Margarita L. Valverde

When I first came to Hong Kong, I had huge debts, as I did not know how to manage my salary. I learned of Enrich through my friends and since then, have learned how to speak up and say “no”. Enrich has taught me how to talk to my husband when discussing the management of our finances and why we should avoid taking loans.

I have also learned how to prioritize what I want to achieve, which is my children’s education. I am very grateful for my mentor Eliza, as I have learned how to manage my future plans and the importance of having the habit of saving money.

I have also shared my experiences with Enrich with my children in the Philippines, and they now send me a breakdown of our finances before I send my remittances back to the Philippines so we can save more for the future.

I am very proud of my children, and every cent and penny I have earned in Hong Kong has been greatly valued by my family and myself.