**Topics covered: **

- 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

**The income taxes unit will be updated every year. You will receive an email by early February 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

**Details:**

__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.

__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.

__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.

__projector notes__match the student notebook sheets so that you can complete notes along with your students on the board.

__quizzes__are completely editable in PowerPoint. You can print the quizzes just as you would any document.

__Quiz answer keys__are included for all quizzes.

*FAQs:*

**What makes this curriculum different?**

**Who's this curriculum for?**

**Can it work for younger students?**

**Is it for a semester or for the year?**

**How many licenses do I need?**

**Is it available on TpT?**

**Do you have a list of standards?**

__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?**

**Do you accept school purchase orders?**

**Will the curriculum be updated?**

__2023 update__: This year's curriculum update was completed on 1/26/2023. All income tax references are up to date through 1/1/2024.