Tertiary resources

We work with the Tertiary Education Commission, NZQA, the Industry Training Federation, business and union representatives and tertiary education providers to include financial education as a core part of many tertiary qualifications.

Financial literacy competency framework

We have developed a financial literacy competency framework to guide providers as they design and deliver programmes so they cover all the core elements of financial literacy. The framework can also help in evaluating existing programmes. For each of the capabilities listed below, the framework describes foundation knowledge, advanced knowledge and expected action or behavioural outcomes.

The framework covers the following capabilities:

  • Setting goals and budgeting
  • Managing income
  • Spending
  • Managing debt
  • Saving and investing
  • Creating and protecting assets and wealth

Financial Literacy Competency Framework (PDF 40 KB, Sep 2013)

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Free teaching resources for unit standards

We offer free teaching resources for seven of the NZQA unit standards on personal financial management topics. These resources were developed with the support of business and union representatives, tertiary education providers and qualification experts. Please note that some unit standards may expire at end of 2015. 

The full list of personal financial management unit standards is available on the NZQA website.

The unit standards are a great resource for developing general numeracy and literacy skills as well as for financial education, and are suitable for use in foundation skills programmes, adult and community education and workplace learning.

The unit standards can be used for NCEA, tertiary and trade qualifications. To find out more, contact your Industry Training Organisation or local education provider.

Download the unit standards teaching resources

Each of the seven resource packs includes a workbook, study guide and facilitators manual. They can be used separately or linked together into a progressive course. One of the unit standards is level 1, five are level 2, and one is level 3.

Please contact us with your feedback on how useful you found these resources.



Making wise money decisions

  • Facilitator's guide (PDF 227.34 KB, Sep 2013)
  • Study guide (PDF 4.52 MB, Sep 2013)
  • Workbook (PDF 273.27 KB, Sep 2013)
L2 2

Making a family or household budget

  • Facilitator's guide (PDF 213.98 KB, Sep 2013)
  • Study guide (PDF 1.93 MB, Sep 2013)
  • Workbook (PDF 282.6 KB, Sep 2013)
L2 3

Financial goals and plans

  • Facilitator's guide (PDF 196.34 KB, Sep 2013)
  • Study guide (PDF 2.26 MB, Sep 2013)
  • Workbook (PDF 270.71 KB, Sep 2013)
L2 3

Making sense of financial documents

  • Facilitator's guide (PDF 4.3 MB, Sep 2013)
  • Study guide (PDF 5.89 MB, Sep 2013)
  • Workbook (PDF 4.27 MB, Sep 2013)
L1 2

Knowing how banks can help you

  • Facilitator's guide (PDF 195.89 KB, Sep 2013)
  • Study guide (PDF 1.58 MB, Sep 2013)
  • Workbook (PDF 275.78 KB, Sep 2013)
L2 2

Understanding income and tax

  • Facilitator's guide (PDF 234.5 KB, Sep 2013)
  • Study guide (PDF 3.31 MB, Sep 2013)
  • Workbook (PDF 266.29 KB, Sep 2013)
L2 3

Understanding income, credit and tax

  • Facilitator's guide (PDF 240.29 KB, Sep 2013)
  • Study guide (PDF 4.92 MB, Sep 2013)
  • Workbook (PDF 262.24 KB, Sep 2013)



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