Lessons for Years 9 and 10
NZQA Revised Unit Standards: Personal Financial Management
Level 1
NZQA Unit
Ref
Bamzonia Lessons
24697
Perform income-related calculations for
personal financial management
1 Credit
13. What is Income?
22. Bring Your Own Device
24705
Interpret financial documents and verify
accuracy of financial documents for
personal financial management
Produce a balanced budget to
manage personal finances
2 Credits
17. Doing the Paperwork
3 Credits
12. Going it Alone
17. Doing the Paperwork
Demonstrate understanding of the
effect of life stage factors on personal
income sources
Demonstrate understanding of
manageable and unmanageable
credit and debt
Demonstrate understanding of personal
financial goal setting
Demonstrate knowledge of personal
financial saving and investment options
3 Credits
18. Life Aspirations
25. KiwiSaver
3 Credits
14. Credit
16. The Danger of Debt
3 Credits
22. Bring Your Own Device
4 Credits
23. Risk and Return
24. The Big Picture
Describe risks and basic risk
management strategies for personal
finances
3 Credits
23. Risk and Return
20. Protect Yourself
24709
28087
28088
28089
28090
28091
Level 2
NZQA Unit
24695
24699
28092
28093
28094
28095
28096
28097
Ref
Bamzonia Lessons
Explain taxation and other deductions
relating to personal income
Make an informed decision relating to
personal income and explain its
consequences
Analyse the effect of significant life
events at different life stages on
personal financial income
Describe the future financial
responsibilities of utilising tertiary study
funding options
Produce a balanced budget and
adjust the budget to reflect changing
financial circumstances
Analyse personal financial investment
opportunities
2 Credits
13. What is Income?
2 Credits
18. Life Aspirations
3 Credits
25. KiwiSaver
3 Credits
14. Credit
3 Credits
12. Going it Alone
19. Budgets and Budgeting
3 Credits
23. Risk and Return
24. The Big Picture
Evaluate and select insurance product
types in relation to events for personal
finances
Evaluate and select personal banking
products and services in relation to
personal financial needs
3 Credits
20. Protect Yourself
3 Credits
15. How would you Like to
Pay?
21. What Are You Banking
On?
Level 3
NZQA Unit
28098
Ref
Bamzonia Lessons
Evaluate options to increase personal
income
Analyse and compare credit options
and recommend strategies to manage
personal finances
Develop a plan to achieve a long-term
personal financial goal(s)
3 Credits
23. Risk and Return
3 Credits
14. Credit
4 Credits
18. Life Aspirations
24. The Big Picture
28101
Plan a long-term personal financial
investment portfolio
4 Credits
23. Risk and Return
24. The Big Picture
28102
Demonstrate understanding of risk and
return for a personal financial
investment portfolio
4 Credits
23. Risk and Return
25. KiwiSaver
24. The Big Picture
28103
Analyse and select personal house
financing and purchase options
Analyse the impact(s) of external
factors on personal finances
3 Credits
24. The Big Picture
3 Credits
20. Protect yourself
23. Risk and Return
28099
28100
28104