Financial Literacy

Financial literacy is an important tool to have as an investor or someone who is looking to build their wealth. To become literate in finances you must first learn the different ways to generate income above and beyond what you are already earning.

Ultimately your financial literacy should lead you to financial freedom but the way you do that varies and depends on what strategies you employ to create your additional wealth. Here at Ochre Business we offer two financial literacy programmes.

Firstly, the Certificate in Money Management is a 20 week programme that looks to transform the way in which you manage your money.

Secondly, the Sorted Seminars are a series of 1 hour focused workshops that have been created by the Commission for Financial Capability.

Please click on a link below to further your Financial literacy.

The Certificate in Money Management – CMM
Sorted Seminars


The Certificate in Money Management – CMM

Delivered by Ochre Business Solutions on behalf of Te Wananga o Aotearoa, the Certificate in Money Management (CMM) is a practical Level 3 money management programme that is designed to give participants the tools to reach their financial potential.

The ability to manage money is an essential life skill for all New Zealanders, regardless of their age or current income level. The CMM will develop this ability, which will assist participants to make better informed decisions and help them reach their financial goals in life.


Programme Content

The CMM consists of the following five core Kōnae Ako (modules):

Kōnae Ako (Module) Overview
Money and Me In this Kōnae Ako, participants analyze their attitude towards money and how this affects their financial habits. They identify changes they would like to make that they believe will help them to reach their life goals and aspirations. They will also identify factors which may impinge on their ability to reach those goals, and formulate strategies for managing change.
My Financial Plans In this Kōnae Ako, participants put plans in place to help reach their financial goals. They gain experience in budgeting, analyzing spending against a budget, and making revisions where required. Participants also look at methods for prioritizing spending and planning for large expenditure.
Home Ownership and Debt Management This Kōnae Ako focuses on the uses and implications of personal debt. Participants look at forms of personal debt and strategies to reduce debt levels. The second half of the kōnae ako looks at home ownership. This includes considerations involved in the decision to purchase a home and the process involved in making a purchase, as well as financing the purchase.
Savings and Investments This Kōnae Ako introduces participants to the range of investment options available to them to save for retirement or achieve financial freedom. An important component of the module involves understanding the concept of diversification as well as the need to develop an investment portfolio that aligns with the risk profile of the individual.
Wealth Protection In this final Kōnae Ako, participants will learn about how to protect their asset base. They will consider the risks that they face and identify ways to manage them.  Key topics covered include insurances, trusts, and estate planning. Emphasis is also placed on the role of professional advisers in supporting wealth protection.

Entry Criteria

  • A minimum of 16 years of age or over (unless exemption has been granted) at the commencement of the programme;
  • A New Zealand citizen (or citizen of Australia, Tokelau, Niue, Cook Islands) or permanent resident; and
  • Meet the eligibility, suitability for admission, and external support criteria

Pre-Enrolment Guidelines

A potential participant must:

  • Meet the entry criteria;
  • Attend an information session;
  • Be graduates of a Level 2 qualification or equivalent; or
  • Attain competence in a numeracy and literacy exercise that reflects comprehension, writing, and numerical abilities for the programme (if they have not already completed a Level 3 programme that has literacy and numeracy components); and
  • Be fully committed to completing the programme.

This programme is not available to international students.

Tuition and Resource Costs

There are NO tuition fees for CMM. Participants will receive their own comprehensive set of CMM resources including detailed lesson plans, modules, and workbooks. This programme is available at no cost to participants.

CMM Delivery

The CMM Contact Programme is a 20 week programme. Each module is delivered in class over a four week period. The delivery format involves:

  • One night for three hours per week (6.30pm to 9.30pm)
  • Plus: contact workshops usually held on a Saturday (10am to 1pm)
  • Plus: one full day wananga usually held on a Saturday or Sunday (10am to 4pm)

The CMM programme commences the week beginning 26 February in Newmarket, Mangere & Henderson


At your Information Seminar you will be provided with an Enrolment form.  In order to complete your enrolment form, you must also provide the following documentation:

  • Proof of permanent residency or NZ Citizenship such as a certified copy of your birth certificate or passport.  This is not detailed on the application form; however, it must be done in order for your enrolment to be processed.
  • As places are limited for the Programme, participants will be required to register for an information seminar by contacting Ochre Business Solutions.  Information sessions will start in end of January 2018.

Click here to register your interest with us.


Sorted Seminars

Think, Shrink and Grow…This is the catch phrase that the sorted seminars use. It talks about thinking about your current financial position, then shrinking your debt so you can grow your wealth. An excellent series of seminars covering:

• Set your goals
• Budgeting
• Managing debt
• Saving
• Investing
• Insurance
• Retirement planning
• Kiwi saver
• Your money in retirement

Each seminar has a booklet to help you remember the lessons and each seminar topic should take about 1 hour. We are a preferred facilitator of these seminars if you would like a seminar please register your interest and one of our staff will contact you soon.

Click here to register your interest with us.

For more information go to:

  • Step 1

    Review course information

  • Step 2

    Select desired course

  • Step 3

    Register with Ochre Business and begin your journey

  • Business Entrepreneurship

    Click ‘Read More‘ to build your business entrepreneurship skills.

  • Financial Literacy

    Click ‘Read More‘ to develop money management and wealth creation knowledge.

  • Home Ownership Education

    Click ‘Read More‘ to get the necessary education to help you to purchase your own home.

  • Governance Training

    Click ‘Read More‘ to enhance your organisation’s strategic direction and governance capabilities.

Register your future with Ochre Business today

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