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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Plan and manage personal finances 
SAQA US ID UNIT STANDARD TITLE
15092  Plan and manage personal finances 
ORIGINATOR
SGB Life Skills 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 07 - Human and Social Studies People/Human-Centred Development 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
ABET Level 4  Regular-Fundamental  Level 1  NQF Level 01 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit standard is for any learner who needs to understand the world of money in order to manage personal finances. It will help learners to actively plan and manage their own financial well-being by taking into account risks and safety measures. This unit standard will also help to develop a learner`s understanding of his/her own income and expenditure patterns. The learner will be able to plan short and long term financial commitments and how to budget for them.

A learner credited with this unit standard is able to:
  • Explain the importance of managing personal finances
  • Set personal financial goals
  • Identify ways to achieve personal financial goals
  • Develop a personal and/or family budget

    This unit standard will contribute to the full development of the learner by developing planning skills for own financial well- being as well as providing recognition, further mobility and portability of skills within society.

    This unit standard may be used a core or elective within a GETC or any vocationally based qualification. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    Description of required skills:
  • Fundamental communication skills at ABET level 3.
  • Fundamental numeracy skills at ABET level 3. 

  • UNIT STANDARD RANGE 
    N/A 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Explain the importance of managing personal finances. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Socio-economic circumstances in South Africa are explained in order to understand the impact on one's financial situation. 

    ASSESSMENT CRITERION 2 
    2. The consequences of not having a good credit rating are explained in relation to financing credit related purchases. 

    ASSESSMENT CRITERION 3 
    3. The risks, pitfalls, limitations and unforeseen events that affect a budget are identified to understand the consequences of poor financial planning. 

    SPECIFIC OUTCOME 2 
    Set personal financial goals. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The difference between "wants" and "needs" is explained by providing examples from personal experience. 
    ASSESSMENT CRITERION RANGE 
    Needs may include things required for survival. Wants refer to extras that are nice to have.
     

    ASSESSMENT CRITERION 2 
    2. Personal wants and needs are identified and listed to set personal financial goals. 

    ASSESSMENT CRITERION 3 
    3. Personal goals are planned and recorded in order to meet own or family needs or wants. 
    ASSESSMENT CRITERION RANGE 
    Goals may include short, medium and long-term goals.
     

    SPECIFIC OUTCOME 3 
    Identify ways to achieve personal financial goals. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Basic financial terminology is explained with examples. 
    ASSESSMENT CRITERION RANGE 
    These terms may include but are not limited to: hire purchase agreements, savings account, cheque account, transmission account, mortgage loan, credit, debit, interest.
     

    ASSESSMENT CRITERION 2 
    2. Formal financial institutions and their services are described in order to make an informed choice of which service to use. 
    ASSESSMENT CRITERION RANGE 
    Formal financial institutions may refer to banks, micro-financial institutions, and building societies.
     

    ASSESSMENT CRITERION 3 
    3. Informal financial institutions and their services are described and explained in terms of advantages and disadvantages so that an informed choice can be made. 
    ASSESSMENT CRITERION RANGE 
    Informal financial institutions may refer to friends, family, "stokvel", "loan sharks", burial societies, pyramid schemes and other informal lending schemes.
     

    ASSESSMENT CRITERION 4 
    4. Ways to save money using various financial options are listed in terms of personal priorities and long-term financial stability. 

    ASSESSMENT CRITERION 5 
    5. Ways to generate extra money to supplement personal income are identified to achieve goals. 
    ASSESSMENT CRITERION RANGE 
    These ways may include working overtime, taking on extra jobs, starting a small, home-based business, investments, lending money.
     

    SPECIFIC OUTCOME 4 
    Develop a personal and/or family budget. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Items on a personal and/or family budget are listed including income and expenses for a period of three months. 
    ASSESSMENT CRITERION RANGE 
    Income may include salaries, income from extra jobs or home-based businesses, investment profits, dividends from stock.
    Expenses may include essential and non-essential expenses based on needs and wants.
     

    ASSESSMENT CRITERION 2 
    2. Items on a personal and/or family budget are prioritised to determine potential expenditure. 

    ASSESSMENT CRITERION 3 
    3. The budget is written down to meet financial needs and responsibilities and to provide surplus cash for emergency expenses. 

    ASSESSMENT CRITERION 4 
    4. Ways to continuously check personal and/or family expenses and income are explored and described to keep budget on track. 

    ASSESSMENT CRITERION 5 
    5. A plan to adjust income and expenses is chosen to keep budget on track. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    Assessment of this Unit Standard should be contextual and practical as far as possible.
  • Assessors must be registered assessors with the appropriate ETQA.
  • Assessors, accredited by the appropriate ETQA, will assess a learner`s competency.
  • Moderators must be registered as assessors with the appropriate ETQA, or with an ETQA that has a Memorandum of Understanding with the appropriate ETQA.
  • Moderation should include both internal and external moderation where applicable.
  • Training providers must be accredited by the appropriate ETQA.
  • Accreditation and moderation mechanisms and requirements must meet the requirements of SAQA ensuring that the processes that are followed are transparent, affordable and support the development of the NQF. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    N/A 

    UNIT STANDARD DEVELOPMENTAL OUTCOME 
    The following developmental outcomes are addressed in this unit standard:

    1. The learner is able to explore opportunities and learn more effectively by understanding the impact of income and expenditure on personal or family budgets.
    2. The learner is able to participate as a responsible citizen in the life of local communities when evaluating budgets of individuals in the local community or at a place of work. 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is able to identify and solve problems by developing a plan to monitor personal and/or family expenditure. 

    UNIT STANDARD CCFO WORKING 
    The learner is able to work effectively with others as a member of a team, group, organisation or community by planning and evaluating a personal and/or family budget. 

    UNIT STANDARD CCFO ORGANISING 
    The learner is able to organise and manage him/herself and his/her activities responsibly and effectively by planning and evaluating a personal or family budget. 

    UNIT STANDARD CCFO COLLECTING 
    The learner is able to collect, analyse, organise and critically evaluate information by investigating various options to borrow or lend money from formal or informal financial institutions. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is able to communicate effectively by using mathematical and/or language skills in the modes of oral and/or written presentations by communicating realistic goals to plan for essential expenses and personal or family needs and responsibilities. 

    UNIT STANDARD CCFO DEMONSTRATING 
    The learner is able to demonstrate an understanding of the world as a set of related systems by recognising the risks and pitfalls as well as advantages of using formal and informal financial institutions and their services. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Core  71751   General Education and Training Certificate: Adult Basic Education and Training  Level 1  NQF Level 01  Passed the End Date -
    Status was "Reregistered" 
    2020-09-16  As per Learning Programmes recorded against this Qual 
    Core  73249   General Education and Training Certificate: Adult Basic Education and Training: Academic Curriculum  Level 1  NQF Level 01  Reregistered  2023-06-30  UMALUSI 
    Core  57829   General Education and Training Certificate: Grain Handling Processes  Level 1  NQF Level 01  Reregistered  2023-06-30  AgriSETA 
    Core  65969   General Education and Training Certificate: Human Settlements Development  Level 1  NQF Level 01  Reregistered  2023-06-30  CETA 
    Core  49583   General Education and Training Certificate: Poultry Processing  Level 1  NQF Level 01  Reregistered  2023-06-30  AgriSETA 
    Core  49580   General Education and Training Certificate: Poultry Production  Level 1  NQF Level 01  Reregistered  2023-06-30  AgriSETA 
    Core  49082   GETC: Wood Products Processing  Level 1  NQF Level 01  Reregistered  2023-06-30  FPMSETA 
    Elective  48642   General Education and Training Certificate Housing: Housing Consumer Education  Level 1  NQF Level 01  Passed the End Date -
    Status was "Reregistered" 
    2009-05-13  Was CETA until Last Date for Achievement 
    Elective  49606   General Education and Training Certificate: Ancillary Health Care  Level 1  NQF Level 01  Reregistered  2023-06-30  HW SETA 
    Elective  50584   General Education and Training Certificate: Clothing Manufacturing Processes  Level 1  NQF Level 01  Reregistered  2023-06-30  FPMSETA 
    Elective  58026   General Education and Training Certificate: Food and Beverage Handling Processes  Level 1  NQF Level 01  Reregistered  2023-06-30  FOODBEV 
    Elective  20183   National Certificate: Banking  Level 2  NQF Level 02  Passed the End Date -
    Status was "Reregistered" 
    2015-06-30  BANKSETA 
    Elective  24198   National Certificate: Construction Material Manufacturing  Level 2  NQF Level 02  Reregistered  2023-06-30  CETA 
    Elective  58268   National Certificate: Lift Installation and Maintenance  Level 2  NQF Level 02  Reregistered  2023-06-30  MERSETA 
    Elective  59389   National Certificate: Nature Conservation: Resource Guardianship  Level 2  NQF Level 02  Reregistered  2023-06-30  CATHSSETA 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. 1 CLASSIE AFRICA 
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    3. African Apex Apparel (Pty) Ltd 
    4. AL Development Services cc 
    5. Amagema Development Consultants cc 
    6. Amasiko Trading Enterprise 
    7. Amos / Kgaphamadi Community Organisation 
    8. Aranda Learnership College (Pty) Ltd 
    9. Aranda Textile Mills Pty Ltd 
    10. Arden School of Management 
    11. Arden School of Management (Pty) Ltd 
    12. Assured Vocational Skills Institute (Pty) Ltd 
    13. Aubrey Nyiko Business Enterprise cc 
    14. Avad Projects (Pty) Ltd 
    15. Ayasaphe Trading cc 
    16. Bafikile Skills & Consulting Services (Pty) Ltd 
    17. Bakgoni Empowerment Centre (Pty) Ltd 
    18. Balemi Consulting Pty Ltd 
    19. Becoz Empire Multi-Choice and Trading Primary Co-operative Limited 
    20. Better beginning trading and projects pty ltd 
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    23. BOLAND COLLEGE 
    24. Boland College Head Office 
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    45. College of Cape Town - Athlone Campus 
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    57. Dr M Investments 
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    67. Eshet Chayil Concepts (Pty) Ltd 
    68. Eskilz College (Pty) Ltd 
    69. Exodus Agri Academy Pty Ltd 
    70. Faithworks Development Consultants (Pty) Ltd 
    71. FALSE BAY TECHNICAL VOCATIONAL EDUCATION & TRAINING COLLEGE 
    72. Fezile Fashion Skills Academy (Pty) Ltd 
    73. Flavious Mareka TVET College 
    74. Forthwawe Business Centre 
    75. Fundakahle Multi-Purpose Co-operative Limited 
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    78. Future Discovery Training Academy CC 
    79. Future Dynamics Learning 
    80. Ga Lechuti Transformational Talks (Pty) Ltd 
    81. Gauteng City College 
    82. Gia Development Trades 
    83. Glicam Trading Enterprise 
    84. GNBR Solutions (Pty) Ltd 
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    88. Grandstar Projects 
    89. Green Earth Training & Development (Pty) Ltd 
    90. Green Enviro & Projects (Pty)Ltd 
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    92. HEARTLINES COLLEGE 
    93. HHO Enterprise 
    94. HLUVUKA TRAINING AND CONSULTING 
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    96. Hoseah Training and Manufacturing NPC 
    97. Hybrid Dynamics 
    98. I Care Resource Centre 
    99. IALE School of Advance Learning and Education (Pty) Ltd 
    100. Ikamvelihle Youth Development (Pty) Ltd 
    101. Imara Umbono Incorporated (Pty) Ltd 
    102. Imbewu Development Institute (Pty) Ltd 
    103. Impela Trading cc 
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    105. Inafrica General Trading Pty LTD 
    106. Inkwenkwezi Private Community College & Skills Development 
    107. Inter-Coastal Business & Property Services cc 
    108. INTERMASIKO CC 
    109. Intuthuko Yesizwe Community Organisation 
    110. Inyathi Visions 
    111. Ithemba Lomphakathi Community Organisation 
    112. Ithuteng Learning Academy & Projects (Pty) Ltd 
    113. Ivulandlela (Pty) Ltd 
    114. Izintombizekhethelo (Pty) Ltd 
    115. Jasintha Pty Ltd 
    116. JED Skills Academy 
    117. Jeppe College of Commerce and Computer Studies 
    118. Jumpstart Training Institute (Pty) Ltd 
    119. kagisho Business Concepts (Pty) Ltd 
    120. Kelmik Training Centre (Pty) Ltd 
    121. Khululekani Training Centre 
    122. Kingdom Varsity College (Pty) Ltd 
    123. KINGSBURY INTERNATIONAL COLLEGE SA PTY LTD 
    124. Knoop Academy NPC 
    125. Kotton Wear (Pty) Ltd 
    126. Kusabelele Investments 
    127. KWEM Management Solutions 
    128. La Gratitude Academy 
    129. Leap Projects 
    130. Learn Ability and Training Development t/a LearnAbility 
    131. Lembede Investment Holdings (Pty) Ltd 
    132. Leronsa Trading Enterprise 
    133. Letaba TVET College 
    134. LFS DESIGNS 
    135. Lisakhanya Skills Development Consultants (Pty) Ltd 
    136. LLSM (Pty) Ltd 
    137. Longata Consultant 
    138. Lucky Neo (Pty) Ltd 
    139. Lwaziphezinhle (Pty) Ltd 
    140. Maab Training Management ( Pty) Ltd 
    141. Maboko Skill Development & Projects 
    142. Majuba TVET College 
    143. Maluti TVET College 
    144. Marematlou Training Institute 
    145. MASITHUTHUKE HOLDINGS PTY LTD 
    146. Master Patterns by Rona 
    147. Matatiele Fashion Design Academy (Pty) Ltd 
    148. Matotomana Training & General Trading 
    149. Maxlen Holdings (Pty) Ltd 
    150. Mberwana Trading Enterprise 
    151. Meals on Wheels Community Services - South Africa 
    152. Media Works 
    153. Mentor Me Corporate Foundation 
    154. Mgadaveni Training Projects (Pty) Ltd 
    155. MGS Gcaba Contracting & Trading cc 
    156. MICROMATICA 384 (PTY) LTD 
    157. Mlasimbi Catering Primary Co-operative Limited 
    158. MMBG Trading & Consulting 
    159. Mnambithi TVET College 
    160. Modiehi Consulting & Projects (Pty) Ltd 
    161. Motheo FET College - Central Office 
    162. Mphahle Consultancy (Pty) Ltd 
    163. Mposa Institute For Dairy Technology 
    164. Mugazi Consultancy cc 
    165. Mukwevho Training and Development 
    166. Mvelo Consultant 
    167. Mwanga Training & Consulting (Pty) Ltd 
    168. NDIMASE TRADING 
    169. Ndwamato Training Solutions (Pty) Ltd 
    170. Nedbank Ltd 
    171. NELLY-SGUEEJE TRADING 
    172. New Business Initiative Management Consultancy 
    173. NEW HEIGHTS 1082 PTY LTD 
    174. Ngaphakathi Investments 
    175. Ngcebo Consulting (Pty) Ltd 
    176. Nhlanzi Investments (Pty) Ltd 
    177. Nikwe Trading (Pty) Ltd 
    178. NOFESA cc 
    179. Nolwazi Dev Centre (Pty) Ltd 
    180. Nomzumbe Trading & Projects (Pty) Ltd 
    181. Northlink College 
    182. Northlink College - Protea Campus 
    183. Nosino Projects (Pty) Ltd 
    184. Nqothu Projects (PTY) LTD 
    185. Nteko Investments 
    186. Ntuthuko Projects & Services 
    187. Nurture-Nature Resources (Pty) Ltd 
    188. Nurtured Minds Trading (Pty) Ltd 
    189. Operational Process Improvements (Pty) Ltd 
    190. Optimum Capacity (Pty) Ltd 
    191. OTIS (PTY) LTD (Wadeville)(TP) 
    192. OTP 
    193. Oyama Kulwazi Training & Consulting (Pty) Ltd 
    194. Pectosource (Pty) Ltd 
    195. Penny Lane Fashion School (Pty) Ltd 
    196. People Upliftments t/a POPUP Upliftment 
    197. Pesac Professional Training (Pty) Ltd 
    198. Phala Projects cc 
    199. Phetho Concepts (Pty) Ltd 
    200. Positive Thinking Consultants CC 
    201. Practice Makes Perfect Training Centre 
    202. Premier Agric (Pty) Ltd 
    203. Prempie Business Solutions (Pty) Ltd 
    204. Prispiri (Pty) Ltd 
    205. Professional Development and Training Institute (Pty) Ltd 
    206. Professional Training Institute (Pty) Ltd 
    207. Progressive School of Business and Engineering (Pty) 
    208. Project Literacy 
    209. Qualfurn Training & Projects 
    210. Rally Business Consulting PTY LTD 
    211. Re Tshepeng Holdings 
    212. Retshetse Training Project 
    213. RI A LINDA SECURITY SOLUTIONS 
    214. RUBICON COMMUNICATIONS 
    215. Russel Meaker cc 
    216. Safe Heavens Properties (Pty) Ltd 
    217. Samkeliso Craft NPC 
    218. Sarva Dharma Ashram 
    219. SBJ Shadikamang Agriculture 
    220. Scientific Roets (Pty) Ltd 
    221. Sea Harvest Corporation (Pty) Ltd 
    222. Seacrest Investments 156 (Pty) Ltd 
    223. Sedibeng TVET College 
    224. Sefudi Business Solutions 
    225. Sekhukhune FET College - Central Office 
    226. SEOPOSENGOE TRAINING CONSULTANCY CC 
    227. Sew Africa Training Centre 
    228. SHIRS VISION COMPLEADEV PTY LTD 
    229. Sibonguthando Projects And Services Cc 
    230. Silalele Consultants (Pty) Ltd 
    231. Silungokuhle (Pty) Ltd 
    232. Silver Falls Scientific 
    233. Sinovuyolethu Trading (Pty) Ltd 
    234. Sisiziwe Training Centre Co-operative 
    235. SIYAYA SKILLS INSTITUTE EASTERN CAPE 
    236. Solar Salt 
    237. Souls 4 Life Trading (Pty) Ltd 
    238. South African Advanced Skills Institute 
    239. South Cape Public FET College - George Campus 
    240. Southern African Institute of Learning (SAIL) 
    241. SPLS Consultants (Pty) Ltd 
    242. STUDIO 05 HOUSE OF FASHION 
    243. SW Skills Wise (Pty) Ltd 
    244. T Mdlatu Trading Enterprise cc 
    245. Talent for Sewing 
    246. TBL Empowerment Hub 
    247. Tebkhan Investments (Pty) Ltd 
    248. Tembe Service Providers 
    249. ThabileTrade 1054 cc 
    250. THANDEKA VOCATIONAL EDUCATION TRUST (PTY) LTD 
    251. The Brokers Learning Centre 
    252. The Finishing College (Pty) Ltd 
    253. The Institute of Fashion and Garment Technology (Pty) Ltd 
    254. The New Look 
    255. Thitha Training and Development Services 
    256. Thuto Skills Development 
    257. TIBZA Consulting (Pty) Ltd 
    258. Tirhani SkillsTraining Pty Ltd 
    259. Tlhole Foundation (PTY) LTD 
    260. Trade Call Investments Apparel (Pty) LTD 
    261. Trade Call Investments Apparel (Pty) Ltd (Mobeni) 
    262. Training Answers 
    263. Tripple R Training Provider 
    264. True Ruby Trading 1021 cc 
    265. TRY EASY ELECTRICAL SOLUTIONS 
    266. Tshwane North College 
    267. U AND G TRAINING (PTY) LTD 
    268. Ubucubu Home Industries 
    269. Ubuhle Bengcebo 
    270. Udumo Services & Projects 
    271. Umbuso Training Services 
    272. Umfolozi TVET College (Richards Bay) 
    273. Umlozi Skills Centre (Pty) Ltd 
    274. Umnotho We Afrika Foundation NPC 
    275. Umtha Developments 
    276. Umunotho Wealth Management Pty Ltd 
    277. Uyabusisa Arts and Development Pty Ltd 
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    283. Vhembe TVET College 
    284. Vicmat Consultants 
    285. Vijay Bhagwan Consultancy and Solutions cc 
    286. VINE APPAREL (PTY)LTD 
    287. Visionary Skill Academy 
    288. VMMK Capital Investment (Pty) Ltd 
    289. VPK BUSINESS VENTURE C C 
    290. Vuliqgondo Research & Manufacturing Centre 
    291. Vuthlari Marketing Consulting (Pty) Ltd 
    292. Warona Owethu Projects (Pty) Ltd 
    293. Wattville Community Learning College 
    294. Western Cape Clothing and Textiles Service Centre 
    295. Wilratty Consultants (Pty) Ltd 
    296. Womens Leadership & Empowerment Initiative 
    297. World Pace Development & Training Institute (Pty) Ltd 
    298. World Pace Development and Training Institute 
    299. Xhamela Development Services 
    300. Yahweh Shammah Socio-Economic Development 
    301. Youth for Survival NPO 



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