MTH322: Consumer Math

This list is representative of the materials provided or used in this course. Keep in mind that the actual materials used may vary, depending on the school in which you are enrolled, and whether you are taking the course as Independent Study.

For a complete list of the materials to be used in this course by your enrolled student, please visit MyInfo. All lists are subject to change at any time.

Scope & Sequence : Scope & Sequence documents describe what is covered in a course (the scope) and also the order in which topics are covered (the sequence). These documents list instructional objectives and skills to be mastered. K12 Scope & Sequence documents for each course include:

Course Overview

In Consumer Math, students study and review arithmetic skills they can apply in their personal lives and in their future careers. The first semester of the course begins with a focus on occupational topics; it includes details on jobs, wages, deductions, taxes, insurance, recreation and spending, and transportation. In the second semester of Consumer Math, students learn about personal finances, checking and savings accounts, loans and buying on credit, automobile expenses, and housing expenses. Narrated slide shows help illustrate some of the more difficult content. Throughout the course, students participate in online discussions with each other and their teacher.

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Course Length

Two Semesters back to top



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Course Outline


Unit 1: All About Jobs

Students review decimals, percentages, and the order of operations, and then see practical applications to wages.

  • Decimal Review
  • Working with Wages
  • Review of Percents
  • Review of Order of Operations
  • Wages and Tips

Unit 2: Wages

Students continue their investigation into job compensation with a review of fractions and equations.

  • Review of Fractions
  • Forms and Time Cards
  • Review of Equations
  • Salary and Commission

Unit 3: Deductions, Taxes, and Insurance

Students review tables and graphs and apply what they have learned to payroll deductions for taxes and insurance.

  • Payroll Deductions
  • Health and Life Insurance
  • Tables, Graphs, and Measures of Central Tendency
  • Federal Income Tax

Unit 4: Recreation and Spending

Students review mathematical concepts that aid in smart budgeting.

  • Movies, Parks, and Sports
  • Costs of Recreation
  • Buying Clothes and Shopping
  • Buying Food and Eating Out

Unit 5: Transportation

Students review mathematical concepts and how they relate to transportation costs.

  • Travel by Air, Bus, Train, and Taxi
  • Taking Road Trips


Unit 6: Personal Finances

Graphs and linear equations help students understand budgets, net worth, and purchasing power.

  • Graphs and Linear Equations
  • Net Worth and Purchasing Power
  • Budgets

Unit 7: Checking and Savings Accounts

Students review exponential equations, and practice mathematical skills that relate to bank accounts, savings, and interest.

  • Exponential Equations and Graphs
  • Checking Accounts
  • Savings Accounts and Passbooks
  • Simple and Compound Interest
  • Interest Graphs and T-tables

Unit 8: Credit

Students review skills essential to making smart choices about credit.

  • Using Credit Cards and Finance Charges
  • Loans
  • Installment Buying and APR
  • Thinking about Credit

Unit 9: Automobile Expenses

Students use their mathematical skills to investigate the costs of owning a car.

  • Buying an Automobile and Auto Loans
  • Operating Expenses, Maintenance, and Repair
  • Automobile Insurance
  • Car Rental and Comparing Cars

Unit 10: Housing

Students practice skills and investigate the financial considerations of owning or renting a home.

  • Renting an Apartment
  • Buying a House and Mortgages
  • Taxes and Insurance
  • Decorating and Remodeling
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Lesson Scheduling

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K12 Scope & Sequence documents for each course include:

  • Course Overview (as seen above)
  • Course Outline
  • Lesson Time and Scheduling