Level 3 Financial Capability (L3FIN)


This course is a unit standard based course designed to give students the skills needed to function effectively in todays society. It aims to contribute to the students ability to manage their own lives by making educated and informed life decisions. It serves as a preventive measure of indebtedness, fraud and exploitation. We all have a responsibility to educate ourselves about these important life skills.

What will I learn?

    • What is needed to become a financially capable citizen

    • An understanding of personal financial planning and management

    • The options available to increase personal income

    • The ability to set and achieve long-term financial goals

    • The impact of external factors on personal finances

    • How to make informed decisions when making large purchases

What should I have done already?

There are no prerequisites for this course.

Assessment outline

Below is a suggested course outline. However built into this course is the option for students to explore particular areas of interest and strength. Options will be explored in conjunction with the student and teacher at the start of each year.


Assessment regulations

The internal achievement standards will be assessed after the appropriate topics have been taught. There will be no reassessment opportunity for these standards. You will only be given the opportunity to improve on your efforts if you get small things wrong that you can be fixed with no further teaching or learning occurring (resubmission) that will bring your grade from a Not Achieved to Achieved. Because there is no reassessment, if you do not submit the assessment on the due date you have failed the standards.

It is vital that you read and understand the rules relating to NCEA in the section on NZQA Information.

Where does this course lead?

Out into the world as an informed citizen.

Indicative costs

For all indicative course costs please see the course costs page.