Cash Course 4: Delayed Payment

Equip your students with the critical financial toolkits they need to navigate life today and confidently step into their future. Cash Courses transform complex money concepts into practical, bite-sized lessons. By mastering these essential life skills early, your students will build the smart habits required to make informed, real-world financial decisions. The workbooks can be printed but are interactive pdf’s so can be completed on a computer if preferred. Activities are designed to be self-directing, with individual tasks and some group or class discussions if you choose to lead the topic this way. Students completing this Cash Course will learn about what delayed payment is, and 3 different ways of delaying payment, how they work, and the advantages and disadvantages.

Year 8-12
2-4 hrs

Mathematics and Statistics (Financial Mathematics and Number)

Social Sciences (Draft – Economic Activity, Financial Education)

$20
Led by teachers
Purchase this resource

Student learning

Through this unit, students will learn:

  • What delayed payment is
  • Learn about three ways of delaying a payment

1. Buy Now Pay Later

2. Credit Cards

3. Interest-Free Credit

  • Give advice on the best purchase options for given scenarios

Curriculum links

Financial education is compulsory in the New Zealand curriculum for year 1-10, with full implementation required in 2027.

The Cash Course series is aligned with the Knowledge and Practices of the curriculum for:

  • Mathematics and Statistics: Number and Financial Mathematics strand
  • Social Sciences (Draft): Economic Activity - Financial Education strand

Concepts relating to delayed payment are introduced from year 8 in the draft Social Sciences curriculum.

The resources are also designed to support the Curriculum Capabilities.

‍This resource includes:

  • Delayed Payment student workbook
  • Teaching Guide and workbook sample answers

Check you have the latest version here:

[Document ID] Resource Name
[CA4-001-2] Cash Course 4 - Delayed Payment Workbook.pdf
[CA4-002-2] Cash Course 4 - Delayed Payment Teaching Guide with sample answers.pdf