Money Management

NZ Certificate in Personal Financial Capability & Financial Services

  • Level 3
  • 20 weeks
  • No fees

Programme overview:

Ever feel like money controls your life? Do you wish you understood a bit more about wealth and debt, interest rates, insurances and investment? Can't quite come to grips with the basics?

Managing money is a life skill that most of us are never taught. Take control of your financial future for you and your whānau by learning about money, debt and how to create wealth. You'll learn through lots of practical examples and activities, giving you a clear understanding of each topic.

When you pass this programme, you'll get this qualification:

  • NZ Certificate in Personal Financial Capability & Financial Services Level 3

You'll learn about:

  • your money habits and goals
  • your current financial position
  • budgeting and managing your money through different life stages
  • debt management and credit ratings
  • savings and investments
  • home ownership, mortgages and property investment
  • risk and insurance
  • Kiwisaver and planning for retirement
  • how to create and protect wealth
  • trusts, wills and estate planning.

Where will this take me?

I want to keep studying

You'll be in a great place to enrol in a next level business or management programme.

I want to use my qualification

With skills at this level you can manage your own personal finances. It will also help in all kinds of office jobs or if you want to run your own business.


How you'll study:

This is a full-time programme that consists of 60 credits delivered over 20 weeks.  Throughout the programme you will be required to attend:

  • 1 x 3-hour class per week
  • workshops (approximately 2 hours per week)

In addition to these attendance hours, you'll be expected to complete learning activities designed to enhance your learning for approximately 25 hours per week.

Some learning activities will need to be completed online. You'll need to have access to an internet connected device to participate in this programme.

In some locations this programme may be provided by way of an approved sub-contract arrangement.


Entry criteria:

To enrol in this programme, a potential student must be:

  • at least 16 years of age
  • a New Zealand citizen (or citizen of Australia, Tokelau, Niue, Cook Islands) or permanent resident
  • a graduate of a Level 2 or Level 3 qualification (or equivalent) or demonstrate numeracy and literacy competence
  • fully committed to completing the programme and attend either (or both) an information session or enrolment interview.

Download factsheet

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