Modular Math: Money

Money

This unit of Modular Math (geared from Kindergarten–Grades 7 and 8) focuses on the basics of money and building a healthy view of it. Students are introduced to the different forms of currency, including coins and bills. Unique to this unit is the ability for foundations level learners to choose from an American or Canadian version to reduce confusion as they learn the different types of money. Levels 1–6 return to the regular single version. Concepts include adding, subtracting, saving, spending, tithing, and investing money. Beginning steps will learn about shopping, tax, receipts, and banks. Higher levels build on these concepts and further dive into the smart use of money, including credit, bankruptcy, assets, and fraud. Our spiral and mastery style program introduces basic money concepts and continues to reinforce them throughout the entire program.

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These are the main books in print and you will need one per student. Each step lasts about 5 weeks and contains a grade equivalent of content related to that topic. Spiral review is built in to all our levels as we explore multiple operations.

$10 each

These are the digital Skill Builders that have three extra practice sheets. They can be used for additional practice, reinforcement of concepts, or even to fill in gaps while you wait for your books to come. They are an instant download.

$1.95 each

Money Certificate

When you complete the unit, grab a certificate to celebrate your progress!

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Money Scope and Sequence

US Foundations

Module 1

What is money
Types of money
How to spend and save money
How to measure money
Hands-on activities: find wallets and banks at home, interview family about money, find "hidden" sources of money (heat, internet,
air-conditioning, electricity)
Identify pictures of money
Explore different types of money
Assess and share current knowledge of types of money
Bible: 1 Timothy 6:10; Matthew 6:33a
Money is important, but God is the most important
Circle and draw pictures to show the things your family spends money on
Choose things that cost money
Explain how you get money
Compare the relative cost of different objects

Module 2

Meet the cents
Cents have a value less than a dollar
Add cents together to make dollars
Read, understand, and write the symbol for cents
Read, write, and pronounce the word cents
Match cent values to the way they are pronounced
Write money values in cents
Bible: Luke 16:10
Responsibility with both small and large things
Use digits and symbols to write money values
Identify correct and incorrect prices

Module 3

Meet the penny
What a penny is and how it is made
Tell the value of a penny
Increase money value recognition
Concept in money: 100 pennies equal one dollar
Identify a penny (visually and by name)
Count pennies
Write the total value of a set of pennies
Correctly use the symbol for cent
Hands-on activity: find pennies around your home
Understand how pennies wear and show aging over time
Label pennies as old or new
Draw pictures to represent given money values
Bible: Luke 15:7
God never gives up on those that stray
Real-life application of pennies: shopping
Apply knowledge of pennies to solve word problems
Count by 1
Determine if you have enough money to purchase items
Identify correctly written prices

Module 4

Meet the nickel
What the nickel is and how it is made
Tell the value of a nickel
Increase money value recognition
Concept in money: 20 nickels equal one dollar
Identify a nickel (visually and by name)
Count nickels
Add and subtract nickels to determine the total amount
Write the total value of a set of nickels
Calculate the total value of sets of coins
Draw pictures to represent nickels
Skip count by fives
Bible: Ecclesiastes 4:9–10
We increase our value when we work together
Compare the relative size and value of different coins
Match word and digit representations of money values

Module 5

Meet the dime
What the dime is and how it is made
Tell the value of a dime
Increase money value recognition
Concept in money: 10 dimes equal one dollar
Identify a dime (visually and by name)
Introduction to the motto: "In God We Trust"
Count dimes
Add and subtract different types of coins to determine the total amount
Match digit and word form of money values
Write the total value of a set of dimes
Bible: Leviticus 27:30; Malachi 3:10
The importance of tithing
Explain the relative size of a dime
Compare the value of different coins
Draw pictures to represent dimes
Read price tags
Identify different coins by name
Match coins to their value
Apply knowledge of dimes to solve word problems

Module 6

Meet the quarter
What the quarter is and how it is made
Tell the value of a quarter
Increase money value recognition
Compare the front (heads) and back (tails) sides of a quarter
Concept in money: 4 quarters equal one dollar
Identify a quarter (visually and by name)
Add and subtract different types of coins to determine the total amount
Count quarters
Explain the relative size and value of a quarter
Draw pictures to represent quarters
Write the value of a quarter
Bible: Proverbs 3:5–6
God is in control and has a plan
Trust in God's guidance
Compare the size and value of different coins

Module 7

Meet the dollar
What the dollar is and how it is made
Read, understand, and write the symbol for dollar
Tell the value of a dollar
Concept in money: one dollar equals 100 pennies
Identify a dollar (visually and by name)
Observe images found on the dollar
Match dollar values with the way they are pronounced
Hands-on activities: find dollars around your home
Bible: Matthew 6:19–20
Things of this world don't last, but heavenly things do
Draw pictures to represent quarters
Write the value of a dollar
Apply knowledge of dollars to solve word problems
Add and subtract dollars to determine the total amount
Count dollars
Match symbols used in money
Explain the relative size and value of a dollar

Module 8

Wants vs. needs
Determine which things are wants and which are needs
How to decide if something is needed or wanted
Explain rationale behind items chosen as needs
Real-life application: purchasing only needed items
Hands-on activity: label items from around your home as wants or needs
Apply knowledge of wants and needs to solve word problems
The importance of saving money for wants
Describe a want of yours to someone else
Bible: Philippians 4:19
God supplies all of your needs
Draw pictures to represent wants and needs

Module 9

Saving money
Reasons for saving money
How to save money
Hands-on activity: make a piggy bank
Identify more valuable items
Draw pictures to represent an item you will save for
Make a goal and create steps to achieve it
Track progress toward a goal
Use a visual aid to track progress
Read, write, and understand the word save
Bible: Exodus 20:3–4
James 1:17
Deuteronomy 8:18
Caution against allowing money to become an idol
Praise God for His blessings
Choose items that would require saving to purchase
Explain your rationale to others
Add money
Apply knowledge of spending money to solve word problems
Compare the amount earned from big and small jobs

Module 10

Spending money
Understand the term savings
Tips to follow when spending money at a store
Arrange money in order from least to greatest
Hands-on activity: use play money to run a pretend store
Add different money amounts to find the total cost
Assign prices to items in your store
Read price tags
Bible: Proverbs 3:9
Pass your blessings on to others
Be intentional with your money
Determine what you can purchase with a set amount of money
Review of money

Canadian Foundations

Module 1

What is money
Types of money
How to spend and save money
How to measure money
Hands-on activities: find wallets and banks at home, interview family about money, find "hidden" sources of money (heat, internet,
air-conditioning, electricity)
Identify pictures of money
Explore different types of money
Assess and share current knowledge of types of money
Bible: 1 Timothy 6:10; Matthew 6:33a
Money is important, but God is the most important
Circle and draw pictures to show the things your family spends money on
Choose things that cost money
Explain how you get money
Compare the relative cost of different objects

Module 2

Meet the cents
Cents have a value less than a dollar
Add cents together to make dollars
Read, understand, and write the symbol for cents
Read, write, and pronounce the word cents
Match cent values to the way they are pronounced
Write money values in cents
Bible: Luke 16:10
Responsibility with both small and large things
Use digits and symbols to write money values
Identify correct and incorrect prices

Module 3

Meet the nickel
What the nickel is and how it is made
Tell the value of a nickel
Increase money value recognition
Concept in money: 20 nickels equal one dollar
Identify a nickel (visually and by name)
Count nickels
Add and subtract nickels to determine the total amount
Write the total value of a set of nickels
Draw pictures to represent nickels
Skip count by fives
Apply knowledge of nickels to solve word problems
Determine if you have enough money to puchase items
Bible: Ecclesiastes 4:9–10
We increase our value when we work together
Match word and digit representations of money values

Module 4

Meet the dime
What the dime is and how it is made
Tell the value of a dime
Increase money value recognition
Concept in money: 10 dimes equal one dollar
Identify a dime (visually and by name)
Add and subtract different types of coins to determine the total amount
Count dimes
Write the total value of a set of dimes
Match money values from digits to written word
Bible: Malachi 3:10; Leviticus 27:30
The importance of tithing
Explain the relative size of a dime
Compare the value and size of different coins
Count to 10
Draw pictures to represent coins
Read price tags
Identify different coins by name
Apply knowledge of dimes to solve word problems

Module 5

Meet the quarter
What the quarter is and what it is made of
Tell the value of a quarter
Increase money value recognition
Compare the front (heads) and back (tails) of a quarter
Concept in money: 4 quarters equal one dollar
Identify a quarter (visually and by name)
Add and subtract different types of coins to determine the total amount
Count quarters
Explain the relative size and value of a quarter
Draw pictures to represent quarters
Write the value of a quarter
Bible: Proverbs 3:5–6
God is in control and has a plan
Trust in God's guidance
Compare the size and value of different coins

Module 6

Meet the dollar
What the dollar is and how it is made
Read, understand, and write the symbol for dollar
Tell the value of a dollar
Explain the nickname "loonie"
Concept in money: one dollar equals 100 pennies
Identify a dollar (visually and by name)
Observe images found on the dollar
Match dollar values with the way they are pronounced
Hands-on activities: find dollars around your home
Compare the size and value of different coins
Bible: Matthew 6:19–20
Things of this world don't last, but heavenly things do
Draw pictures to represent quarters
Write the value of a dollar
Apply knowledge of dollars to solve word problems
Add and subtract dollars to determine the total amount
Count dollars
Match symbols used in money

Module 7

Meet the toonie
What the toonie is and how it is made
Compare paper and coin money
Tell the value of a toonie
Explain the nickname toonie
Concept in money: one toonie equals two loonies
Identify a toonie (visually and by name)
Observe images found on the toonie
Add and subtract coins to determine the total amount
Count toonies
Explain the relative size and value of a toonie
Skip count by twos
Hands-on activities: find toonies around your home and calculate their total value
Compare the size and value of different coins
Bible: Matthew 6:21
Store up heavenly treasures
Apply knowledge of toonies to solve word problems

Module 8

Wants vs. needs
Determine which things are wants and which are needs
How to decide if something is needed or wanted
Explain rationale behind items chosen as needs
Real-life application: purchasing only needed items
Hands-on activity: label items from around your home as wants or needs
Apply knowledge of wants and needs to solve word problems
The importance of saving money for wants
Describe a want of yours to someone else
Bible: Philippians 4:19
God supplies all of your needs
Draw pictures to represent wants and needs

Module 9

Saving money
Reasons for saving money
How to save money
Hands-on activity: make a piggy bank
Identify more valuable items
Draw pictures to represent an item you will save for
Make a goal and create steps to achieve it
Track progress toward a goal
Use a visual aid to track progress
Read, write, and understand the word save
Bible: Exodus 20:3–4; James 1:17; Deuteronomy 8:18
Caution against allowing money to become an idol
Praise God for His blessings
Choose items that would require saving to purchase
Add money
Apply knowledge of spending money to solve word problems
Compare the amount earned from big and small jobs

Module 10

Spending money
Understand the term savings
Tips to follow when spending money at a store
Arrange money in order from least to greatest
Hands-on activity: use play money to run a pretend store
Add different money amounts to find the total cost
Assign prices to items in your store
Read price tags
Bible: Proverbs 3:9
Pass your blessings on to others
Be intentional with your money
Determine what you can purchase with a set amount of money
Review of money

Step 1

Module 1

Understanding money
Compare goods and services
Why money is valuable and how to earn it
Read, understand, and use the terms dollar and cent
Read, understand, and use symbols for dollar and cent
Label things as a good or a service
Identify different types of money visually and with words
Hands-on activity: find and teach about different kinds of money, interview a family member about money habits, go on a scavenger hunt for "hidden" money
List and discuss things that cost money
Bible: Genesis 2:15; Ecclesiastes 9:10
Looking at hard work as a blessing
Compare the relative worth of objects
Choose the more expensive object from a set
Draw pictures to represent things that cost money
Sort items as wants or needs

Module 2

Pennies
What a penny is and how it is made
Tell the value of a penny
Increase money value recognition
Concept in money: 100 pennies equal one dollar
Skip count by two, five, or ten
Add in increments of one
Identify a penny (visually and by name)
Features of a penny
Hands-on activity: find pennies around your home and observe their features
Count pennies
Draw pictures to represent pennies
Write the total value of a set of pennies
Bible: Matthew 10:29–31; Jeremiah 29:11
Even the smallest things have great value to God
Apply knowledge of pennies to solve real-life-scenario word problems
Add and subtract to calculate the total amount of money

Module 3

Nickels
What a nickel is and how it is made
Tell the value of a nickel
Increase money value recognition
Concept in money: 20 nickels equal one dollar
Skip count by 5
Identify a nickel (visually and by name)
Features of a nickel
Introduction to E pluribus unum
Hands-on activity: find nickels around your home and observe their features
Review of place value
Count nickels
Add and subtract different coins to calculate the total value
Draw pictures to represent coins
Write the total value of a set of nickels
Solve vertical and horizontal addition problems
Bible: Proverbs 3:5; Isaiah 55:8
We can trust God completely
God is in control
Write money values with the cent symbol
Apply knowledge of nickels to solve word problems
Use visuals to solve problems with money values

Module 4

Dimes
Tell the value of a dime
Review of place value
Increase money value recognition
Concept in money: 10 dimes equal one dollar
Skip count by 10
Identify a dime (visually and by name)
Features of a dime
Count dimes
Use visuals to solve problems with money values
Write the total value of a set of dimes
Add and subtract different coins to calculate the total value
Solve vertical addition problems
Apply knowledge of dimes to solve word problems
Write money values using the cent symbol
Bible: Leviticus 27:30
The importance of giving back to God
Draw pictures to solve addition problems with coins

Module 5

Quarters
Introduce the fraction 1/4 and parts of a whole
Introduce the terms a quarter past and a quarter to
Real-life application of quarters: time and food
Parts of a whole dollar
Tell the value of a quarter
Increase money value recognition
Concept in money: four quarters equal one dollar
Identify a quarter (visually and by name)
Features of a quarter
Hands-on activity: find quarters in your home and observe their images and phrases
Solve vertical addition problems
Add and subtract different coins to calculate the total value
Use visuals to solve problems with money values
Write money values using the cent symbol
Count quarters
Determine if you have enough money to purchase items
Apply knowledge of quarters to solve word problems
Bible: Joshua 24:15
Serve and follow God boldly
Draw pictures to represent quarters
Label coins by name
Compare the relative size and value of coins
Choose the correct coins to pay with
Demonstrate knowledge of quarters

Module 6

Comparing values
Read, understand, and write symbols for greater than, less than, equal to
Compare two digits with a greater than, less than, or equal to symbol
Label numbers in a set as larger or smaller
Use greater than, less than, or equal to symbols to compare coins
Draw pictures to represent equal values
Bible: 1 Samuel 16:7
God sees our true inner value
Identify values as more or less
Apply knowledge of comparing values to solve word problems
Introduction to algebraic thinking
Finding equivalent values

Module 7

Making a dollar
Concept in money: smaller values added together make larger amounts
Skip count by 5s and 10s
Identify a dollar bill
Make a dollar with smaller coins
Add and subtract to make a dollar
Observe and discuss features of the dollar bill
Separate dollar and cent values with a decimal
Read, add, and write money values
Count coins and bills
Demonstrate understanding of the relative value of different coins
Apply knowledge of making a dollar to solve word problems
Write money values using dollar signs and decimals
Bible: 1 Corinthians 12:12
Gathering together as one body allows us to work together for God's purpose
Parts of a whole
Comparing quarters and fractions
Color pictures to represent parts of a dollar
Identify sets of coins that equal a dollar

Module 8

Meet the bills
Introduction to the $5, $10, and $20 bills
What bills are and how they are made
Read and understand the term note
Observe features on the front and back of different bills
Identify different bills (visually and by name)
Hands-on activity: find different bills around your home and look for special features of each
Write the value of bills with a dollar symbol and decimal
Add zeros to represent no cents
Compare the value of different bills with greater than, less than, or equal to symbols
Explore the relationship between different bills
Add whole dollar amounts
Bible: Acts 9:1–22; 1 Timothy 1:15–16
The story of Paul
God offers mercy to everyone
Solve vertical addition problems with money values
Apply knowledge of money to solve word problems

Module 9

Saving money
Ways to save money
How to be a good steward of money
Steps to take to be wise with money
Determine which places are safe or unsafe to keep money
Choose ways to handle money in real-life scenarios
Demonstrate understanding of saving money
Bible: Proverbs 4:23
The importance of guarding your heart
Draw pictures to represent safe keeping of money
Match stewards with the things they manage
Apply knowledge of saving money to solve word problems
Subtract to calculate how much money must be saved
Make decisions based on real-life scenarios and justify the reasoning

Module 10

Shopping 101
Important knowledge about shopping
How to read a receipt
Information included on a receipt: tax, subtotal, total, payment method, paid, change, date
Find prices listed on a receipt
Answer questions by reading a receipt
Real-life scenarios: shopping
Bible: Proverbs 21:5
Make wise decisions with money
Identify the most expensive item
Determine if you will receive change
Demonstrate knowledge of shopping and paying for items

Step 2

Module 1

Introducing money
Real-life applications of money math: shopping and calculating change
Where and how money is printed
Bureau of Engraving and Printing
Identify coins and bills (visually and by name)
Tell the value of different bills from $1–$20
Compare the relative value of coins
Add and write money values
Discuss legal and moral issues with handling money
Bible: Matthew 6:19–20
Earthly treasures will not last, but heavenly ones will
Match coins to their value
Skip count by 5 and 10
Apply knowledge of money to solve word problems and real-life scenarios

Module 2

Writing and reading money
Read, understand, and write money values with dollar signs and symbols
Understanding money
Match groups of coins to their total written value
Demonstrate understanding of how to make specific amounts of money with coins and bills
Add missing symbols
Identify correctly written money values
Bible: Psalm 119:105
Steps to gain understanding from the Bible
Add bills and coins to calculate the total value
Read money amounts aloud
Match the word form of money to its number form

Module 3

Adding money
Read, write, and solve vertical addition problems with money values
How to line up decimals
Add zeros as placeholders
Steps for solving a vertical addition problem with decimals
Rewrite horizontal addition problems vertically
Create number sentences to calculate the value of a collection of coins and bills
Match coins and their total sums
Apply knowledge of adding money to solve word problems and real-life scenarios
Bible: Matthew 6:33
God provides everything you need
Identify correctly written equations and explain the reasoning
Write addition equations with decimals
Recognize different money amounts being added together in a vertical addition equation

Module 4

Comparing money
Read, understand, and use symbols for greater than, less than, equal to
Demonstrate understanding that money can be worth more or less
Compare the relative value of money
Using visuals in math: the wide mouth points to the bigger value
Apply knowledge of comparing money to solve word problems and real-life scenarios
Calculate the total value of groups of coins
Add different coins together to find the sum
Order mixed money amounts from least to greatest
Bible: Proverbs 15:16; Mark 12:30
Nothing is worth more than God
Solve vertical addition problems with money values
Identify the smaller amount of money in a set
Solve math puzzles with money amounts

Module 5

Subtracting money
Solve vertical subtraction problems with money values
Steps to solve vertical subtraction problems
Use regrouping to solve subtraction problems
Review of place value
Visual strategies in math: highlighting and color coding
Rewrite horizontal money subtraction problems vertically
Apply knowledge of subtracting money to solve word problems and real-life scenarios
Bible: 1 Timothy 6:18
God wants us to use our blessings to bless others
Identify correctly and incorrectly written subtraction equations
Explain your reasoning
Create a subtraction equation to find the answer to a word problem
Use bills and coins to solve math problems

Module 6

Larger bills
Features on the front and back of $50 and $100 bills
Ways to prove authenticity: serial number, color shifting ink, watermark
Identify and write the value of bills
Demonstrate understanding of the relative worth of bills
Match people to the bill on which they appear
Add and subtract large money values
Discuss the importance of safety features on larger bills
Bible: 1 Timothy 6:10; Philippians 4:19
The Bible's warnings against the love of money
Combine bills to make larger dollar values
Read and use receipts to solve subtraction problems
Apply knowledge of larger bills to solve word problems and real-life scenarios

Module 7

Good stewardship
Read, understand, and explain the term stewardship
Real-life examples of being a steward
Asking God for direction with money
Reflect on how you spend your money
Choose real-life scenarios that demonstrate good stewardship
Comparing wants with needs
Apply knowledge of good stewardship to solve word problems and real-life scenarios
Bible: Proverbs 13:11
Becoming a good steward happens over time with practice

Module 8

Guess the price
How to tell the value of things
Comparing the quality of items
Pros and cons of cheap and expensive items
Identify the more valuable item in a set
Choose the value of items
Discuss real-life scenarios about the value of items
Apply knowledge of value and quality to answer word problems and real-life scenarios
Respond to real-life choices about quality and value
Bible: James 1:5
God gives wisdom generously
Compare the relative value of items

Module 9

Borrowing money
Read, understand, and define the term borrow
Pros and cons of borrowing money
Real-life examples of borrowing money: draw something you want and calculate how much you would need to borrow to buy it today
List ways to make money to repay a loan
Discuss whether borrowing money is worth it
Make decisions about real-life borrowing scenarios
Bible: Romans 6:23; Matthew 18:21–35
Jesus has paid our debts
Apply knowledge of borrowing money to answer word problems and real-life scenarios
Create and solve subtraction equations to calculate loan amounts
Calculate how long it takes to repay borrowed money

Module 10

What is tax
Introduction to taxes
Explain what taxes pay for
Different types of taxes
Real-life application of tax: shopping
Add to calculate the total cost
Read and use receipts to solve problems
Demonstrate understanding of subtotal, tax, total
Subtract to calculate the amount of tax
Bible: Romans 13:6
Respecting those in charge also honors God
Apply knowledge of tax to solve word problems and real-life scenarios

Step 3

Module 1

Converting cents to dollars
Concept in math: 100 cents equals one dollar
How to move decimal places
Convert cents to dollars
Write money values as both cents and dollars
Match cents to the dollar equivalent
Apply knowledge of converting cents to dollars to solve word problems
Bible: Matthew 17:20
Small acts add up and make a big impact
Identify equivalent amounts of money

Module 2

Speaking money
Different ways to describe amounts of money
Identify the faster way to say an amount of money
Slang terms used for money: grand, bucks, K, dough, moola, bread
When to use the proper term
Match amounts of money to the correct nickname
Apply knowledge of speaking money to solve word problems
Abbreviate money amounts
List other alternative words for money you are familiar with
Bible: Matthew 16:15
The many nicknames of Jesus
Identify incorrectly used slang terms for money
Use nicknames of money to solve subtraction problems

Module 3

Adding money
Review of place value
How to line up vertical addition problems with decimals
Strategies to use in math: grids
Add money values with regrouping
Identify addition problems that are lined up correctly and incorrectly
Rewrite horizontal equations as vertical ones
Find digits by place-value location
Solve vertical addition problems with decimals and regrouping
Apply knowledge of adding money to solve word problems and real-life scenarios
Bible: Philippians 4:19; 1 Timothy 6:10
Trust that God will provide for all needs
Add money values to calculate the total cost

Module 4

Subtracting money
How to line up vertical subtraction problems with decimals
Subtract money values with regrouping
Subtraction clues in word problems: how much more, how much less, how much is left
Identify vertical subtraction problems with decimals that are and are not lined up correctly
Rewrite incorrect subtraction problems correctly
Write missing dollar signs and decimal points
Apply knowledge of subtracting money to solve word problems and real-life scenarios
Bible: Hebrews 12:1; John 14:23
Subtracting things from your life to walk more closely with God
Create subtraction equations based on word problems
Write horizontal subtraction problems as vertical ones

Module 5

All about receipts
Examples of what is listed on a receipt: store information, date, time, purchases, subtotal, tax, total, payment method
Why receipts matter
Label and identify information on a receipt
Tracking expenses
Hands-on activity: review and compare real receipts at home
Use receipts to answer questions
Explain why you might need a receipt
Bible: Matthew 7:20
Galatians 5:22–23
The fruit of the spirit
Showing others the fruit in your life
Apply knowledge of receipts to solve word problems and real-life scenarios

Module 6

Understanding value
Cheap vs. expensive
Compare the value of different objects
Value can vary depending on viewpoint
Order items from least to most expensive
Assign the correct value of items
Identify whether a price should be lower or higher
Personal reflection: your recent purchases
Apply knowledge of value to answer word problems and real-life scenarios
Bible: 1 Timothy 6:6–8
Contentment is worth more than expensive items
What do you value
Understand the relative value of items
Explain why one item may be cheaper than another
Label items as cheap or expensive

Module 7

Money word problems
Real-world money scenarios
How to solve word problems
Keywords for adding and subtracting in word problems
Add dollar signs and decimal points when writing money values
Determine whether problems require adding or subtracting
Strategies in math: highlighting and underlining key words
Match equations with word problems
Solve addition and subtraction word problems with money
Bible: John 6:13; Matthew 19:26
Jesus feeds the 5,000
God is able and willing to help

Module 8

Understanding payment methods
Similarities and differences between cash, debit cards, credit cards
Hands-on activity: find and observe different payment methods
Linking payment methods to a phone
Explain cash, credit, debit
Apply knowledge of payment methods to answer word problems and real-life scenarios
Choose likely and unlikely payment methods
Discuss debit cards
Bible: John 3:16; Romans 3:23; Romans 6:23; John 19:30
Jesus paid the ultimate price for us

Module 9

Receiving credit
How store credit works
Paying with credit vs. receiving credit
Real-life application of receiving credit: making a return at the store; gift cards
Identify who is receiving money or spending money
Apply knowledge of receiving credit to answer word problems and real-life scenarios
Add and subtract to calculate a store credit balance
Discuss using store credit
Bible: Titus 3:5
We can get a second chance to have sins erased
God offers grace
Define receiving credit and paying with credit
Purchasing credit on games with real money

Module 10

Intro to banks
Banks manage accounts
The different parts of a bank: ATM, lobby, tellers, offices, vault, drive-through
Hands-on activity: visit a local bank
Apply knowledge of banks to answer word problems and real-life scenarios
Demonstrate knowledge of what each part of a bank does
What is stored in a safe deposit box
Bible: Philippians 4:19
God is able to supply every need
Replenish your spiritual bank account
Add money to calculate a total deposit

Step 4

Module 1

Savings vs. checking
Compare the differences between checking accounts and savings accounts
Spending vs. saving
Explain the purpose of savings and checking accounts
Identify the correct account used in real-life scenarios
Personal application: what would you use a savings account for
Bible: Proverbs 21:20
Growing with God takes investment
Develop healthy habits with money
Using a debit card
Apply knowledge of savings and checking accounts to answer word problems and real-life scenarios

Module 2

Account security
How to create a secure PIN
Real-life applications of using a PIN: making purchases, taking out money, going to the bank
Identify guidelines that keep a PIN secure
Create a secure and not-secure PIN
Choose the most secure PIN options
How to keep a PIN private
Apply knowledge of account security to solve word problems and real-life scenarios
Discuss what to do in case of fraudulent account activity
Bible: 1 Peter 5:8; John 10:10; 1 John 4:4; Isaiah 54:17; Romans 8:37; 1 Corinthians 15:57; Philippians 4:13
How to use scripture to stand strong against the enemy
Explain what makes an online password secure

Module 3

Fees and interest
What are fees and interest
How fees and interest affect you
Different types of fees charged by banks
Identify times the bank takes money from and gives money to the consumer
Exchanges of money at a bank
Locate information on a balance sheet
Demonstrate understanding of fees and interest by responding to questions
Apply knowledge of fees and interest to solve word problems and real-life scenarios
Explain discrepancies in bank accounts
Reflect on personal opinions of banking options
Bible: Colossians 3:23–24; Matthew 25:34
Faithfulness in hard work over time leads to rewards
List fees charged by a bank
Multiply to calculate yearly interest earned
Add to calculate total fees
Define the terms fees and interest

Module 4

Checks
What is a check
How to use and cash checks
Compare cashing a check in person and online
Checkbooks
Fill out missing information on a check
Apply knowledge of writing checks to answer real-life scenarios
Write the date in digit form
Demonstrate understanding of memo lines on a check
Write your signature
Bible: Psalm 19:7; Psalm 19:11
The importance of following specific instructions
The Bible provides perfect instruction
Locate information listed on a check
Identify incorrectly written dates
Change dollar amounts to word form
Real-life application of using checks: making purchases

Module 5

Bouncing checks
Explain NSF (non-sufficient funds) fees
Effects of bouncing a check
Expiry of checks
Why some places don't accept checks
Apply knowledge of bouncing checks to answer word problems and real-life scenarios
Determine if checks will be accepted by a bank
Bible: Luke 16:10
Being faithful and trusted with small matters and large ones
Add and subtract to calculate available funds
Demonstrate understanding of balancing a bank account and how to prevent bouncing checks

Module 6

All about banks
Different types of transactions at a bank
The different parts of a bank: ATM, lobby, drive-through
Safety practices at a bank
Hands-on activity: visit a local bank
Demonstrate knowledge of what each bank feature does
Apply knowledge of banks to answer word problems and real-life scenarios
Bible: Psalm 119:11
Store the word of God safely in your heart
List and explain jobs at a bank
Order the steps of withdrawing cash from an ATM
Add money to calculate a despoit

Module 7

Making a deposit
How to put money in your account
Understand and apply knowledge of the parts of a deposit slip
Fill in missing information on a deposit slip
Add and subtract to calculate how much money will be deposited
Compare paper checks and automatic deposit
Discuss different methods of depositing money
Bible: James 4:8
Make daily deposits into your spiritual walk with God
How to intentionally lay aside time for God
Apply knowledge of bank deposits to answer word problems and real-life scenarios
Use a calculator to add money values

Module 8

Spending money
Different ways to take money out of the bank: withdrawal, transfer, card
Order the steps of making a withdrawal from an ATM
Read receipts to determine account balances
Subtract to calculate new account balances
Determine which type of withdrawal to use in real-life scenarios
Apply knowledge of spending money to answer word problems and real-life scenarios
Discuss the importance of keeping up with expenses
Bible: Acts 20:35
The benefits of giving to others

Module 9

Electronic banking
Banking activities handled online: deposit checks, transfer money, online orders, check your balance, pay bills, receive alerts
Discuss in-person banking vs. online banking
Apply knowledge of electronic banking to answer word problems and real-life scenarios
Use a calculator to add online purchases
Reflect on the importance of suspicious account activity alerts
Bible: Jeremiah 29:12
We have constant access to God
Order the steps for depositing a check online
Answer questions based off an electronic banking screen
The importance of online banking alerts

Module 10

Meet the statement
How to track your spending with a statement
Infomation included on a bank statement: dates, personal information, transactions, final summary
Hands-on activity: review a bank statement
Visual strategies in math: color coding and highlighting
Use a bank statement to locate information
Bible: 2 Corinthians 13:5a
What your spiritual "transactions" say about your relationship with God

Step 5

Module 1

Introducing money
Connection between the value of money and time
Security features included on bills
Read, understand, and use the terms counterfeit and cash
Legal concerns of destroying, defacing, coping, or printing money
Compare differences between bills
Design your own $1,000 bill
Read interesting facts about money and respond to them
Bible: Luke 12:48
Use what God has entrusted to you for His will and glory alone
Reflect on working for the Bureau of Engraving and Printing
Compare lifespans of larger and smaller bills
Apply knowledge of money to solve word problems and real-life scenarios
Add and subtract money values

Module 2

Saving and investing
Savings accounts
Reasons for saving a portion of your money
Understand unexpected expenses
Recommendation of saving 20 percent of money
Ways to save and invest money
Discuss your family's saving plan
Emergency funds
Multiply percentages to calculate savings goals
Bible: Matthew 25:14–30; 1 Peter 4:10
The use of parables by Jesus
Use your gifts from God to invest in, serve, and lead others to Christ
Subtract to calculate investment gains
Make decisions based on real-life scenarios and justify your rationale
Apply knowledge of saving money to solve word problems
Calculate savings goals

Module 3

Interest Part 1
Read, understand, and solve problems relating to interest
Define interest, appreciate, depreciate
Concept: value can appreciate or depreciate
List items that lose value and gain value over time
Calculate interest using decimals and percentages
Determine who is earning interest in real-life scenarios
Bible: Matthew 13:44
The parable of the talents
Giving up things for the kingdom of heaven
Compare accounts with different interest rates

Module 4

Interest Part 2
How interest is calculated
Compound vs. simple interest
Define compound and simple interest
Differences between earning and being charged interest
Calculate interest and total amount owed in real-life scenarios
Determine the better choice of interest
Choose between borrowing and investing money
Bible: 2 Peter 3:18
How to invest in your spiritual life
Multiply by decimals and percentages
Make decisions about borrowing money in real-life scenarios
Justify your reasoning

Module 5

Wise spending
What is an expense
Steps for being purposeful with finances: create a budget, research, find deals, ask questions
Demonstrate understanding of impulse purchasing
Identify expenses as necessary or optional
Make decisions about real-life money scenarios
Bible: James 1:5; Proverbs 3:13–14
God is the source of wisdom
Apply knowledge of wise spending to solve word problems
Determine whether spending decisions are wise or poor and explain why
Reflect on personal spending habits

Module 6

Multiplying money
Steps to multiply with decimals
Similarities between multiplying with decimals and multiplying with money
How to place the decimal in your answer
Solve multistep, multiple-digit multiplication problems
Round to the nearest cent
Fill in missing decimals
Use information from a word problem to set up and solve a multiplication equation with money values
Apply knowledge of multiplying money to answer questions about real-life scenarios
Bible: 2 Corinthians 9:6; Colossians 3:23
Working hard can lead to multiplied rewards
Identify and correct errors in multiplication problems
Determine the number of decimal places in multiplication problem answers

Module 7

Dividing money
Use long division to solve problems with decimals
Real-life application of dividing money: splitting a bill at a restaurant
Follow steps to solve division problems with money and decimals
Fill in missing dollar signs and decimals
Use a calculator to solve division problems with money values
Bible: 2 Corinthians 8:13
Balance using your resources to spend on what you need, give to bless others, save for later
Apply knowledge of dividing money to solve word problems and real-life scenarios
Identify incorrectly solved division problems

Module 8

Sales tax
What is sales tax and where does it go
Real-life application: determine if you have federal, state, provincial, county, city sales tax
Convert percents to decimals
Calculate sales tax with and without a calculator
Add sales tax to price to determine final cost
Apply knowledge of sales tax to solve word problems and real-life scenarios
Read receipts to identify and calculate subtotal, sales tax, total cost
Visual strategies in math: highlighting and color coding
Bible: Matthew 22:21; James 1:17
How to convert percents to decimals
What the Bible says about paying taxes
Tithing
Identify incorrectly solved conversions

Module 9

Discounts
Real-life scenarios of discounts
How to calculate a discount
Convert percents to decimals
Use multiplication and division to determine a discount
Calculate discounts (5, 10, 20, 30 percent)
Demonstrate understanding of the concept that 50 percent equals half
Bible: Ephesians 2:8–9
Comparison of unexpected discounts and grace
Apply knowledge of discounts to solve word problems and real-life scenarios
Calculate cost after discount
Compare discounts to choose the best deal

Module 10

Are you being played?
Tactics used to influence what you buy
Understanding ads and time pressure
Identify the message advertisements send
Determine whether real-life scenarios are wise choices
Create an advertising plan to entice buyers
Hands-on activity: look for selling strategies at the store
Discuss selling strategies and their effectiveness
Bible: Romans 12:2
Make spending decisions that are wise and honor God
Questions to ask before making a purchase
Explain how to make a wise purchase
Apply knowledge of wise spending decisions to respond to word problems and real-life scenarios

Step 6

Module 1

Building a healthy view of money
How advertisers impact our view of money
Reflect on and explain your current relationship with money
Analyze different slogans and determine how they persuade consumers
Identify whether buying motivations are healthy or unhealthy
Create a healthier mindset
Bible: James 1:5;Matthew 6:24; 1 Timothy 6:10; Hebrews 13:5; Proverbs 3:9; Deuteronomy 8:18; Ecclesiastes 5:10; Matthew 6:1–4
Handle money carefully without making it an idol
What the Bible says about money
Match companies to their advertising slogans
Reflect on real-life scenarios and impulse purchases
Decide what you would do with extra money
List things you are thankful to God for

Module 2

Budgeting Part 1
What a budget is and how to create one
Steps to follow when creating a budget
Track your spending to see where money is going
Common expense categories included on a budget
Assess spending habits
Set a saving goal
Bible: Proverbs 21:5
Make a wise plan for your money
Explain how budgeting cultivates a healthy view of money
Sort receipts into budget categories
Modify spending habits
Become familiar with tracking money
Apply knowledge of budgeting to solve word problems
Add money values to calculate spending over time

Module 3

Budgeting Part 2
Steps to follow when creating a budget
Identify your income and expenses
Differentiate between fixed and variable expenses
Reflect on how well you control your money
Understand different methods for organizing expenses
Create a mock budget
How to include online tools in budgeting
Review a budget and modify it for the future
Bible: Hebrews 12:11
Sticking to a budget can be painful initially but can help you grow in financial peace and self control
Add expenses to create a total budget amount
Sort expenses into the correct category
Apply knowledge of budgets to solve real-life scenarios and word problems

Module 4

Wasting money
Understand the impact of making fast decisions
How impulsivity can waste money
Define the terms impulse purchase and buyer's remorse
Questions to ask to reduce impulse purchases
Reflect on how small behaviors can add up
Determine if money-related decisions are wise or unwise
Describe experiences after buyer's remorse
Review and label recent purchases as wants or needs
Modify a budget based on unnecessary wants
Understand the effect dopamine has on mood
Bible: Luke 16:10
Spending wisely shows God you can be trusted and relied upon to make good decisions
Weigh the pros and cons of making a purchase
Apply knowledge of wasting money to solve word problems and everyday scenarios
Explain how advertisements can increase impulse buying and buyer's remorse
Add spending totals with a calculator
Read and use receipts to make spending decisions

Module 5

All about tax
Overview of different types of taxes
The role of government in tax
What taxes are used for
Use the percent button on a calculator
Multiply to determine tax with and without a calculator
Convert percentages to decimals
Hands-on activity: Learn about taxes where you live
Explain and discuss your thoughts on taxes
Read receipts
Calculate sales and property taxes
Solve vertical multiplication problems
Bible: Matthew 22:21
Romans 13:6–7
Paying taxes honors God
Apply knowledge of calculating taxes to solve word problems and everyday scenarios
Compare costs with different amounts of tax

Module 6

All about credit
Different definitions of credit
Compare cash and credit
Understand and describe APR
Pros and cons of using credit
Careful use of credit
Real-life examples of using credit: credit cards, car loans, mortgages
Hands-on activity: interview family about their credit cards and loans
Calculate the amount of yearly interest due
List types of credit
Compare loan options and choose the least costly
Multiply percentages as decimals
Solve vertical multiplication problems
Apply knowledge of credit to solve word problems and everyday scenarios
Explain how to use a credit card responsibly
Bible: Proverbs 22:7
God doesn't want us to carry the burden of owing money
Ask God to help you live within your means and spend money wisely
Solve multiplication problems with and without a calculator
Determine the total amount of interest paid over the life of a loan
Justify whether purchases are good or bad decisions

Module 7

Credit ratings
Demonstrate understanding of the terms credit rating, credit limit, and lender
Steps for having a good credit rating
Make decisions about real-life credit scenarios
Explain how credit scores can be impacted
How to improve poor credit
Understand how credit limits are created
Set spending goals of 30 percent or less of a credit limit
Multiply with decimals to calculate interest and payments
Bible: Proverbs 22:1
What your reputation says about you
Rank credit scores from lowest to highest
Use visual aids to explain credit scores
Make lending decisions based on credit scores
Determine and justify whether spending decisions are wise
Practice using a calculator to determine percentages of available credit

Module 8

Assets and liabilities
Information a bank reviews prior to approving a loan
Understand meaning of the terms: assets, liabilities, collateral
Define gross and net income
Compare and make decisions based off of different financial files
How assets and liabilities impact you financially
Risky borrowers vs. safe borrowers
Real-life application of assets and liabilities
Explain how income and credit impact loan approvals
Bible: Romans 6:23; John 8:36
Sin is a liability, but Jesus grants us the asset of grace
Describe the difference between liabilities and assets
List examples of liabilities and assets
Apply knowledge of assets and liabilities to solve real-life scenarios and word problems
Justify the reasoning behind higher or lower credit limits, approvals, APR

Module 9

Bankruptcy
Understand the term bankrupt
What criteria must be met to declare bankruptcy
How to file for bankruptcy
Pros and cons of filing bankruptcy
Which debts qualify for cancellation
Real-life consequences of bankruptcy
Tactics used by collection agencies
Reflect on the personal impact of bankruptcy
Alternative ways to avoid bankruptcy
Bible: 1 John 1:9; Hebrews 8:12; Psalm 103:12
Our sins are forgiven by Jesus once and for all
Explain the stages of bankruptcy
Make wise financial decisions based on real-life scenarios

Module 10

Fraud
Understand the term credit card fraud
Ways identity can be stolen
Information to be protected (name, birthdate, address)
Examples of fraud
Common tools used by scammers
Follow tips to avoid being scammed
Identify potential red flags in messages
Define credit card fraud
List ways to defend yourself against fraud
Reflect on real-life scenarios involving fraud and scams
Reseach credit card fraud tactics where you live
Bible: Proverbs 11:1
God calls us to be honest
Discuss the increase of scams during tax season and how to navigate them
Explain the danger of scams on social media and precautions to take

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