Programme Objective
The “Treasure Wealth, Treasure Love” Family Financial Education Programme, funded by DBS Foundation and co-organised with the Hong Kong Council of Social Service (HKCSS), aims to empower underprivileged families in Hong Kong through comprehensive, family-oriented financial education. The programme is designed to improve financial literacy, strengthen communication around financial matters within families, and change the common misconception that “talking about money can harm relationships.”
Launched in November 2024 and running for three years, the programme is built on strong partnerships with social service organisations and DBS volunteers. It will initially serve communities in Kowloon City, Kwai Tsing, Kwun Tong, Sha Tin, Wong Tai Sin, Tuen Mun, Yuen Long, and Sham Shui Po, reaching approximately 6,500 individuals from underprivileged families.
Programme Approach
In Phase One (January to December 2025), HKCSS is partnering with five Community Partners to deliver three key services:
- Financial Literacy Workshop Series
Tailored sessions that provide participants with practical financial knowledge and everyday financial management skills. - Family-Centric Thematic Groupwork
Engaging group activities designed to boost financial confidence and improve family communication in managing household finances. - Family-Centric Financial Coaching
Tailored consultations to help families address specific financial challenges and plan for the future.
Public Education Campaign
To further promote financial wellbeing and encourage open family dialogue about money, a District-based Financial Literacy Public Education Campaign will be rolled out across Hong Kong. These vibrant community events will feature:
- Gamified learning experiences;
- Interactive educational booths; and
- Fun, family-friendly activities.
All designed to build essential financial knowledge and strengthen communication skills in an enjoyable and accessible way.
Central to the campaign is the message that guides the entire programme: “Talking about money can strengthen family relationships.”
Partners
Funded by: DBS Foundation
DBS Foundation is committed to uplifting lives and livelihoods of those in need.
Since 2014, it has been championing innovative businesses for impact – businesses that are focused on addressing key societal issues, and achieve profit through purpose. Through philanthropic funding, capacity building, mentorship and other support measures, DBS Foundation catalyses the growth and impact of these purpose-driven businesses.
It also seeks to ignite positive change by helping the underserved and underprivileged to build towards better circumstances. This includes providing essential needs to those without, and fostering inclusion by equipping them with financial and digital literacy skills.
DBS Foundation also works with other like-minded partners to ignite enduring change. Its vision is to spark collective action to help build a better world; to make every day better and every tomorrow brighter. For more information, please visit: www.dbs.com/dbsfoundation.
Planning: The Hong Kong Council of Social Service
The HKCSS is a statutory body established in 1947. Together with our Agency Members, we uphold social justice and equality in our mission to advance the well-being of the Hong Kong community. The HKCSS is committed to building an impact-oriented, collaborative and innovative social service sector, and co-creating a better society with stakeholders across different sectors. The HKCSS has over 520 Agency Members, with service units throughout Hong Kong, providing high-quality social services to those in need.
www.hkcss.org.hk 
HKCSS1947 
hkcss_1947
Community Partners:
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Childhood Is Limited
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Childhood Is Limited (CIL) is a social enterprise that values children’s mental well-being. Committed to creating a joyful childhood for children, CIL curates’ social innovation programs and provides counselling services as support. “Get Set Go” Parent Financial Academy supports families in acquiring sound financial literacy and practical skills, enhancing financial communication within families and parent-child financial education, thereby promoting family harmony, well-being, and resilience. |
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Hong Kong Federation of Women’s Centres
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Hong Kong Federation of Women’s Centres (HKFWC) concerns about the situation of grassroots women, and promote gender equality in Hong Kong through services, education and advocacy. “Financial Harmony for Newly Arrived Women” supports grassroots newly arrived women and their families with financial education. Many lack budgeting skills and saving habits, and are unfamiliar with Hong Kong’s cost of living. As men are often the sole earners and women take on caregiving roles, traditional gender norms limit women’s involvement in financial decisions. This program provides talks, group sessions, and individual consultations to improve financial knowledge and encourage better family communication on money matters. |
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The Chinese Rhenish Church, Hong Kong Synod
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The Chinese Rhenish Church was Christian Evangelical Lutheran Church, established in 1847, is dedicated to evangelism, education, and welfare services works. The Hong Kong District HK Synod has been providing welfare services since 1964, initially setting up a clinic and nursery in Kwai Chung, and later expanding services to include services for infants, childcare, children & youth, counseling & training, and elderly care. A The Financial Wellness Project is launched to focus on professional counseling, combining integrating family financial education with relationship building to enhance the well-being of grassroots families. The program provides practical financial knowledge and skills, and through systematic counseling services, alleviates emotional distress and relationship conflicts within families caused by financial issues, strengthening family members’ emotional management capabilities and resilience among family members. |
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The Hong Kong Sheng Kung Hui Welfare Council
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The Hong Kong Sheng Kung Hui Welfare Council aim to enhance social capital and community capacities. By developing community supporting networks and enlisting community participation, the Services aim at instilling a sense of belonging among residents and building up a caring and integrated community. This project aims to help families understand the concept of living within their means, saving methods, spending habits, and the right investment attitudes to cultivate good financial practices and establish positive financial habits. |
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Tung Wah Group of Hospitals
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The Tung Wah Group of Hospitals Healthy Budgeting Family Counselling Centre was officially established in 2003, evolving from the “Healthy Budgeting Family Debt Counselling Programme” launched in 2002. It focuses on providing comprehensive support to individuals troubled by debt and financial difficulties. The centre operates with three core principles: “assisting in crises, preventing problems, and fulfilling dreams.” It is committed to promoting a culture of healthy financial management and helping citizens build a solid financial foundation through cross-sector collaboration. The Wealth Wise Families” Community Financial Education Program is an initiative by our centres that integrates years of experience in financial education and debt counseling. It aims to provide workshops, groups, and counseling to grassroots families in various districts. The goal is to enhance families’ financial management skills and encourage discussions about “money” and love within the household. |
