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Scaffolded Consumer Math Curriculum

Scaffolded Consumer Math Curriculum

This consumer math curriculum is an approachable guide to building financial literacy for teens. It includes everything you need to easily teach a high school personal finance, financial literacy or consumer math course.

How do I file a tax return? What is a credit score? How much of my paycheck will be withheld for taxes? What's an APR? This consumer math curriculum answers all of these questions, and more!

Scaffolded Consumer Math Curriculum

The curriculum includes warm-ups, a student book, accompanying student notebook sheets for building an interactive notebook, a teacher's book, projector notes to shine on the board, editable quizzes for each unit and all answer keys.


You can download a preview of the curriculum here.


Scaffolded Consumer Math Curriculum mortgages


  • 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
  • Income taxes*
  • Car loans
  • Mortgages
  • Student loans
  • Investing 

*The income taxes unit will be updated every year. Re-downloads are free.

Files included:

  • Printable student book (174 pages)
  • Printable teacher’s book (178 pages)
  • Printable student notebook sheets (105 half-sheets)
  • Projector notes (these match the student notebook sheets)
  • Editable quizzes for each unit (16 quizzes in PowerPoint)
  • Warm-ups for each unit
  • All answer keys 


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

The student notebook sheets are half-sheets designed for an interactive notebook. The sheets provide space for students to answer the questions posed in the book, along with additional analysis questions. Students paste these notebook sheets into a composition notebook, which then becomes their own personal finance reference.

The teacher’s book and student notebook sheets answer key include all answers to all questions presented in the student book and the extra analysis questions on the student notebook sheets.

The projector notes match the student notebook sheets so that you can complete notes along with your students on the board if they require this additional support. 

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

The warm-ups for every unit are formatted for student notebooks.



Who is this curriculum for?

I wrote this curriculum for high school students not taking precalculus or calculus their senior year and who may have mild to moderate disabilities in math and/or reading. 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 feel that high school students will be more invested in learning the material as it answers the questions they currently have about their personal finances.


Do you have a sample to share?

While I don't have a sample to share, you can download a detailed preview of the curriculum here. It shows all that is included in the first unit-- Wants vs. Needs.


Is it for a semester or for the year?

The curriculum does not contain activities outside of the student notebook sheets, so can possibly be completed in a single semester. For teachers who would like to supplement the curriculum with additional activities, 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, the curriculum will work in a homeschool setting. All of the information needed to complete the student notebook sheets is found in the student book. You may not need the projector notes because they are meant to project onto a screen in a classroom, but all other included materials will work.


Is it available on TPT?

No, the curriculum is only available here on my website.


Do you have a list of standards?

The 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, 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 card interest, credit card choices, credit score, credit report, minimum payments, APRs, down payments, car loans, mortgages, amortization schedules, student loan interest, student loan choices, deferment, forbearance, capitalizing interest


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

Yes, you can find a printout here for your administrator. 


Do I need an account?

An account is not necessary but will allow you to access your files anytime and more easily access future updates. You can make an account here.


Will the curriculum be updated? 

Yes, this curriculum will be updated every year to reflect changes to the way we file income taxes. When the curriculum is ready to be re-downloaded, you will receive an email. Re-downloads are free. 


Do you accept school purchase orders?

Yes, you can find information about purchase orders here.



With everything you need in one place, this consumer math curriculum will make teaching the course easy for you and enjoyable for your students. Consumer math is such an important and fun course to teach, and I hope that your students thoroughly enjoy building their financial literacy with you!


Please send me an email to if you have any questions. There is also a new high school consumer math Facebook group.


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