Money Management
Online
Tirohanga whānui
Learn to manage your money
Build lifelong skills to manage, grow, and protect your money. This programme is designed to help you strengthen your financial capability and take control of your personal finances. You’ll learn to budget, set goals, and make confident financial decisions that support your long-term wellbeing.
From saving and investing to understanding home ownership and asset protection, you’ll explore practical strategies to grow your wealth and manage change throughout life’s financial stages. You’ll also gain knowledge of financial advisers and institutions to make informed choices about products and services that suit your goals.
He aha tāu ka whiwhi?
Skills you'll leave with
Completing this programme means you’ll be able to:
Set and review financial goals to manage your income and spending
Budget effectively and adapt plans as circumstances change
Monitor savings and spending using proven strategies and tools.
Assess saving and investment opportunities.
Apply strategies to create and protect assets and wealth.
Understand the roles of financial advisers and service providers.
Mā te mahi ka ako
Learn by doing
You’ll complete personal finance exercises such as:
Creating budgets
Tracking expenses
Developing savings plans
Applying financial strategies to real-life situations like home ownership, retirement planning and asset protection
Ngā ara e wātea ana
Where will this take me?
On completion, you’ll have the skills to:
Keep studying
Continue your studies with Level 4 qualifications such as the Certificate in Business (Small Business) or the Certificate in Project Management.
Use at work
Apply your financial knowledge to roles such as office administrator or accounts officer or use your skills to support your own business or community initiatives.
Community involvement
Use your financial capability to help whānau and community members.
He meka
Quick facts
- Level 3 (Introductory)
- 60 Credits
- 20 Weeks
- NZ Certificate in Personal Financial Capability Level 3
- Online
- No fees
- NZQA Accredited
- In some locations this programme may be provided by a sub-contractor
Paearu whakauru
Entry criteria
You can enrol if you:
Are 16 years or older
Are a NZ citizen or resident (includes Cook Islands, Niue, Tokelau) or Australian citizen/permanent resident
Currently reside in New Zealand
Have a Level 2 or 3 qualification (or equivalent) OR
Demonstrate competence in a numeracy and literacy exercise
Kōnae ako
Learning modules
Ki hea, mō āhea hoki au ako ai?
Where and when can I learn?
No classes are currently open for application.
Prefer learning in a classroom with others? Check out our classroom offerings.
Kaupapa anamata
Upcoming events
Pitopito kōrero o te wā
Latest news
Finding a deeper sense of self through te ao Māori
Moving to Aotearoa from rural Australia as a teenager, Lily Warring found herself wanting to learn more about the culture and language of the place she now called home.
A journey shaped by whānau and a love of tamariki
Members of Tayla-Marie Takawe’s (Ngāti Awa, Ngāti Maniapoto) whānau were among the first tauira to graduate from the Bachelor of Education (Primary Teaching) at Te Wānanga o Aotearoa.
Reconnecting to te ao Māori through raranga
Haylee Roussel (Ngāti Rārua, Rangitāne, Ngāti Maniapoto) was searching for a way to reconnect with te ao Māori when she enrolled in the Certificate in Māori and Indigenous Art, Raranga, at the Waiwhero campus of Te Wānanga o Aotearoa.
Creating the spark for business success
With plenty of experience as an electrician, Josh Verstraten was ready to branch out from employee to business owner, but he knew running a successful business would require a new set of skills.
From financial stress to financial freedom for Auckland whānau
For Augustine Kopa, studying the Certificate in Money Management at Te Wānanga o Aotearoa was about creating a better future for her whānau.
Two generations, one reo Māori journey
When Melody Francis (Ngāti Kahungunu) saw the positive impact that studying te reo Māori had on her mum, she decided to jump on the waka and begin the journey alongside her.
Tikanga study boosts whānau presence on marae
Patrick and Donna Tobin (Ngāti Kahu) are a brother-and-sister duo studying tikanga alongside their wider whānau at Te Paatu Marae in Kaitaia, all working towards the betterment of their whānau, iwi, and marae.
A teacher’s path to understanding tikanga
Originally from South Africa, Franda Zondagh has called Aotearoa home since 2003, but it was through studying He Papa Tikanga with Te Wānanga o Aotearoa that she began to feel a deeper connection to the place she lives and people she serves in her mahi.
Leading by example and learning te reo Māori
Liisa Wharepapa’s (Te Whānau ā Apanui) journey with te reo Māori wasn’t something that happened overnight, it was a goal waiting to be pursued until the moment she felt ready to take that step.
Returning home and reclaiming te reo Māori
After many years away building his professional career, Logan Bertram (Whakatōhea), returned home to Ōpōtiki with a clear goal of reconnecting with his whakapapa and creating a better future for his young whānau.
