Social sciences

Manage money and income:

Money

With support I can list different ways of paying and receiving payments for goods.

I can list one relevant way of paying and receiving payment for goods.

I can list several relevant ways of paying and receiving payment for goods.

I can compare different ways of paying and receiving payment for goods e.g., debit cards and credit cards.

I can compare different ways of paying and receiving payment for goods e.g., debit cards and credit cards.

I can make judgments about what is the best option for me.

Manage money
and income:

Spending

With support I can describe different ways to get value for money when spending.

I can list one way to get value for money when spending.

I can describe several relevant ways to get value for money when spending.

I can describe several relevant ways to get value for money when spending and I apply this to my choices around spending.

I can make a generalisation about a range of ways to get value for money when spending.

With support I can discuss external factors that can affect people’s financial choices.

I can discuss one relevant external factor that can affect people’s financial choices.

I can discuss several relevant external factors that can affect people’s financial choices.

I can discuss several relevant external factors that can affect people’s financial choices and I can explain what influences my choices.

I can evaluate external factors that affect people’s financial choices, prioritise their impact, and justify my explanations.

Manage money and income:

Credit and debt

I need support to understand debt.

I can list one relevant idea about debt.

I can list several relevant ideas about debt.

I can discuss differences between “good” and “bad” debt and can explain to another person what the difference is.

I can discuss differences between “good” and “bad” debt and I can evaluate the potential impacts of both types of debt.t

Manage money and income:

Saving and investing

I can list relevant ideas about saving choices for individuals, whānau, or other groups, with support.

I can list one relevant idea about saving choices for individuals, whānau or other groups.

I can list several relevant ideas about saving choices for individuals, whānau or other groups.

I can compare differences and similarities

in saving choices and outcomes for individuals, whānau or other groups.

I can compare differences and similarities in saving choices and outcomes for individuals, whānau or other  groups. I can make generalisations about the impact of these choices, providing evidence that supports my ideas.

Financial Management

Budgeting as a financial tool

I can identify a financial commitment with support.

I can identify one regular financial commitment individuals, whānau or other groups make.

I can identify several regular financial commitments individuals, whānau or other groups make.

I can identify regular

financial commitments individuals, whānau or other groups make and I can explain the positive and negative impacts of these.

I can identify regular financial commitments individuals, whānau or other groups make and can evaluate the positive and negative impacts of these.

I can make a generalisation about the impact these commitments have on my own ability to save.

I can read a simple bank statement with support.

I can use one piece of information in a bank statement to update a budget.

I can use several pieces of information in a bank statement to update a budget.

I can use money management tools, including bank statements, to monitor a given budget and I can apply changes to a given budget.

I can use money management tools, including bank statements, to monitor a given budget and I can apply changes to a given budget.

I regularly check my financial status and can make adjustments when I need to.

With support, I can start a budget.

I can identify one element of a budget.

I can identify several relevant elements of a budget.

I can plan relevant short term, medium term and long-term aspects within a financial plan and can explain why these are relevant.

I can plan relevant short term, medium term and long-term aspects within a financial plan and can explain why these are relevant.

I can create a budget for a specific activity and time frame that is relevant to me.

I need support to understand how formal and informal groups make financial decisions that impact on communities.

I can state one relevant idea about how formal and informal groups make financial decisions that impact on communities.

I can state several relevant ideas about how formal and informal groups make financial decisions that impact on communities.

I can state several relevant ideas about how formal and informal groups make financial decisions that impact on communities, and explain these impacts.

I can state several relevant ideas about how formal and informal groups make financial decisions that impact on communities and I can explain these impacts.

I can evaluate one of those decisions and I can support with evidence.

Manage money and income:

Money

I need support to list different ways of paying and receiving payments for goods and services.

I can list one relevant way of paying and receiving payment for goods and services.

I can list several relevant ways of paying and receiving payment for goods and services.

I can compare different ways of paying and receiving payment for goods and services e.g., debit cards and direct debits.

I can compare different ways of paying and receiving payment for goods and services e.g. debit cards and direct debits.

I can decide which payment methods are the best option for me.

Manage money
and income:

Spending

I need support to describe different ways to get value for money when spending.

I can list one way to get value for money when spending.

I can describe several relevant ways to get value for money when spending.

I can compare several different ways to get value for money when spending and can apply these to my own spending choices.

I can describe several relevant ways to get value for money when spending and can apply these choices to my own spending.

I can reflect on my spending and demonstrate a change in behaviour.

I need support to understand what an external factor is.

I can discuss one relevant external factor that can affect people’s financial choices.

I can discuss several relevant external factors that can affect people’s financial choices.

I can discuss several relevant external factors that can affect people’s financial choices and I can explain what influences my own choices.

I can discuss several relevant external factors that can affect people’s financial choices, explain what influences my own choices, and respond to external factors as they occur.

Manage money and income:

Credit and debt

I need support to understand interest.

I can state one relevant idea about interest

I can state several relevant ideas about interest and I can identify how simple interest works.

I can compare banks and other financial institutions based on the interest rates they offer..

I can compare banks and other financial institutions according to interest rates they offer and I can make a judgment call on the best rates at a given time.

Manage money and income:

Saving and Investing

I need support to calculate simple interest.

I can work out the cost of simple interest over a given time.

I can work out the cost of simple interest over a 12 month period.

I can explain and calculate the cost of compound interest.

I can explain and calculate compound interest related to spending on an everyday item.

Budgeting and financial management:

Budgeting as a financial tool

I need support to identify needs and wants.

I can identify one need or want within a budget.

I can identify several needs and wants of individuals, whānau, or other groups that should be included in a budget.

I can analyse what elements are required in a budget. I can plan the outcome and apply the wants and needs to the budget framework.

I can create a budget for an individual, whānau or other group budget which prioritises needs and wants and I can support others in budgeting and making financial plans.

I cannot identify a financial management tool without support.

I can identify a financial management tool.

I can use budget templates to help monitor budgets.

I can use online management tools and I can explain the importance of using them to monitor and track the progress of the budget.

I can adjust my budget in response to changed circumstances using online financial management tools.

Students will gain knowledge, skills, and experience to understand how economic decisions impact on people, communities, and nations.

I am unable to understand how economic decisions impact on people, communities, and nations.

I can state one relevant idea about how economic decisions impact on people, communities,

and nations.

I can state several relevant ideas about how economic decisions impact on people, communities,

and nations.

I can state several relevant ideas about how economic decisions impact on people, communities, and nations. I can explain the impact of these decisions and ways that people and communities respond to them.

I can state several relevant ideas about how economic decisions impact on people, communities, and nations. I can explain the impact of these decisions and ways that people and communities respond to them.

I can evaluate the outcomes

of these decisions and can find evidence to validate and justify these outcomes.