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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 -- a teacher's book, student book, student notes, quizzes and more -- to make the course easy to teach for you and enjoyable to learn for your students. 

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

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

The video thumbnail gives a quick look inside the student book.


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
  • 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 re-download. 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)
  • 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 so that you can easily print the whole book at once or one unit at a time.

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, and also include 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. Inside the teacher’s book are links to a Google folder of warm-ups and to a new consumer math teacher Facebook group.

The projector notes match the student notebook sheets so that you can complete notes along with your students on the board. 

The quizzes are completely editable in PowerPoint. Quiz answer 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 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 do feel that high school students will be most invested in learning the 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 may not need to use the projector notes. Those are meant to be projected onto a screen in a classroom setting.


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, 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 administration for approval?

Yes. You can find a printout here for your administrator. 


Do you accept school purchase orders?

Yes. You can find that information here. Or you can send me an email to


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


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 skills with you! Please send me an email to if you have any questions.  



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