TEE UP YOUR FUTURE
Helping caddies build
a safer, more secure future.
Financial Literacy Program for Caddies
Tee Up Your Future is a program made for golf caddies in the Philippines. We help you learn how to manage your money, save for emergencies, and plan for your family—while making it easier for golfers to book your services.
Program Overview
A Practical Path to financial Stability
Program Structure
Duration:
6–8 weeks (self-paced or guided)
Delivery:
Online modules (mobile-first)
Simple worksheets & calculators
Support from partner institutions
Curriculum Outline
Module 1: Understanding Your Income
Focus: Building awareness before planning
What You’ll Learn:
How irregular income works
Identifying high and low earning periods
Tracking daily and monthly earnings
Outcome:
Participants gain a clear picture of their actual income patterns, forming the foundation for budgeting and saving.
Module 2: Budgeting Without Restriction
Focus: Control without sacrifice
What You’ll Learn:
Separating essential vs non-essential expenses
Creating a flexible monthly budget
Avoiding overspending during high-income periods
Practical Exercise:
Build a simple budget based on your real earnings.
Module 3: Saving for Stability
Focus: Preparing for uncertainty
What You’ll Learn:
Emergency fund basics
Saving small amounts consistently
Planning for typhoons, illness, or work gaps
Tools Introduced:
Micro-savings accounts (via Cebuana Lhuillier)
Automated saving habits
Module 4: Smart Use of Credit
Focus: Avoiding long-term debt traps
What You’ll Learn:
How credit cards and loans really work
When credit helps—and when it hurts
Recognizing high-risk financial products
Outcome:
Participants learn to avoid unnecessary debt and use credit responsibly when needed.
Module 5: Planning for Family & Retirement
Focus: Long-term thinking made simple
What You’ll Learn:
Saving for children’s education
Basic retirement planning concepts
Understanding insurance in simple terms
Discussion Topics:
Common financial myths
Cultural beliefs around saving and insurance
Module 6: Moving Into the Digital Economy
Focus: Confidence in modern financial tools
What You’ll Learn:
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Using digital wallets safely
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Protecting yourself from scams
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Managing online transactions responsibly
Outcome:
Participants gain confidence as the Philippines shifts toward cashless systems.
Program Completion & Outcomes
What Graduates Gain:
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A personalized financial plan
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A functioning savings account
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Clear habits for budgeting and saving
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Greater confidence in managing money
Optional Recognition:
Certificate of Completion
(for club records or platform profile)
HOW IT INTEGRATES WITH THE PLATFORM
Learning That supports Your Work
Tee Up Your Future is designed to fit naturally into how you already use the platform. You don’t need to stop working or change your routine. Instead, the program runs alongside your bookings—supporting you step by step as you earn.
Who This Program Is For
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New caddies entering the profession
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Experienced caddies seeking stability
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Clubs invested in long-term workforce development
How It Works
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Join the platform as a caddie
Create your profile, set your availability, and begin accepting bookings as usual.
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Enroll in Tee Up Your Future
Once enrolled, you gain access to short learning modules that you can complete at your own pace before or after work, or on rest days.
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Learn while you earn
The program uses examples based on your real income, helping you understand how to budget, save, and plan using money you already make.
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Apply what you learn immediately
As you complete modules, you’ll be guided to:
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Track your earnings
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Set aside small savings
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Avoid unnecessary expenses
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Plan for future needs
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