Money Smarts @ Work

Help your staff to develop sound personal financial management skills that they can apply to their professional and personal lives.

Key facts

Start date: Start this course at any time.

Cost: Up to 20 learners from the same organisation, enrolling individually: $50 + GST per person

20+ learners from the same organisation enrolling individually: $45 + GST per person

Special prices are available for affiliated industry groups. Contact us for pricing.

Duration: 5 days

Delivery mode: Online


The course introduces some principles, tools, and techniques necessary for personal financial management.

Offered by the NZ Fin-Ed Centre (Financial Education and Research Centre) Massey University, this self-paced, online course is ideally suited to the time demands of people in the workforce. Trials with employees have ensured that it is relevant and engaging.

Who this course is for

Anyone interested in improving their financial capability.

Why take this course

The findings of a recent research report show that young New Zealanders lack educational opportunities to help them develop good personal financial management skills.

The Money Smarts @ Work course gives employers the opportunity to help fill the gap by offering this opportunity to their staff. The course covers aspects of personal financial management from goal setting to budgeting, borrowing and KiwiSaver.

Course content and structure

Modules Topics covered
Setting your goals – what is it all about? Understand the difference between dreams and goals. How to turn your dreams into goals. SMART goals and how to set them. Understand what your goals mean for your finances.
Budget – the mystery solved! What’s in a budget? Understand why you need a budget. Know how to set one up. Prepare and review your own budget. Some tools you can use for budgeting. If needed, where can go for more help?
Save and spend – I can do it! Understand the consequences of spending too much money vs saving money. Emergencies, how much they cost and the ones you are likely to face. How much do you need to save to cover emergencies? Power of saving – what does it mean to you? Actions you can take to reduce spending and increase saving.
Debt – do I have a way out? Consequences of the spending choices you make. When/if you need to borrow money, what options are available to you? The true cost of borrowing. Borrowing traps and how to avoid getting into trouble. Managing your debt – some handy tips. Know how to reduce the cost of borrowing.
Protect – I can do something about my future What is important enough to you to protect it? Why do you need to financially protect what is yours? Insurance – different types for different things you want to protect. Consequences of not taking care of what you need to protect.
My future – how do I safeguard it? KiwiSaver – part of my future plan. Why should I be in it? What fund should I be in? What can I use it for?

Meet your facilitators

Dr Pushpa Wood (ONZM)

Dr Pushpa Wood (ONZM)

PhD, MA, BA(Hons)
Director - Financial Education and Research Centre
School of Economics and Finance
Massey Business School

Contact information

Financial Education and Research