Mistakes are keeping you from financial freedom

My wife and I have been fortunate enough to have the guidance of Terry, and we couldn't be more grateful for what we've learned so far. Terry's wisdom on financial freedom has been invaluable in helping us navigate through some difficult situations. When sudden medical expenses arose within our family, we were able to provide contributions thanks to the lessons we learned from Terry. Previously, such situations would have caused us great stress, but because we had saved towards the Khonapho fund, it was a minor inconvenience. Before Terry, we didn't know how to save or how much money we needed to achieve financial freedom. Now, we have a clear plan and are on track to reach our goals.

Bernie and Vaughn

My journey to financial stability started on March 18th 2023. The "Now Educated" podcast and the "Becoming Financially Unshakeable" course by Terry, changed my perspective on money. Growing up, I believed that people could only earn money from better-paying jobs, but Terry taught me how money comes into our lives and that there is no right age to start earning. I have learnt to view myself as a business professional and to appreciate that I am responsible for my breakthrough. I learned that problems are opportunities to find the skills required in the current situation or market. This journey has helped me develop and generate ideas about how to start my own business.

Patrick Machama

I had the pleasure of participating in Terrence's Financial Literacy Masterclass. I was drawn to his expertise in the field. From the outset, it was apparent that Terrence possesses an exceptional knowledge. He expertly broke down complex financial concepts into easily understandable pieces of information and made the experience truly enriching. What made this masterclass truly exceptional was Terrence's sincere passion for educating individuals on financial matters. He genuinely cares about each participant's success and goes above and beyond to ensure that everyone understands the concepts thoroughly. He patiently addressed all questions and concerns, creating a supportive and inclusive learning environment.

Tariro Negitare

I've come to realize how crucial it is to stay in control of my finances. It's tempting to spend recklessly when the money is there, but practicing financial discipline has taught me to resist social pressures. Instead, I aim to budget and save every penny to secure a better future for my family.

Pangea Chaeruka

Financial literacy is essential for individuals and businesses alike, and Terrence and the Khonapho Community's teachings on the subject are both empowering and liberating. I highly recommend these courses to anyone who wishes to gain financial knowledge and competence.

Mpi Ndebele

In today's world, it seems like everyone has a brilliant idea for making money. But it's not until you lose what you've worked so hard to earn that you realize the importance of seeking assistance in preserving and expanding your wealth. That's where Terry and the Khonapho Community come in. Since partnering with these financial experts, I've developed a habit of safeguarding and increasing my income.

Farai Mangada

Prior to attending financial literacy training, I struggled with budgeting and setting financial goals. However, after attending various in-person seminars and joining a master class on WhatsApp by Terrence, I acquired new skills and strategies that empowered me to take control of my finances and achieve financial freedom. One of the most valuable lessons I learned was to not rely solely on a salary but to have multiple income streams. This shift in mindset helped me take my farming business more seriously and focus on value addition for my products. I'm still learning, and in 2024, I plan to further my education on investing in the stock market. The financial literacy training has been life-changing for me, and I strongly encourage other young adults to take it up. By learning valuable skills and knowledge, you too can build a secure future with multiple income streams and financial freedom.

Sunga Mzeche

I'm thrilled to say that I've had the opportunity to connect with Terrence and the Khonapho community through Pitch Nights. From the unique ideas to the incredible atmosphere, everything about the event is outstanding. I always anticipate the next iteration of Pitch Night. Not only have I met wonderful people, but I've also developed great friendships. Being part of this expanding community is something I'm truly excited about. The Masterclasses are the icing on the cake. They're a perfect complement to the Pitch Night events, and I enjoy both the online and in-person sessions. It's amazing how much insight and knowledge you can gain with just a little investment of your time and eagerness to learn.

Benedict Daniel

Three years ago, our charitable organization was expanding its portfolio to include an income-generating project to support our cause. That's when we met Terrence. With his guidance, we were able to set up the project while ensuring compliance with all state remittances. His expert advice helped us generate income and support those in need. Terrence is always available to provide guidance and explain complex issues in layman's terms. We have come to rely on his judgment and trust his recommendations. We highly recommend him to anyone seeking a sound financial advisor or educator.

Shelter Hlomani Masina

Thanks to the Now Educate podcast I've been listening to, I've started to view work as a chance to expand my skills and abilities. This new perspective is allowing me to offer a wider variety of services to my clients and improve my career as a business professional. I'm now more motivated than ever to cultivate a growth mindset and continue my path of intentional development.

Prince Sithole

I used to struggle with managing my finances, but thanks to the "Now Educated" podcast, I have a better understanding of the subject. Now, I feel empowered to take control of my financial future and chart a better path forward.

Xeshelihle Ncube

Life can be unpredictable, and it's important to be prepared for whatever comes your way. One way to do so is by establishing clear priorities, especially when it comes to finances. Through Terrence Mugova's financial literacy program, I've been able to gain valuable knowledge and a fresh perspective on life. Despite my previous struggles with managing finances, this program has enabled me to save for my children's college fund and plan for my future with confidence. In addition, the program introduced me to the concept of an emergency fund, which proved to be a lifesaver when my daughter contracted COVID-19 during a period of financial hardship. The fund provided much-needed relief, and I'm incredibly grateful for the security it provided.

Saston Murove

My journey to 'SMarT money' was necessary to affirm and strengthen some habits I had started already, drop the bad ones, and to start thinking about how I would need to be considerate in my financial planning now to live the life I want tomorrow. Working with Terry, we were able to introduce new ways of thinking about 'long-term money', small investments now will help set me up for future benefits. In addition, he was also pivotal in considering different pathways to get to my desired end route. The assignments and learning about the big 5 - and not the animals - helped to put into perspective spending habits of the wealthy and how those same principles could change my relationship with money.

Melody Sango

For years, there has been a negative stereotype surrounding the Christian community's approach to money. It has been unfairly depicted as a source of evil, when in reality, it is simply a measure of one's performance. The book of Deuteronomy explicitly highlights that God has given us the ability to create and obtain what we desire, rather than solely relying on prayer. This act of creation allows us to acquire the necessary skills and receive a certificate of performance (money) as an expression of appreciation. Through repetition, we can conduct business and become skilled professionals in our field. This is the insight I received from being part of the Faith Based Business Professional course.

Patrick Makezhe

My husband and I decided to try the tin-saving method to see how much money we could accumulate by December. We'd throw in any spare cash, from dollar bills to even $20 notes. We were astounded to discover we had saved $219 after just three months! We used our saved funds to enhance our holiday experience, from Uber rides to meals. This inspired us to start saving intentionally for the upcoming year and enhancing our ability to create lasting memories. We're grateful to Terry for showing us the power of intentional saving

Samantha Sabao

Financial planning and handling money can be daunting topics to tackle. The lack of education on the subject in our schools and society can make it overwhelming. Typically, we obtain money only to spend it, but there's so much more to it than that. Terrence and his team are passionate about helping people gain a deeper understanding of financial management, saving, and investing. Their programs are designed to help you leverage your finances to create wealth and employment opportunities. Investing in Terrence's program is a wise investment for anyone looking to improve their financial situation.

Simba Nhapi

Growing up, I was taught that money was inherently bad and that it was unattainable. This mindset made it difficult for me to see the value of charging for quality work, let alone building wealth. Through working with Terrence, I learned that it's perfectly acceptable to receive fair compensation for a job well done. This doesn't mean we can't still help others and do it with integrity. I applied this principle to my business model for my non-profit, which allowed me to create greater opportunities for those I serve while also using money as a valuable tool.

Paidarufaro Chivanga

As a medical school student, I gained a thorough understanding of the human body, from the intricacies of metabolism to the complexities of nerve pathways and the heart's function. I learned how to work under pressure, thinking quickly on my feet to save lives. Despite my extensive training, I was unprepared for the harsh realities of life, where finances play a significant role. I met Terrence through a mutual acquaintance, who taught me how to take control of my finances and make them work for me. Another valuable lesson he imparted was the idea that money is a terrible master but an excellent servant. With his help, I joined a network of professionals who taught me how to manage my finances, invest intelligently, and leverage my talents to benefit others. The experience has been transformative.

Dr Herbert Nyakutsikwa

Three years ago, I had the pleasure of meeting Terry. We met on the way back home after a community initiative. Terry shared his expertise on financial planning and the value of saving for the future. One strategy that particularly resonated with me was the "Save More Tomorrow" approach. Terry's explanation of this technique struck a chord, and I soon adopted this strategy. When I started my own business, the teachings provided a sense of financial security. In hindsight, my conversations with Terry introduced me to a working concept and empowered me to apply it. I am systematically building a robust financial foundation, securing my family's future, and pursuing my entrepreneurial endeavors with confidence.

Elliard Kapfumo

Terry has a knack for knowing exactly where to mine the gems that are strategic keys for financial direction. Whether investment, business or a home body he has a way of mapping out ways that make us all financially wise. He puts things in simple terms and makes it easy to understand how to know your money, take care of it, save it and grow it. Speaking to him leaves me clear headed, with a sense of purpose and inspired. I feel like I can and I do and so can you. He checks in and has a way of keeping you heading in the right direction which is not an easy task. I would recommend finance training and advise from him without skipping a beat. He understands and so he shapes.

Sherine Taylor

For six years now, I've had the privilege of knowing Terrence. His unwavering passion for entrepreneurship has been a driving force behind my own pursuit of financial freedom and life purpose. His tireless dedication to educating people on financial literacy has been an invaluable asset in my own understanding of money and its nuances.

Tatenda Phiri

Information is valuable when it can be broken down into manageable pieces. That's what I love about the Now Educated podcast - it makes complex topics easy to understand. I look forward to following their insightful conversations and growing in knowledge alongside their passionate team.

Nkazimulo Khumalo

I joined the Smart Women Money programme and found a supportive community and practical tools that transformed my relationship with money. I no longer dread budgets, embrace investing, and feel empowered to build a brighter future — all thanks to this incredible program.

Victoria Nxumalo

The passion that oozes out of Terrence as he talks about the subject of financial literacy is contagious. I love the way he has taken something that is usually riddled with all kinds of technical jargon and demystified it so that the common person can understand it and participate in it. His masterclasses have immensely helped me to both understand how money works and set myself up to win financially.

Kudakwashe Mzembe

It is often said that a woman's greatest need is security, be it in a relationship or in life generally. This need for security is what led me to have my first conversation with Terrence about financial stability. Unlike other financial coaches, Terry did not promise me unrealistic returns or guarantee me riches beyond my wildest dreams. Instead, he was brutally honest - a trait I came to appreciate. Terry made me realize that financial security requires consistent commitment and maturity. I used to blame Zimbabwe for my lack of financial security, but I soon realized that I was only blaming the country for my lack of discipline. Maturity is the ability to delay gratification and that's what Terry's process did for me.

Banele Mandaza

At the age of 18, I began my investment journey, and over time, I made a variety of interesting, yet not wrong, decisions. Despite losing more times than succeeding, I remained resilient and educated. In my pursuit of investment education, I came across the "dollar-cost averaging" lesson, which is one of the best I've learned. My investment journey is still being written, and I'm grateful to Terrence Mugova for bouncing ideas and challenging my investment philosophy and strategy. Although we may not always agree on investment philosophy, we both understand that investing is the key to passive wealth growth, and we agree that the ZSE is an excellent place to start the journey.

Takunda Mudenge

Since meeting Terry, my mind has expanded to recognize my capabilities and potential, as well as the benefits of investing in the stock market and how it can positively impact my life and those around me. Terry and I discussed the concept of generational wealth, which led to the creation of an investment club seeking to secure financial freedom for our families. Terry's knowledge of planning and decision making when it comes to loans and mortgages has been invaluable. Terry is a wealth of knowledge when it comes to business setup, investment opportunities, managing business growth, and the value of community. He is a reliable and trustworthy individual always willing to lend a helping hand.

Rudolph Volkwyn

I am grateful to have benefited from the Khonapho Community, which has provided invaluable assistance in understanding the value of money as an instrument and how to invest it in various opportunities. Their guidance has opened my eyes to the possibilities of what money can do for me and my loved ones. With the Khonapho Community, there are endless opportunities to save, spend, and invest in different instruments, all tailored to meet your unique needs. Thank you, Khonapho Community, for helping me along my financial journey.

Progress Mahuvera

Terrence has proven to be an invaluable friend to me in numerous ways, but most notably through his unwavering availability and immense generosity. He's always willing to listen, support, and offer sound advice, without ever making me feel like I'm imposing on him. Terry's always ready to lend a hand, a shoulder, or an ear, with his attentiveness and empathy serving as a testament to his admirable character. Terry's generosity extends beyond just his time and willingness to listen. He has helped me with an abundance of projects, tasks, and challenges, generously sharing his skills, knowledge, and experience with me.

Andokuhle Hadebe

When I joined the Financial Dreams program with Terrence Mugova and his team, I thought it was already too late for me to embark on my journey to financial literacy and empowerment. Despite reading numerous books and attending various talks on the subject, I still found it challenging to plan my financial future realistically. However, the personalized and engaging approach of the program, accompanied by real-life examples, accountability checks, and practical actions, enabled me to take tangible steps to invest in stocks, something I had been wanting to do for ages but was always too scared to attempt.

Selina Zigomo

Terrence's financial expertise has been invaluable to me, both personally and professionally. He has an exceptional way of motivating you to take charge of your financial future, backed by easy-to-use tools that are especially relevant to young Africans looking to invest. His guidance was crucial in our team's successful establishment of an Investment Fund.

Mutsa Samuel

Whether you're a seasoned investor or just starting out, the Smart Women Money Masterclass is a valuable resource for anyone who interacts with finances. This course provided me with the knowledge to invest my hard-earned money wisely and become a savvy woman with money. I highly recommend it to everyone looking for lifelong financial success.

Takudzwa Maposa

Terrence's program has revolutionized my approach to finance, giving me a clear roadmap to financial success in an approachable way. My comprehension of money management has been transformed since then. I learned about the importance of having immediate funds for everyday expenses and discovered a step-by-step process to calculate an emergency fund tailored to my unique lifestyle, which he calls Khonapho Funds. His insights on stock market investments were comprehensive and delivered in a friendly manner, making it easy for me to grasp the complexities. The course was also a guide to achieving financial freedom while enjoying the journey.

Shirley Moyo