🧺 Te Kete Ako

Living Wage Reality Check

Can You Survive on Minimum Wage? · Unit 4 · Social Studies / Mathematics

SubjectSocial Studies / Maths
Year LevelYear 9–10
Duration50–60 min
CurriculumSocial Studies · Level 4–5

Ngā Whāinga Akoranga · Learning Intentions

  • Calculate a weekly budget using real income and expense data
  • Compare minimum wage and living wage and evaluate the difference in terms of lived experience
  • Analyse who holds power in decisions about wage rates
  • Connect financial data to concepts of equity, dignity, and mana tangata

Paearu Angitu · Success Criteria

  • I can calculate a weekly surplus or deficit from income and expense data
  • I can calculate the difference between minimum wage and living wage — weekly and annually
  • I can identify at least two consequences of living below the living wage threshold
  • I can use mathematical evidence to argue a position on wages in NZ

Hononga Marautanga · Curriculum Alignment

Social Studies — Social Organisation

Level 4–5: understand how economic decisions and power structures affect people's lives; investigate issues of equity and participation in society.

Mathematics — Number and Proportional Reasoning

Apply proportional reasoning, percentages, and budget calculations in authentic contexts; interpret financial data.

Whakarite · Your Scenario

You are 22 years old, working full-time (40 hours/week) at minimum wage in Auckland. You're renting a room in a shared flat, have no car, and are trying to save for your future.

2024 minimum wage: $23.15/hr  |  Gross weekly: $926  |  After tax (approx.): ~$780/week

Wāhi 1 · Calculate Your Essential Expenses

Research actual costs (use Trademe for rent, AT Journey Planner for transport) or estimate. Fill in your weekly cost for each.

ExpenseWeekly cost ($)Your notes / source
Rent (1 room, shared flat)Check Trademe — try South Auckland and CBD
Power & internet (your share)Typically $30–50/week
Food & groceriesBudget carefully — aim for real meal planning
Transport (bus/train)Monthly pass ÷ 4.3 weeks
PhonePrepay or plan
Health (GP, medicine avg)Estimate $10–15/week over a year
Clothing & personal careBare minimum
TOTAL ESSENTIALS$

Weekly take-home ($780) minus total essentials = your weekly surplus/deficit:

$780 − $______ = $______

What does this number tell you about life on minimum wage in Auckland?

Wāhi 2 · Reality Check — What Gets Cut?

Unexpected costs this month: Your laptop dies ($800). You have $200 saved. How do you find the remaining $600?

Tick the options you would consider. Then answer the questions below.

1. How does this situation feel? What would be the hardest sacrifice?

2. How might this constant financial stress affect someone's health, relationships, and work performance?

3. Is this "living"? Or just surviving? What is the difference?

Wāhi 3 · The Living Wage Difference

The Living Wage (2024) is $27.80/hour — calculated as the minimum for a basic dignified life, not just survival.

WageHourly rateWeekly (after tax)Annual gross
Minimum Wage$23.15~$780~$48,000
Living Wage$27.80~$925~$57,600
Difference+$4.65/hr+~$145/week+~$9,600

1. That extra $145/week — what specifically could it change about the scenario in Part 1?

2. Over a working life of 40 years, what is the total difference between earning minimum wage and living wage (rough estimate)? Show your calculation.

3. (Extension) Who benefits financially from keeping minimum wage below the living wage? Who loses? Use evidence to support your answer.

Aronga Mātauranga Māori

The concept of mana tangata — the dignity and worth inherent in every person — is central to te ao Māori. A wage that does not allow a person to live with dignity undermines mana tangata. Māori workers are disproportionately represented in minimum-wage employment: according to Stats NZ, Māori median incomes remain significantly below the national median, a pattern rooted in colonial land alienation and structural disadvantage that continues to the present.

The living wage movement aligns with values of manaakitanga (care and generosity) and kotahitanga (solidarity). Some iwi have adopted Living Wage policies for their own enterprises as an act of tino rangatiratanga — demonstrating what a values-led economy looks like in practice.

Ngā Rauemi Tautoko · Support Materials

Resources already provided:

  • This handout with scenario data and budget tables
  • Calculator (permitted throughout)
  • Living Wage NZ: livingwage.org.nz — current rates and methodology
  • TradeMe Property (trademe.co.nz/property/rent) — for actual Auckland room rent data

Aronga Rerekē · Differentiated Pathways

Tīmata · Entry Level

Complete the budget table using teacher-provided figures. Calculate the surplus/deficit. Answer reflection questions 1 and 3 in Part 2.

Paerewa · On Level

Research your own cost figures and complete the full budget. Complete all three parts. Show calculations for the 40-year comparison.

Tūāpae · Extension

Complete all sections. Research and compare: minimum wage vs living wage in Australia, UK, or a Scandinavian country. Write a paragraph using data to argue whether NZ's minimum wage is sufficient. Consider what policy changes would be needed to achieve the living wage nationally.

📋 Teacher Planning Snapshot

Ngā Whāinga Ako — Learning Intentions

Students will engage with this resource to critically examine economic systems — understanding how wealth, power, and resources are distributed in Aotearoa New Zealand, and exploring indigenous and alternative economic frameworks that prioritise collective wellbeing, mana, and tino rangatiratanga over individual accumulation.

Ngā Paearu Angitū — Success Criteria

  • ✅ Students can explain how economic inequality is produced and sustained through systems, not just individual choices.
  • ✅ Students can describe at least one alternative economic model — including a Māori or indigenous framework — that challenges dominant assumptions about wealth and justice.

Differentiation & Inclusion

Scaffold support: Provide structured comparison frameworks (e.g., two-column tables: "current system vs alternative") for entry-level access. Offer extension tasks asking students to research a specific Māori economic enterprise (e.g., Ngāi Tahu Holdings, Tainui Group Holdings) and evaluate how it balances commercial success with cultural values.

ELL / ESOL: Economic concepts (equity, redistribution, exploitation, surplus value, collective ownership) need concrete grounding — use local NZ examples and visual infographics. Allow oral discussion of economic justice issues before written analysis. Draw connections to students' home countries' economic systems as valid comparative frameworks.

Inclusion: Economic discussions can touch on students' lived experiences of poverty, precarity, or privilege — create a safe, non-judgmental space. Neurodiverse learners benefit from concrete case studies rather than abstract theory. Frame economic justice as a systems problem, not a personal failing — this reframe is both accurate and inclusive.

Mātauranga Māori lens: The Māori economy before colonisation was not "primitive" — it was a sophisticated system of reciprocal exchange (utu), collective resource management (rāhui, kaitiakitanga), redistribution through manaakitanga, and wealth measured in relationships and obligations rather than individual accumulation. Colonisation deliberately disrupted these systems through land confiscation and the introduction of individual title. Contemporary Māori economic development — through iwi corporations, Māori land trusts, and social enterprises — represents a reclamation of rangatiratanga in the economic sphere. The concept of ōhanga Māori (Māori economy) offers a genuinely alternative framework for thinking about justice, sufficiency, and collective flourishing.

Prior knowledge: Students benefit from basic familiarity with how markets and governments work. No specialist economics knowledge required — the unit builds this progressively through accessible case studies.

Curriculum alignment