Financial Literacy

This unit is intended to help students gain the financial literacy skills they’ll need to manage their financial resources throughout their lives.

See the following links with instructional materials, examples, and practice questions.:

The Math Of Finance – 6th Grade Math TEKS

The Math Of Finance – 7th Grade Math TEKS

The Math Of Finance – 8th Grade Math TEKS

National Standards in K-12 Personal Finance Education


Also, you can practice with real STAAR tests:

6th Grade Released STAAR Test and Answers: Math

7th Grade Released STAAR Test and Answers: Math

8th Grade Released STAAR Test and Answers: Math



Account Arrangement with a bank letting you deposit and withdraw money.
Annual Salary The amount of income earned in one fiscal year
Balance The difference between credits and debits in an account
Borrow Obtain money which must be returned, usually with interest
Checking account Monthly check balance showing day-to-day cash deposits and withdrawals
Credit Card It allows you to make purchases and pay for them at a later date.
Credit History Is a record of a consumer’s ability and responsibility to repay debts
Credit Report Is a detailed breakdown of an individual’s credit history
Debit Card Used to make purchases with funds directly from a checking account.
Deposit Money placed into an account.
Grant A sum of money given by a government or other organization for a particular purpose.
Minimum Wage Is the lowest remuneration that employers can legally pay their workers
Lend Give or allow the use of money, which must be returned, usually with interest.
Lifetime Income Is the money that an individual receives, in their lifetime.
Loan Money lent to someone else in exchange for future payment.
Savings Account Account for storing or saving money with limited withdrawals.
Scholarships Is a grant-in-aid to a student
Withdrawal Money subtracted from an account




Education and Income Vocabulary

Percent and Tax Vocabulary



Sales Vocabulary


The Smartest Son

CM04     Change

CM16     Grocery

CM08     Earning_Money

CM09     Money_Word Problems

PE11      Commission

CM15     Consumer_Math

CM05     Discount

PE09      Markup

PE08      Price_with_Tax

CM18     Retail_Math

PE10      Simple_Interest

PE07      Tax

PE12      Tips




CM01     Unit_Price

CM02     Unit_Rate

CM03     Best Deal

CM06     Discount_1

CM07     Discount_2

CM10     OfficeDepot

CM11     Olive

CM12     Restaurant

CM13     Sales_Tax

CM14     Math_at_Dinner


CM03     Best Deal


 What are you going to do when you grow up?

What do you see yourself doing 10 years from now?

Careers    Ask yourself some simple questions.

  • What Do You Like To Do?
  • What Are You Good At?
  • Does this career let me follow my passion?
  • Can I be successful in this career?
  • Am I more introverted or extroverted?
  • Am I ready to fight for it?
  • How Much Money Do You Want To Make?
  • Am I choosing this career to please somebody else?


Your future starts now

You’re in middle school now. What you do over the next few years will have an impact on the rest of your life. Now is the time to start thinking about life beyond middle school.

Let´s do Math:  What would you be willing to do for a million dollars?



How much money will you earn in your lifetime?

1 day = 8 working hours

1 week = 5 days

1 year = 52 weeks

1 lifetime = 35 years (the average number of years a person “works” in a lifetime)

Degree Hourly wage
no High School Diploma $7.25
Associate´s degree $30
Bachelor’s degree $60
Professional degree $100

*(minimum wage in Texas  )

7.25 x 8 x 5 x 52 x 35 = ?

30 x 8 x 5 x 52 x 35 = ?

60 x 8 x 5 x 52 x 35 = ?

100 x 8 x 5 x 52 x 35 = ?

JG wish it dream it


The Secret to Becoming a Millionaire:   Money Math Lessons for Life


Latino boys who drop out of school often wind up in the criminal justice system.

Young Hispanic men are more likely to end up in prison than at a top university.

Latinos make up one-third of the population of federal prisons and are the fastest growing ethnic group in all U.S. prisons.


Know about Careers?

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