Smart Money Moves Worksheet

Name:

Date:

💰 Part 1: Money Knowledge Check

1. What is the minimum wage for a 16-year-old in New Zealand?

$15.75 per hour

$12.60 per hour (80% of adult minimum wage)

$10.50 per hour

Same as adult minimum wage

2. How much tax does a 16-year-old have to pay on earnings from a part-time job?

No tax at all

10.5% if earning under $14,000 per year

17.5% on all earnings

Only GST

3. At what age can you voluntarily start contributing to KiwiSaver if you have a job?

16 years old

18 years old

21 years old

Any age

4. Which of these are common money sources for teenagers? (Check all that apply)

Pocket money/allowance

Birthday money and gifts

Part-time job income

Odd jobs for family/neighbours

Selling items online

📊 Part 2: Personal Budget Planner

5. List all your current income sources and estimate weekly amounts:

Income Sources:

Pocket money/allowance: $__________

Part-time job: $__________

Odd jobs: $__________

Gifts/birthday money (monthly average): $__________

Other: _________________ $__________

Total Weekly Income: $__________

6. Plan your weekly expenses:

Weekly Expenses:

Food/snacks: $__________

Transport: $__________

Entertainment: $__________

Clothing: $__________

Phone credit: $__________

Other: _________________ $__________

Total Weekly Expenses: $__________

7. Calculate your savings potential:

Weekly Income - Weekly Expenses = Weekly Savings

$__________ - $__________ = $__________

8. What are you saving for? Set a savings goal:

🏦 Part 3: Banking and Financial Planning

9. Do you currently have a bank account?

Yes, I have my own account

Yes, but it's a joint account with parents

No, but I want one

No, and I don't think I need one

10. If you have a bank account, how do you use it? (Check all that apply)

Save money regularly

Receive wages/income

Pay for online purchases

Use EFTPOS for shopping

Check balance regularly

11. Estimate the total cost of owning a car for one year (include purchase, petrol, insurance, registration, WOF, repairs):

My estimate: $__________

12. What is one smart money move you want to start doing after this lesson?

Smart Money Moves Worksheet

Smart Money Moves Worksheet

💰 Part 1: Money Knowledge Check

📊 Part 2: Personal Budget Planner

🏦 Part 3: Banking and Financial Planning

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