At first when I heard about Merlin, all I knew was that it can help to allow you to have a better visualisation of my current finances. Prior to trying Merlin, I was thinking: “hmm.. I just came out to work not too long ago, since I do not have much money under my name, I don't think there is anything much to visualise.” But after walking through the software,  I realised that I should not worry about my current situation but instead start to plan ahead.
With MERLIN,  I was awakened that I should plan for my future.
I knew that I needed to establish an emergency fund, buy insurance and start investing for myself. But I did not put a number or a timeline on it.
With my associate's walkthrough on MERLIN, I realised that I needed to set a timeline and set an amount for my goals so that I can be able to achieve them one day.
With this, I am clearer of my goals and I can start to take action to achieve my goals!
- Thecla, process engineer