math class 678 4-in-1 skill sheets
Consumer math · grades 7–10

Real-world money math, done by hand

10 labs on the money decisions students are about to make: a first paycheck, a budget, a checkout total, a credit card, a loan, a savings goal. Each one starts from a real document, has students do the math by hand, then puts a live calculator in their hands to test a real decision.

See the 10 labs Try Reading a Paycheck: Gross Vs Net Pay free
Every lab, the same format

Decode, build, explore, decide, prove it

No drill sheets: each lab ends in a decision students have to defend with their own numbers.

  1. 1

    Decode

    Read a real document: a pay stub, a receipt, a loan quote, a credit card statement.

  2. 2

    Build it by hand

    Do the math on paper, with no calculator, and get scored on it.

  3. 3

    Explore

    Run “what-if” questions in a self-calculating spreadsheet.

  4. 4

    Decide

    Make a real decision with a surprising answer, and justify it with the numbers.

  5. 5

    Prove it

    A scored mastery check on fresh numbers, then a reality-check reflection.

The labs

10 decisions, 10 labs

Saving Goals — Amount, Rate & Time: Goal Getter

Saving Goals

See the lab
In every lab

Print-and-go or digital

  • 10-page student lab (PDF + editable Word)
  • Self-calculating spreadsheet (Excel / Google Sheets)
  • 3-page teacher guide with full answer key + 10-point rubric
  • Printed Calculator Readouts (print fallback) + Terms of Use
Budgeting: Income Vs. Expenses money lab: Budgeting: Income vs. Expenses
The whole series

Consumer Math Essentials Bundle

All 9 paid labs in one purchase, with the free Reading a Paycheck: Gross Vs Net Pay lab included as a bonus.

View the bundle
Teaching a personal finance course?

Personal finance I Can posters

Learning targets for the high school personal finance standards of 13 states.

See the posters
Questions

Money Lab questions

What grades are the Money Labs for?

Grades 7 to 10: each lab is built on a 7th grade percent, unit rate or rational-number standard and stays accessible through high school, so it fits financial literacy, consumer math, FACS, CTE and intervention.

Do students need devices?

No. Every lab runs print-and-go, and a Printed Calculator Readouts page lets a print-only class run the whole lab. With devices, assign the editable Word packet in Google Docs and the calculator in Google Sheets.

Does the calculator do the math for them?

No. Students do the math by hand first and are scored on it. The spreadsheet is for exploring what-if questions afterward, never a substitute for the calculation.

Is there a free lab?

Yes. Reading a Paycheck: Gross Vs Net Pay (Reading a Paycheck: Gross vs Net Pay) is free, and it is included in the bundle as a bonus lab.

Standard codes refer to the Common Core State Standards for Mathematics. Math Class 678 is an independent publisher, not affiliated with, sponsored by, or endorsed by NGA Center or CCSSO. Every product is sold on Teachers Pay Teachers.