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NSW Curriculum
NSW Education Standards Authority

11–12Mathematics Life Skills 11–12 Syllabus

Record of changes
Implementation from 2026
Expand for detailed implementation advice

Content

Life Skills

Life Skills for Stage 6

Through collaborative curriculum planning, it may be decided that Life Skills outcomes and content are the most appropriate option for some students with intellectual disability.

Financial mathematics
Understanding money
  • Recognise and use language that relates to money

  • Recognise the variety of ways that payments can be made or received

  • Compare and contrast different ways of paying or being paid

  • Represent money amounts in numerals and words

  • Recognise, match, sort, order and use Australian currency

  • Communicate ways to keep money safe

  • Recognise that different countries have used different forms of currency throughout history

  • Recognise that other countries use different currencies

  • Investigate currencies of other countries

  • Convert between currencies of countries

Calculating with money
  • Recognise typical decimal notation used to express money amounts

  • Interpret calculator and digital displays involving decimal answers in the context of money

  • Calculate using money

  • Estimate and calculate with money to determine whether an answer is reasonable

  • Round money amounts to the nearest increment of 5 cents, 10 cents, dollar or 5 dollars

  • Solve problems involving money

Earning money
  • Recognise and use language that relates to employment

  • Describe different types of income

  • Calculate different types of income in real-world contexts

  • Examine a timesheet and calculate wages for the time period covered

  • Interpret pay advice notifications

  • Calculate total income for a given time period, taking into account regular pay, overtime pay and other allowances

  • Recognise that income is subject to taxation and the need to submit a tax return annually

  • Recognise and respond to language that relates to taxation

  • Recognise that there may be other deductions taken from a person’s income

  • Calculate tax and other deductions and use this to calculate net earnings

  • Examine the information needed to complete a tax return and the need for record keeping

Spending money
  • Recognise that money is a limited resource when budgeting and spending

  • Distinguish between goods and services

  • Compare goods and services as wants and needs

  • Prioritise purchases

  • Identify the goods and services tax (GST) component of purchased goods and services

  • Compare the price of goods or services by arranging them from the least expensive to the most expensive

  • Calculate costs and change on purchases

  • Calculate costs involving rates

  • Determine the best buy from two or more options, considering a range of factors

  • Compare costs of goods and services online with costs in store

  • Calculate discounts on goods and services including those involving percentages

  • Calculate the GST payable on items

  • Examine consumer rights when spending money

  • Investigate agencies that can assist with consumer issues

Digital money management
  • Recognise that money can be spent online

  • Identify safe ways to pay for goods online

  • Recognise potential dangers and scams when using money online

  • Recognise that there may be hidden costs when purchasing goods online

  • Examine consumer rights when spending money online

Budgeting
  • Recognise and use language that relates to budgeting

  • Review a budget with income and expenditure

  • Recognise the need to balance income and expenditure to manage expenses and debt

  • Examine and interpret household bills, including understanding commonly used terms and different ways of paying

  • Develop a budget

  • Develop a regular payment plan for an associated cost

Saving money
  • Recognise and use language related to saving and financial transactions

  • Recognise a range of banks and financial institutions

  • Identify and compare the different types of bank accounts

  • Use strategies to manage bank accounts

  • Outline the advantages of saving money

  • Use online calculators to calculate interest earned on savings for different periods and rates

Borrowing money
  • Recognise and use language related to borrowing

  • Identify different ways of purchasing goods or services

  • Outline the reasons that someone might need or want to borrow money

  • Identify and compare different types of borrowing

  • Explain advantages and disadvantages of borrowing money

  • Recognise the requirement to repay borrowed money and the extra costs

  • Examine different aspects of borrowing, including using a loan calculator and other digital tools

Financial decisions
  • Identify agencies that support financial planning decisions

  • Identify the difference between debit and credit cards

  • Compare and contrast debit and credit cards and implications of their use

  • Investigate interest earned or charged on different accounts

  • Identify superannuation as a form of saving and investing for retirement

  • Investigate getting a tax file number (TFN)

  • Recognise the types of insurance available and explain the benefits and costs of various insurances

  • Recognise that investment can be a way to save and increase wealth

  • Describe common types of investment

  • Outline the advantages, difficulties and risks in making investments

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