Money Management
Classroom
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
- In class
- 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
Te wā
Time commitment
This programme is:
Full-time
60 credits
20 weeks long (including holidays)
Classroom-based, with wānanga
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 an online classroom with others? Check out our online offerings.
Kaupapa anamata
Upcoming events
He Puāwaitanga Kaitāia 2026
Graduation Ceremony, Kaitāia
He Puāwaitanga Whangārei 2026
Graduation Ceremony, Whangārei
He Puāwaitanga Tainui 2026
Graduation Ceremony, Tainui
He Puāwaitanga Tauranga 2026
Graduation Ceremony, Tauranga
He Puāwaitanga Whakatāne 2026
Graduation Ceremony, Whakatāne
He Puāwaitanga Kawerau 2026
Graduation Ceremony, Kawerau
He Puāwaitanga Whirikoka 2026
Graduation Ceremony, Gisborne
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