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Scaffolded Consumer Math Curriculum

Scaffolded Consumer Math Curriculum

This new consumer math curriculum is an approachable guide to building financial literacy, geared towards high school students to prepare them for a successful financial life after graduation. It includes a printable student book, accompanying student notebook pages, a printable teacher's book, editable quizzes, projector notes and all answer keys.

How do I file a tax return? What is a credit score and where does it come from? What is the difference between a debit card and a credit card? How much of my paycheck will be taken out in taxes? Can I afford a car? This consumer math curriculum answers all of these questions and more.

Topics covered:

  • Wants vs. needs
  • Checks and registers
  • Wages and salary
  • Accounts
  • Budgets
  • Electronic banking and credit cards
  • Credit score
  • Discounts and coupons
  • Sales tax and tip
  • Percent change
  • Unit price
  • Filing income taxes*
  • Car loans
  • Mortgages
  • Student loans
  • Investing 

*The income taxes unit will be updated each year to reflect changes to that year's U.S. Form 1040. You will receive an email when the curriculum is ready for redownload. Redownloads are free.

Files included:

  • Printable student text (174 pages)
  • Printable teacher text with all answer keys (178 pages)
  • Printable student notebook sheets (105 half sheets)
  • Student notebook sheets answer key
  • Projector notes (these match the student notebook sheets)
  • Editable quizzes for each unit (16 quizzes in PowerPoint)
  • Quiz answer keys 

How to use the included materials:

The student text is a reference that includes vocabulary, examples and questions for students to answer. You can choose to print the entire student text at once or each unit at a time for student packets or their binders.

The student notebook sheets provide a space for students to answer the questions posed in the text. There are also additional analysis questions on the student notebook sheets for students to answer that are not in the student text. Students paste these notebook sheets into a composition notebook and complete their work there.

The teacher text and student notebook sheets key include all answers to all questions presented in the student text and the extra analysis questions on the student notebook sheets.

The projector notes are in PowerPoint and match the student notebook sheets so that you can complete notes along with your students if they require this added support.

The quizzes are completely editable in PowerPoint. Quiz keys are included for all quizzes.


Who's this curriculum for?

I wrote this curriculum for high school students not taking precalculus or calculus their senior year. These are the students I taught when teaching consumer math and who I feel will benefit most from this curriculum.


Can it work for younger students?

If your students have already been introduced to percents, this curriculum may work for them. However, I do feel that high school students will be most invested in learning this material as it answers the questions they currently have about their personal finances.


Is it for a semester or for the year?

This curriculum does not contain activities outside of the student notebook sheets, so can possibly be completed in one semester if used alone. I do have a big bundle of consumer math activities here.


How many licenses do I need?

This curriculum is licensed for 1 teacher to use with his or her students year after year.


I homeschool. Will this work for me?

Yes, you just wouldn't need to use the projector notes. Those are meant to be projected onto a screen as class notes.


Is it available on TpT?

The curriculum is only available here on my website.


Do you have a list of standards?

This curriculum covers the following National Standards for Personal Financial Education:

Earning Income: Wages and salary, Gross pay, Exact net pay, Approximating net pay, Pay schedules, Tips, Earning interest, Retirement savings, 401(K) employer matching, Filing income taxes, Tax deductions, Wage theft

Spending: Budgeting, Keeping a register of spending, Comparing unit prices, Sales Tax, Discounts, Coupons

Saving: Savings, checking, money market accounts, CDs, Simple interest, Compound interest, Pre- and post-tax retirement accounts

Investing: Risk vs. reward, Stock market, Bonds, Retirement accounts, Diversifying

Credit: Credit score, Credit report, Credit card choices, Credit card interest, Minimum payments, APRs, Down payments, Car loans, Mortgages, Amortization schedules, Student loans, Deferment, Forbearance, Capitalizing interest


Do you have a printout that I can give to my administration for approval?

Yes. Here is an info sheet to give to your administrator for approval. 


Do you accept school purchase orders?

Yes. My P.O. directions are here. Or you can send me an email to


Will this curriculum be updated?

Yes, this curriculum will be updated every year to reflect changes to the way we file income tax returns. When the curriculum is ready to be redownloaded, you will receive an email from me with the redownload link.


Consumer math is such an important and fun course to teach, and I hope that your students thoroughly enjoy building their financial literacy skills with you! Please send me an email if you have any questions. There's also a Facebook group for consumer math teachers here.




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  • This site is run by Shana McKay of Scaffolded Math and Science,