Scaffolded Consumer Math Curriculum for building financial literacy

Scaffolded Consumer Math Curriculum

How do I file a tax return? What is a credit score? How much of my paycheck will be withheld for taxes? How much rent can I afford? How do I calculate a budget?

I got a TON of questions just like these while teaching high school consumer math. Many of the questions were about things I had assumed my students would already know. But how would they know? My students were seniors and worried about life after high school. Understandable!

The consumer math curriculum's student notebook sheets build an interactive notebook and match the student book.

When I taught consumer math there was no curriculum, and I spent a lot of time piecing the course together from materials found online. My students were all seniors with IEPs for mild to moderate disabilities in math/reading, so I needed to find accessible materials that were also age-appropriate and interesting. I wanted my students to enjoy building their personal financial literacy. In spring 2022, I decided to start building the consumer math curriculum I wished I had back then, and I'm happy to say that it is now available on my website.

This new, printable consumer math curriculum is an approachable guide to building financial literacy for teens. It includes warm-ups, a student book, accompanying student notebook sheets, a teacher's book, PowerPoint projector notes, editable quizzes and all answer keys. The curriculum will answer all of your students' personal finance questions and more. 

"Hands-down, this is the best consumer math curriculum. Easy to use even if you don’t have the greatest understanding of certain concepts. Warms-ups for access to extra practice problems as well as walkthrough PowerPoints and much more. So thankful I got it! My students enjoyed learning each concept and were able to work through excellent real-world math problems making it relatable!” -Teacher Jodi Staggers

Here's a short video overview of the student book and student notebook sheets. Please note that 2 additional units have been added to the curriculum since the video-- a car insurance unit and a health insurance unit:


  • Wants vs. needs
  • Checks and registers
  • Wages and salary
  • Bank 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
  • Car insurance
  • Health insurance

*The income taxes unit is updated every year in January. Redownloads to get updates and additions are always free.

"This Consumer Math curriculum is amazing. It is so well organized! I also used the activity bundle and this made a super year long course! I would highly recommend it!" - Teacher Amy Field


Scaffolded Consumer Math Curriculum

Files included: 
  • Student book (199 pages) 
  • Teacher’s book (203 pages) 
  • Student notebook sheets (122 half sheets)
  • PowerPoint projector notes 
  • Editable quizzes for each unit (18 quizzes) 
  • Warm-ups for each unit
  • All answer keys 

Scaffolded Consumer Math Curriculum - income taxes unit


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, 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.

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. Quiz answer keys are included for all quizzes and are also editable.

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

Scaffolded Consumer Math Curriculum


Who is this curriculum for? 
I wrote this consumer math curriculum for high school students 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. 

Is it for the semester or the year?
The curriculum is for the year. If you would like additional activities to supplement the curriculum, there is an additional consumer math activities bundle. Code SAVE25 at checkout saves $25 when purchasing the curriculum and activities bundle together.

Can it work for younger students? 
If your students have already been introduced to percents, this consumer math 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 printout that I can give to my admin for approval? 
Yes, you can find a printout here for your administrator.

Do you have a preview of the curriculum?
A preview file can be found here.

Will the curriculum be sent in the mail?
No, this curriculum is a set of PDF and PowerPoint files. Nothing will be sent in the mail.

How many licenses do I need? 
The curriculum is licensed for 1 single teacher to use with his or her students year after year.

I homeschool. Will this work for me? 
Yes, homeschooling families are using this curriculum. The curriculum works well in both a classroom setting and in a homeschool setting.

Is it available on TPT? 
No, this curriculum is not available on TPT.

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, insurance 

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 

Will the curriculum be updated?
Yes, the income taxes unit will be kept current each year. Additional units and supplemental projects or other materials may also be added. Redownloads to get updates and additions are free.

Do you accept school purchase orders?
Yes, purchase order information can be found 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.

The Scaffolded Consumer Math Curriculum is available for download here


  1. AnonymousJuly 15, 2022

    I am so excited for your Consumer Math unit!! It is one of my favorite topics to teach! Can’t wait!!

    1. Yay! I am so excited that you are excited! I am, too! It is such a fun class to teach!

  2. AnonymousJuly 16, 2022

    LOVE IT!! SO excited

  3. As a new immigrant for five years and being an international teacher, I would be thrilled to learn from your book. I can’t wait to get it!

  4. Is there a sample we can look at? I don’t if it hugely has sample stamped across it. I would just like to see a couple of samples.

    1. In the video, I go through one of the units in the student book. If this isn't enough, please send me an email and I can send a sample for you to check out.

  5. Does the Scaffolded Consumer Math Curriculum include Consumer Math Activities as well, or is that an additional amount?

    1. The Consumer Math Activities bundle is an older bundle that existed before the curriculum. It is not included in the curriculum.