If you were born without hope, you'd never dream dreams. Never make plans for a bigger house; never look forward to the days your kids will graduate from college or university. Share your story of hope with us in the Sanlam Hopes can Happen Competition.

Each month Sanlam will select four stories of hope which Thabiso Sikwane will announce at the end of each month.

Each of these stories will be awarded R1 000 and will be eligible for the Grand Prize of R50 000 in a Sanlam Liquid account announced on the 2 December.

Congratulations to the following winners who are entered into the final draw to receive R50 000 in a Sanlam Liquid Account:

• Hlengiwe Zulu
• Phindile Ngcobo
• Elvine Du Plooy