Consumer Math BJUP, second edition

MathGrades 11–12

About This Curriculum

A practical personal finance course that teaches students to handle money through a biblical stewardship lens, covering budgeting, taxes, banking, insurance, and major purchases.

What makes it unique: Combines practical financial math skills with biblical stewardship principles, emphasizing how to be good stewards of God's resources in real-world financial decisions.

Consumer Math BJUP: Biblical Personal Finance for High School

A comprehensive high school consumer math curriculum that teaches practical financial skills through a biblical stewardship lens. Covers budgeting, taxes, banking, insurance, and major purchases across nearly 600 pages of content.

Best for

High school students (grades 11-12) who have completed pre-algebra and need practical financial literacy education within a Christian worldview framework

Evaluation Criteria

6 strengths · 2 neutral · 1 insufficient evidence

Word ProblemsStrength

Strong emphasis on real-world application through practical consumer math contexts. More complex word problems are included in section C exercises.

Section C contains 'more complex word problems'; entire curriculum focuses on practical consumer applications like taxes, budgeting, home buying

Worked ExamplesStrength

Lessons begin with explanation and practical applications, then provide examples of problem solving before students attempt exercises. This follows effective cognitive load reduction principles.

Lessons begin with explanation and practical applications, then give examples of problem solving, followed by exercises

Direct InstructionStrength

The curriculum is well-structured for direct instruction with clear lesson organization and teacher materials. Video instruction option provides additional explicit teaching support.

Clear lesson structure with explanations followed by examples and exercises; teacher edition available; video-based online course option with instructor

Retrieval PracticeStrength

Includes cumulative review in each lesson and unit review lessons, supporting spaced practice of previously learned skills. Exercise sections provide multiple practice opportunities.

Each lesson includes cumulative review section; each unit ends with review problems; exercises divided into multiple sections (A, B, C) for differentiated practice

Sequencing ApproachStrength

Uses a logical mastery-based sequence starting with foundational math review before progressing to complex consumer applications. Each chapter builds systematically on previous skills.

First chapter reviews essential math skills (rates, ratios, percentage, algebra), second chapter covers measurement and conversions, then proceeds to practical consumer topics

Conceptual Procedural BalanceStrength

The curriculum emphasizes practical application of mathematical concepts within real-world financial contexts. Students use formulas and algebraic skills in meaningful ways rather than practicing abstract procedures.

Students frequently use formulas and need scientific calculators for calculations; covers practical applications like taxes, budgeting, and home buying with clear mathematical connections

Teacher TrainingNeutral

Provides teacher edition with complete answers and video instruction option for additional support. However, limited evidence of pedagogical guidance or mathematical background information.

Teacher edition included with all answers; video-based online course option available through Homeschool Hub

Assessment DiagnosticNeutral

Includes tests with answer keys and automatic grading for online version. Differentiated exercise sections allow teachers to assess student readiness for complex problems.

Tests and answer key included; online course provides automatic grading for most tests and quizzes; exercises divided into sections A, B, C for different ability levels

Visual RepresentationsInsufficient Evidence

Limited evidence of visual models or manipulatives in the curriculum materials reviewed. Focus appears to be on numerical and algebraic approaches.

No mention of visual representations, models, or manipulatives in the detailed reviews

Review Sources

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Janelle Knutson Blog

cathyduffy

Cathy Duffy

Key Facts
GradesGrades 11–12
SubjectMath
PedagogyTraditional
Faith-BasedChristian
FormatDigital + Physical
Pricing$128.35 at Rainbowresource.com

Looking for something different?

If none of these options feel right, explore a non-traditional approach. Pallas Center offers a unique curriculum, or design your own with Palladay.

Data sources: cathyduffy