Financial Literacy is an essential life skill needed at every stage of life.

This program supports better money management, enabling individuals to budget, save, and spend wisely; make informed financial decisions about investments, insurance, and savings; and build long-term financial security and independence for emergencies, retirement, and major life goals.

What We Do

Our training focuses on building a clear understanding of how money works in everyday life and business.

We break down key financial principles into simple, actionable steps, helping you develop habits that support long-term stability and growth.

What's Included

1. Basic Fundamentals of Managing Finances

• Planning for the Future – Setting SMART Goals

• Making Money Last – Until the Next Pay Day

• Needs & Wants

• Budgeting

• Assertiveness – Learning to Say ‘NO’ 

2. Financial Products & Services

• Insurance

• Fixed Deposit

• KiwiSaver

• Home Loans

• Borrowing Money

• Interest Rates

3. Entrepreneurship/Investment Knowledge and Skills

• Basic Steps for Starting a Business

• Business SMART Goals

• IRD Requirements & Expectations

• Investing in Buying a Home/Property

• Investment Opportunities in Fiji

How We Help You

• Gain clarity and control over your finances

• Improve day-to-day money management

• Make informed financial decisions

• Reduce financial stress and uncertainty

• Build a strong foundation for future growth

Who This Service Is For

Our Financial Literacy Training is ideal for:

• Individuals and families seeking better money management

• Young adults building financial independence

• Small business owners managing finances

• Community groups and organizations

Why Choose PAC Plus

• Backed by real accounting and financial expertise

• Practical, easy-to-understand training approach

• Focused on real-life application, not theory

• Supportive and engaging learning environment

Our Approach

1. Understand – We assess your current level of financial knowledge
   
   

2. Educate – We deliver clear, structured training sessions
   
   

3. Apply – We help you implement what you’ve learned
   
   

4. Support – We provide ongoing guidance where needed