• "Jess was fantastic, very engaging and born to be a teacher. Lots of energy and great examples."
    Maria Petrides, Braybrook College, VIC

  • "At last! Students educated in the important concept of budgeting and saving. Long time coming, but essential learning."
    Michael Newington, Victoria University, Sunshine Campus, VIC

  • "The students were very engaged during the session. The information was excellent and gave them an insight into what they could or should be doing."
    Sharon Reid, First Impressions Resources, The Australian Retail College, QLD

  • "Your workshops have been very well received, with comments from our senior trainers including responses like 'these are among the best and most worthwhile sessions we have had on campus.'"
    Debra Aarons, Martin College, NSW

  • "The two workshops conducted with my class were engaging and fun. The students found the presenter to be very likeable and she made the material relevant to them."
    Kris Turbet, Sydney TAFE, Sutherland College - Gymea Campus, NSW

  • "StartSmart workshops have enabled our students to realise not only the benefits of earning money, but how to manage it."
    Phil Sallis, Evocca College, NSW

  • "The skills taught will enable apprentices to make good choices that will help them finish their qualification."
    Joseph Dines, Polytechnic West, Electrical Campus, WA

Industry research and advisors

The Commonwealth Bank has been working in close partnership with Karrikins Group during the design and development of this particular Start Smart offer. Karrikins Group offers expertise in the science of behavioural change, having designed large and significant face-to-face behaviour change programs around the world.

Financial Literacy Research Project

We have worked with the University of Sydney’s Workplace Research Centre to conduct landmark research into the state of financial literacy in young adults participating in Vocational Education and Training.

The study allowed us to gain invaluable insight into the challenges students face on a daily basis as well as identify the key skills and competency gaps around money management.

As a result each Pathways workshop has been developed to meet the financial literacy needs specific to this diverse group of young adults.