Balancing your Budget: US 28094

This resource helps teachers deliver the Financial Capability Unit Standard 28094 ‘Produce a balanced household budget and adjust the budget to reflect changing financial circumstances’ (Level 2, 3 Credits). Students will learn about how to produce a balanced budget and adjust the budget to reflect changing financial circumstances. You will learn about the different components of a budget and a range of different budget formats.

This resource is currently being updated ready for the start of term - broken links fixed and updated content. You can download now but please check you have the latest version before using it in the classroom.


Curriculum links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas.

Balancing your Budget: US 28094

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 2 Financial Capability Unit Standard
  • Free to NZ schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Describe benefits of having a budget 
  • Understand financial priorities for different people 
  • Set SMART financial goals 
  • Complete a draft budget 
  • Monitor and adjust a budget 
  • Complete a practice assessment 


For access to the detailed Teaching Guide and Student Assessment for this Unit Standard, please contact us via email at:

Download includes:

  • Activity: 28094 Interactive Student Workbook