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National Financial Literacy Curriculum Resource

This free resource helps teachers to improve their studentsā€™ knowledge, skills and understanding of financial literacy.

It has been developed with the assistance of the NSW Department of Education and Training (NSW DET) and a Steering and Advisory Committee of education representatives from across Australia.

There are 12 modules which have been mapped to the Year 7-10 curriculum in each state and territory. Material is available in Adobe PDF format and you can save the resources on your computer or print each module as required. General notes will help teachers use the resources. Use the menu on the right hand side to download the modules for your state.

Modules and student activities:

  • Cover financial knowledge and understanding, financial competence, financial enterprise and financial responsibility;
  • Link directly to the curriculum of each state and territory; and
  • Are supported by additional handouts and worksheets.


National Financial Literacy Curriculum Resource - module summary.

Module 1

Earning an Income

  • Sources and types of income;
  • Financial issues associated with earning an income and types of employment; and
  • Reasons for taxes.

Module 2

Spending and Saving

  • Payment options for purchases;
  • Budgeting and the consequences of poor budgeting;
  • The use of credit;
  • Investment options and superannuation.

Module 3

Consumer Decisions

  • Key factors influencing consumer decisions;
  • Factors that contribute to changes in behaviour and practices by individuals and organisations;
  • Issues to consider in comparison shopping ;
  • Researching consumer information from a variety of sources.

Module 4

Customer Protection

  • Processes involved in achieving consumer redress;
  • Organisations that provide assistance for consumers;
  • Remedies and their outcomes.

Module 5

Buying a Car

  • Choosing a car;
  • Car insurance decisions;
  • Considerations when buying a car;
  • Borrowing money.

Module 6

Financial Services and Systems

  • Financial skills needed for independent living;
  • How to access the financial services industry;
  • Financial services available to individuals;
  • The purpose of social security and who can access social security;
  • Consequences of good and poor financial decisions (short- and long-term) for individuals, families and the wider community.

Module 7

Managing Finances

  • Sources and types of income for individuals and families;
  • Maximising income from an established source;
  • Managing changing financial circumstances;
  • Risks and benefits of investment options;
  • Factors to be considered when borrowing money;
  • Evaluating financial expectations against financial opportunities.

Module 8

Consumer Awareness and Protection

  • Rights and responsibilities of consumers and producers;
  • Purpose of consumer legislation and how it works;
  • Online shopping
  • Rights and responsibilities of online consumers;
  • Responsibilities of consumers to the wider community.

Module 9

Personal Investment

  • Different types of investment;
  • Financial and lifestyle decisions individuals make when choosing investments;
  • Financial skills involved in investing;
  • Investment scams;
  • Ethical investment.

Module 10

Planning and Running a Business

  • The role of a business plan in establishing a business;
  • Financial considerations in commencing a business;
  • Putting a business plan into action;
  • Avoiding business failure.

Module 11

Impact of Technology

  • e-business operations;
  • Advantages and disadvantages of shopping online;
  • Safety issues related to Internet banking;
  • How e-business has opened up global markets;
  • Using personal finance computer programs to manage finances.

Module 12

Economics of Everyday Finance

  • The effect of economic variables on personal financial decisions;
  • The sectors of the Australian economy and how they respond to change;
  • The effect of economic changes on local, national and international markets.