Practical Math Skills for Real Life

Prepare your high school student for real-world success with Consumer Math, a practical, faith-based math course designed for grades 9–12. This engaging curriculum teaches students how to apply foundational math skills to everyday financial decisions—budgeting, spending, saving, investing, and giving—while grounding them in biblical principles of stewardship and generosity.

Using the equation income = giving + saving + spending, students will learn to apportion the money they make in a way that provides for their needs while adhering to biblical principles concerning tithing and being generous.

Students will learn how to create and manage a personal budget, compare costs for major purchases, calculate interest, understand credit, evaluate housing and career choices, and more. This course equips teens to make wise financial decisions now and in the future. With real-life case studies, mental math strategies, spreadsheet skills, and a biblical worldview, Consumer Math is ideal for homeschool families looking for a math curriculum that teaches both financial literacy and Christian values.

You will love the practicality that takes math from being abstract to being useful in your daily life with Consumer Math.

Table of Contents

Quarter 1: The Big Picture & Key Skills

1. Introduction & Giving
2. Introduction to Living Expenses
3. Savings, Compound Interest, & Debt
4. Taxes
5. More Taxes & Review

Quarter 2: Budgeting

6. Getting Started with a Budget
7. More on Budgeting Income; Limiting Lifestyle (Food)
8. Budgeting & Medical Expenses
9. Budgeting for Big Expenses
10. Review

Quarter 3: Financial Decisions

11. Cars
12. Career Preparation
13. Housing, Part 1
14. Housing, Part 2
15. Decisions & Review

Quarter 4: More Applications, Investments, & Financial Review

16. Applying Math Skills to Daily Life
17. Savings: Understanding Saving Options
18. Savings: Mechanics & Retirement
19. Estimating Taxes, Business Math, & Review
20. Review