Making It Count: US 28100

This resource helps teachers deliver the Financial Capability Unit Standard 28100 ‘Develop a plan to achieve a long-term personal financial goal(s)’ (Level 3, 4 Credits). Students will learn about gathering information and thinking about the actions necessary to achieve long-term financial goals. You will study the factors that may affect the achievement of these goals in terms of an individual and their lifestyle. The requirements of a budget and the different types of budgets are presented and activities allow you to practice completing a budget and how to monitor and review them.

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. 


Click here for an Interactive Financial Capability US Matrix

Making It Count: US 28100

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 3 Financial Capability Unit Standard
  • Free to NZ Schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • How to set financial goals 
  • Develop short, medium and long-term SMART goals 
  • Define what a budget is and its value 
  • Learn budgeting terms 
  • Complete various weekly and monthly expenditure conversions 
  • Learn about cash-flow 
  • Complete a budget 
  • Research insurance policies 
  • Develop a long-term plan 
  • 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:

  • Using Financial Capability Unit Standards
  • Activity: 28100 Interactive Student Workbook
  • Helpful information