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Integrating financial capability into the school curriculum
Robyn Scott (Commission for Financial Capability) and Pushpa Wood (Financial Education and Research Centre, Massey University) share their views on how and why financial capability should be taught at all levels across the curriculum.

Financial capability and the NZ Curriculum
Robyn Scott (Commission for Financial Capability), Pushpa Wood (Financial Education and Research Centre), and Terry Shubkin (Young Enterprise Trust) explain that financial education is an important part of The New Zealand Curriculum because it affects every single New Zealander.

What is financial capability?
Terry Shubkin (Young Enterprise Trust) and Pushpa Wood (Financial Education and Research Centre) explain how financial capability is made up of skills and behaviours enabling people to make responsible financial decisions. 

School stories

Aorere College
Developing financial capability within an enterprise context provides students with an authentic learning context to develop and apply understandings about budgeting, spending choices, and managing risk.

Aorere College videos:

Avonside Girls’ High School
Teaching all year 11 and 12 students financial literacy is part of the mission of Avonside Girls’ High School – equip all students with the understanding and skills to successfully manage their money by making wise choices about spending, saving, and investing as they progress through their lives.

Awatapu College
A percentage of students were finding it difficult to attain NCEA level 2 achievement standards. It was identified that they needed to develop practical, knowledge-based skills in an achievable learning framework.

The following stories were developed from a 2008 trial of a 'Personal Financial Education Framework', which was developed by the Commission for Financial Capability (previously known as the Retirement Commission) for schools.

Each school carried out an action research project, developing and trialling approaches for building financial capability into their school’s teaching and learning programmes.


image of student.

Mangere Central School
“What will a financially literate student look like when they leave year 8?” Using links with local community, workshops were undertaken to answer this question for the school.

Arowhenua School
A hui for whānau to build financial capability began a cross curricular unit where students had to plan, organise, and save for a ‘Big Day Out’.

Brooklyn School
A classroom economic system was the context for a cross-curricular approach at Brooklyn School.

Ranzau Primary School
Using the school’s inquiry model the junior school raised money for a class trip. The senior school set a financial goal and worked towards it for the term.


Tawa Intermediate
A cross curricular inquiry, with students in groups living as a ‘family’ and managing their money successfully.


Image of student working.

Otahuhu College
A literacy focused approach was used with year 10 business studies students at Otahuhu College.

Onehunga High School
Year 10 students completed a four week social inquiry with a focus on financial values.

Published on: 20 Nov 2013