Consumer Math (Download)

Consumer Math (Download)

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Overview

For Grades 9th - 12th

Consumer Math: Biblical Stewardship & Personal Finance from Master Books equips high school students with the real-world math skills they need for budgeting, managing money, understanding credit, and making wise financial decisions. Rooted in biblical stewardship, this course helps teens apply math to everyday life with confidence. It’s a practical, values-based approach to preparing students for financial independence and responsibility.

A Look Inside

Consumer Math (4.61 MB)

Book Trailer

Book Trailer - Consumer Math

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Consumer Math - Academy Course Preview

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SKU K371-1
Manufacturer Master Books
Title Consumer Math (Download)
Subtitle Biblical Stewardship & Personal Finance
Contributors Katherine Loop Hannon
Page Count 360
Publisher New Leaf Publishing Group, LLC

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 you 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
Practical skills for God’s service!
Review by JoyfulMommy
Our primary goal in education is that our children would know and love God, and be equipped with the skills they need to effectively serve Him wherever He leads. We loved how Katherine Loop Hannon presented math from a biblical worldview and built that into her prior math courses, so naturally, we are delighted that she has now produced a consumer math course that teaches very practical skills while emphasizing (with Scripture woven throughout) wise, God-honoring stewardship of the resources He entrusts to us.

Colorful and well-designed, this textbook and teacher guide are as simple to jump into as any other Master Books course, with the ready-to-use schedule and a writing style designed for the student to be able to use independently. The Master Books Academy video supplements have been a helpful resource for use with other math courses, so I am glad that is available with this one along with an optional downloadable solutions manual and case studies.
Necessary Life Skills
Review by LaceeC
I have been hoping that Master Books would come out with a Consumer Math and this does not disappoint! Written by Katherine Hannon, who author’s MB’s Principles of Mathematics books, Consumer Math takes the student through all the necessary skills needed for financial success in life. From giving, saving, and budgeting, to taxes, careers, living expenses, business math and more. I appreciate Mrs. Hannon’s ability to teach mathematics in a simple to understand way while also bringing it back to God and what He says about it. Her desire for others to know and understand more about Jesus, even while studying mathematics, is apparent.
A valuable book for everyone
Review by Lboaz
There is a lot of decisions to make as an adult & many of them are financial. This book is a fantastic resource to help learn the basics of money management, insurance, taxes, large financial decisions such as housing & cars as well as investing. Math doesn’t get more relevant to real life than this curriculum! This is definitely information that everyone should know. I wish I had this knowledge when I was just starting out on my own.
Excellent
Review by Becky V.
I have been so excited for this course! It really was so well done. I am so thrilled to have a resource to teach my kids Biblical stewardship and personal finance skills under the lens of a Biblical perspective. It’s everything to prepare them for financial independence. I wish I had this course when I was in high school!

Over the course of four quarters, topics covered are the big picture & key skills like giving, living expenses, savings, compound interest, debt, and taxes. Budgeting for those big and small expenses is covered as well as making financial decisions (cars, career prep, housing). The course finishes with more applications, investments/retirement, and a final review.

Most important, it teaches how to make financial decisions based on what comes directly from Scripture.
A must use!!!
Review by Michelle
This math curriculum is everything I wish I had growing up! I showed it to my husband and he fully agrees. In our early years as a married couple we would have done so much better with the information from a biblical context that is wrapped up in this course. I think every teenager should complete this course before graduation to properly equip them for life out in the world full of responsibility. I love how our principles of faith are woven throughout. It is colourful, interesting and easy to understand. I think you would be hard pressed to find a better option for personal finance or consumer math out there!

I really appreciate the way this curriculum presents a biblically sound baseline for personal finance in a colorful and inviting manner! My kids are all visual learners (as am I!) and using color helps so much to make a subject feel less daunting and more engaging. I highly recommend for students with ADHD or Autism who might potentially need color and practical application!
An absolute must use for every teenager!
Review by Michelle
This math curriculum is everything I wish I had growing up! I showed it to my husband and he fully agrees. In our early years as a married couple we would have done so much better with the information from a biblical context that is wrapped up in this course. I think every teenager should complete this course before graduation to properly equip them for life out in the world full of responsibility. I love how our principles of faith are woven throughout. It is colourful, interesting and easy to understand. I think you would be hard pressed to find a better option for personal finance or consumer math out there!

I really appreciate the way this curriculum presents a biblically sound baseline for personal finance in a colorful and inviting manner! My kids are all visual learners (as am I!) and using color helps so much to make a subject feel less daunting and more engaging. I highly recommend for students with ADHD or Autism who might potentially need color and practical application!
Excellent, practical resource
Review by BuildingontheRock
Consumer Math by Katherine Hannon is a well rounded, attractive math curriculum for 9th-12th graders, although those having completed Math Lessons for a Living Education 6 would have the basic math skills to complete the course, especially if they have started earning any kind of money. Consumer Math is a necessary part of a student’s learning experience as he/she grows and begins to manage the monies God entrusts to him. In fact, Katherine’s careful inclusion of how God views money and what the Bible says about it is a highlight, answering a Biblical “Why” and “How” for its management. This course would be an excellent resource for engaged couples as they prepare for managing money in marriage or for anyone looking to learn how to better steward what God has entrusted to them. By the end of this course the student will know how to file income taxes, prepare a budget for living, do cost comparisons for small items (groceries) as well as cars/houses, understand investments, and prepare for a career. They will also know the biblical principles for how they should go about each decision. The information is presented in a colorful, attractive way, broken up into smaller visual bits that make it engaging and less intimidating. Both books need to be purchased to complete this math course. The Teacher Guide provides the consumable exercises and assessments that the student will need throughout the course. The Student Guide contains the material being taught, with appropriate examples and explanations.
Practical Math
Review by Barbara D
I am so excited to see this math come out. I was wondering how I was going to teach real world financial concepts from a Biblical perspective and Master Books exceeds my expectations again! Having been a business major, and a former bank teller, I was so excited to get my hands on this that I showed my husband right away. As he was looking at this books he said, "Where was this when we were in High School?"
Lots of practical tools for financial decisions such as calculating rent, college, even doing taxes. For example, little things about rent, needing a unit for 9 months and signing a one year lease for a lower monthly cost verses a higher monthly cost for no lease. do the math, which will cost more in the long run. How about if one unit covers utilities and another doesn't?
There was even a lesson on subscription services, that left me wondering how many subscription services am I using.
As a stand alone textbook it is good for an enrichment book for a parent. As a course, the Teacher Guide is needed (that's where the worksheets are).
I recommend it!
Amazing and practical
Review by Dustie
This course is very well done. It is filled with information every student needs prior to launching into the world. Some of the life skills covered are budgeting, prioritizing wants and needs, generous giving, and understanding taxes and interest. It is broken into digestible pieces of information, so the student is more likely to retain these essential skills. The daily work is thoughtfully designed with real world examples and scenarios. I really like the way it is organized, and I genuinely appreciate the emphasis on biblical wisdom that helps direct students to healthy financial choices.
Excellent
Review by LD
Consumer Math
This is one of the best resources that Master Books has put out for high school students to date.
It is well written with clear and concise information that allow students to see how math is applicable in so many ways in their lives right now but also preparing them for the future.
The Biblical worldview on how to use math for your finances as well as budgeting, investments and more, is fundamental in our lives as Christians since everything is the Lords, and this course really makes that very clear.
Whether your child needs this as a credit or not, I think every high school student needs to do this course to prepare them for the world once they graduate.

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