Apply knowledge to identify and promote tourist destinations and attractions in South Africa
- SAQA ID 7513 – Assess the impact of scientific innovation on quality of life
- SAQA ID 13356 – Assess the influence of the environment on sustainable livestock production
- SAQA ID 119564 – Assist the community to access services in accordance with their health-related human rights
- SAQA ID 7508 – Conduct an investigation in the natural science
- SAQA ID 13357 – Demonstrate an understanding of agricultural production management practices in relation to the socio-economic environment
- SAQA ID 13354 – Demonstrate an understanding of agriculture as a challenging and applied system
- SAQA ID 13999 – Demonstrate an understanding of basic accounting practices
- SAQA ID 13995 – Demonstrate an understanding of contracts and their sources
- SAQA ID 115480 – Demonstrate an understanding of diversity and change in a dynamic society
- SAQA ID 10006 – Demonstrate an understanding of entrepreneurship and develop entrepreneurial qualities
- SAQA ID 14001 – Demonstrate an understanding of managerial expertise and administrative capabilities
- SAQA ID 7507 – Demonstrate an understanding of the concept of science
- SAQA ID 13355 – Demonstrate an understanding of the physical and biological environment and its relationship to sustainable crop production
- SAQA ID 13998 – Demonstrate an understanding of the principles of supply and demand, and the concept: production
- SAQA ID 115477 – Demonstrate knowledge and understanding of the relationships between social justice, human rights and democracy
- SAQA ID 119559 – Demonstrate knowledge of the provision and implementation of primary health care
- SAQA ID 10009 – Demonstrate the ability to start and run a business and adapt to a changing business environment
- SAQA ID 259939 – Describe wholesale and retail in South Africa
- SAQA ID 9357 – Develop and use keyboard skills to enter text
- SAQA ID 7529 – Display creative an innovative knowledge, skills and creative concepts through participation in arts and culture activities
- SAQA ID 119563 – Engage in basic health promotion
- SAQA ID 119566 – Explain preventive measures to reduce the potential impact of disasters
- SAQA ID 115471 – Explain the relationship between events, time and space and the effect on society
- SAQA ID 115483 Explain the relationship between society, environment and development
- SAQA ID 13994 Identify and discuss different types of business and their legal implications
- SAQA ID 12539 Identify career opportunities in different sectors of the tourism industry
- SAQA ID 259937 Identify career opportunities in the wholesale and retail sector
- SAQA ID 12543 Identify key features of tourism in South Africa
- SAQA ID 259938 Identify the importance of customer service in the wholesale and retail environment
- SAQA ID 10007 Identify, analyse and select business opportunities
- SAQA ID 13996 Identify, discuss, describe and compare major economic systems, with emphasis on the South African economy
- SAQA ID 13358 Implement and maintain the principles, systems, practices and technology applicable to an agricultural venture
- SAQA ID 117943 Install a Personal Computer (PC) peripheral device, in a GUI environment
- SAQA ID 11336 Interact appropriately with a range of tourists
- SAQA ID 7531 Investigate the influence of the mass media on indigenous practices
- SAQA ID 14097 Know, select and use materials, tools and equipment safely for technological purposes
- SAQA ID 244261 Maintain records and give reports about babies, toddlers and young children
- SAQA ID 117867 Managing files in a Graphical User Interface (GUI) environment
- SAQA ID 116932 Operate a personal computer system
- SAQA ID 119567 Perform basic life support and first aid procedures
- SAQA ID 244263 Prepare an environment for babies, toddlers and young children
- SAQA ID 14666 Prepare oneself for employment
- SAQA ID 7525 Reflect on and engage critically with arts experience and works from diverse groups
- SAQA ID 11334 Select a career path with knowledge of the role players in the tourism industry and their functions
- SAQA ID 14096 Understand and apply technological knowledge and skills in Processes
- SAQA ID 14095 Understand and apply technological knowledge and skills in structures
- SAQA ID 14092 Understand and apply technological knowledge and skills in systems and control
- SAQA ID 14098 Understand and use energy in technological products and systems
- SAQA ID 12541 Understand the nature of tourists in and to South Africa
- SAQA ID 7527 Understand the origins and functions of South African cultures through promoting indigenous Arts and Culture forms and practices
- SAQA ID 11333 Understand the tourism industry
- SAQA ID 116933 Use a Graphical User Interface (GUI)-based presentation application to create and edit slide presentations
- SAQA ID 116938 Use a Graphical User Interface (GUI)-based word processor to create and edit documents
- SAQA ID 7532 Use art skills and cultural expression to make an economic contribution to self and society
- SAQA ID 117902 Use generic functions in a Graphical User Interface (GUI)-environment
- SAQA ID 10008 Write and present a simple business plan
- SAQA ID 260463 Assist the client and significant others to manage home-based health care
- 244255 Care for babies, toddlers and young children
- SAQA ID 117887 Complete basic business calculations
- SAQA ID 14353 Conduct basic financial transactions
- SAQA ID 244258 Demonstrate a basic understanding of child development
- SAQA ID 244262 Interact with babies, toddlers and young children
- SAQA ID 119911 Investigate the costs and benefits of using banking institutions for managing personal finances
- SAQA ID 117900 Plan self-development
- SAQA ID 120496 Provide risk-based primary emergency care/first aid in the workplace
- SAQA ID 119913 Use a personal budget to manage your own money
Conclusion