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How can you integrate financial capability into your school curriculum?

  • Tools


Financial capability is highlighted in The New Zealand Curriculum as an example of the type of theme that schools could use for effective cross-curricular teaching and learning programmes.

Use these discussion tools to support developing a financial literacy programme for your school curriculum that meets the learning needs of your students/ākonga.

Discussion tools

Integrating financial capability across all year levels

Integrating financial capability into the school curriculum
“Money has become integral part of our life, whether we like it or not,” says Pushpa Wood (Director Financial Education and Research Centre, Massey University). She explains, “Learning about money needs to be continually revisited because what I as a five-year-old understand money does for me, is very different from my understanding as a 15-year-old and again from my understanding as an 18-year-old.”

  • What are the benefits of revisiting financial capability learning at different year levels?
  • How could you plan for this?

Financial capability in your school vision

The cross curricular theme of financial capability supports the New Zealand Curriculum’s vision by providing a learning context for students to become:

  • informed decision makers
  • financially-literate and numerate
  • enterprising and entrepreneurial
  • contributors to the well-being of New Zealand.

Avonside Girls’ High School
Read this snapshot illustrating how financial literacy is put into practice from the school’s mission statement. Teaching all year 11 and 12 students financial literacy is part of the mission of Avonside Girls’ High School – “To educate and empower young women to succeed now and into the future.”

Discuss these questions:

What characteristics and attributes do you want for your learners when they leave school, and how does financial capability feature in this?

What are the skills, knowledge, and attributes your school community values for students/ākonga when they finish school?

How is your vision for the development of financially-capable students integrated with your school’s whole vision?

In what ways, and to what extent, does your vision include an inclusive learning environment, authentic learning contexts, and the development of key competencies and values in relation to financial capability?

School-wide planning to integrate financial capability

Students should experience a school curriculum that engages and challenges them with a future-focused and inclusive approach.

Explore the following

Select two or three of these school stories and identify the different approaches they used to introduce and teach financial capability in their schools.


What approach(es) would work best in your school community?

How have you (or could you) consult with your Board of Trustees, family/whānau, iwi, and the wider community so that everyone owns the strategic direction?

How does your strategic plan integrate financial capability to describe where you want your learners to be and the actions to achieve that goal?

What are some of the processes and strategies you can identify that are needed to introduce financial capability into your school curriculum? How will you address these?

Are financial capability concepts incorporated into your school’s curriculum coverage planning cycle?

  • How could you plan for this within your two-year cycle?
  • Where are the opportunities for integration?
  • How could you include a focus on financial capability in future-focused issues such as citizenship or enterprise?
  • What school-wide events, (for example, the school fair or camp), are scheduled that could provide authentic learning opportunities?

Published on: 01 Dec 2013