Consumer Math Curriculum Warm-Ups 18 Units of Financial Literacy Bell Ringers

Do you start math class with a warm-up or a bell ringer? My classes started going more smoothly once I got my warm-up routine down. 

Our classroom routine: 

Students enter our classroom and grab a warm-up out of the basket at the front of the classroom. The warm-ups were either a 1/2-sheet or 1/4-sheet of paper and would get glued into their interactive notebooks or on binder paper. Students get time to work on their warm-up independently before we go over the answers together to make sure we were all on the same page.

Sometimes if students weren't focused, I'd switch gears and collect the warm-ups for points. This kept students on their toes. I'd only ever do this when the warm-up was a spiral review of material students had recently learned. This was usually the case with our warm-ups-- they'd be a short review of previous material before moving on to learn new math concepts.

I put together an 18-unit pack of consumer math warm-ups to get students thinking about real-world math as soon as they sit down for class. There are at least 6 warm-ups included for each curriculum unit listed below, along with answer keys:

18 units of consumer math warm-ups: 

• 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 warm-ups are all sized to be cut and pasted into an interactive math notebook. Students answer their warm-ups on their notebook paper, discuss with each other and report out on their answers to create a classroom discussion. These are the same warm-ups included in the Scaffolded Consumer Math Curriculum.

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