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Teacher Guide

The Choosing Year · Grade 3 · 36 weeks

Answers, the point of each week, and the specific wrong turn each one produces. Written for a teacher who has never run a financial literacy program and does not intend to become an expert in one.

Where a question is a judgment call this guide says so rather than inventing a correct answer to mark against. Whether a wait is worth it, or how much to give, or whether a choice was right, are all questions this book asks and does not answer.

Weeks 20 and 21 never ask a child what anything costs at their house, and the notes on those weeks say what to do if one volunteers an amount anyway. Some children in the room will be in homes where this is a hard subject, and the pages are built so that they never have to say so.

All 236 answers in the tables below are checked by verify.py, which ships beside this file and runs on every build. Each one is recomputed from the problem as the workbook states it, and the build fails if any answer in these tables is left unchecked.

Weeks 1–12Weeks 13–24 Weeks 25–36Strands What it does not do
Trimester 1 · Weeks 1 to 12

You cannot have both

There is enough for one of two things. Week 2 gives the other one a box on the page and every week afterwards points back at it. Weeks 4 to 7 are the arithmetic the rest of the year runs on, early on purpose, so the choosing weeks are about the choice.

Week 1Two Things, One Coin

Choices · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

There is enough for one of two things. Not a puzzle with a trick in it, a description of what money is like for everybody.

Answers and marking
Warm-up, can you buy ityes
Both, row ano
Both, row byes, $1 left
Both, row cno
Both, row dno
Both, row eyes, nothing left
Challenge, how many at $2, $2, $22
Challenge, how many at $2, $3, $12
Watch for

Students who answer which one they would pick and stop. The question on this page is whether both fit, and the picking is week 2.

Challenge Zone

Two items both times: the first set runs out of money at the third item, and so does the second. Trying the cheapest first is the quick way to see it.

Week 2What You Gave Up

Choices · sits beside: Two-step word problems (3.OA.8)
The point

The thing you did not buy is a real cost. Giving it a box on the page is what stops it being forgotten.

Answers and marking
Warm-up, what is left$1
It cost, row b$7
It cost, row c$6
It cost, row d$12
Watch for

The word anything in the last column. A student who writes anything has not chosen; push for one specific thing the money could have been.

Challenge Zone

The choice was not wrong. It was made with the information available, and a sale next week is new information. Students who say the choice was bad are judging a decision by its outcome, which is worth naming.

Week 3The Cost With No Price

Choices · sits beside: Two-step word problems (3.OA.8)
The point

Money is the easiest cost to see because somebody wrote it on a label. Time, waiting and effort are costs with nothing written on them.

Answers and marking
Warm-up, there and back40
Money saved by walking$2
Watch for

Students who treat the cheapest option as automatically best. Ask what the forty minutes would otherwise have been.

Challenge Zone

There is no right number and there is a wrong kind of answer. Anything that compares the saving to what the hour would otherwise have been is good; anything that just says a bigger number is not.

Week 4Enough, Or Not Enough?

Counting · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

Working out whether you can afford it before you get to the counter, which is the only useful time to know.

Answers and marking
Warm-up, enoughyes
Row a, left$3
Row b, left$0
Row c, short by$1
Row d, left$12
Row e, short by$15
Row f, left$165
Buy it, no money leftb
Keep the money, no thingc and e
Challenge, weeks to make up $154
Challenge, weeks if the price rises $1 a week5
Watch for

Students who write no for row b. Exactly enough is enough, and the difference between b and c is the whole point of the pair. The two kinds of nothing are the other half: b ends with no money and the thing in hand, c and e end with the money still there and nothing bought. Accept either order as long as the student says which nothing is which.

Challenge Zone

Four weeks at $4, because three weeks is $12 and still short. Rounding down here gets it wrong and looks right. If the price rises $1 a week, the gap only closes by $3 a week, so it takes five weeks.

Week 5Change, Counted Back

Counting · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

Two ways to the same answer, so that one can check the other without a pencil.

Answers and marking
Warm-up, change$6
Change, row b$3
Change, row c$18
Change, row d$14
Change, row e$12
Challenge, what did it cost$32
Watch for

Counting up that jumps straight to the paid amount without stopping at the next round number. The stop is what makes it doable in your head.

Challenge Zone

$50 minus $18 is $32, and counting up from $32 gets there in two jumps: to $40, then to $50.

Week 6Adding Up a Basket

Counting · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

A running total tells you you are in trouble the moment the item that tips it over goes in, rather than at the counter.

Answers and marking
Warm-up, the total$12
Running total after three items$12
Item the basket went over $10 at3
Total if you have $15$12
Watch for

Adding the whole list at the end. It gives the same number too late to be useful, which is the entire argument of the page.

Challenge Zone

$6, $2, $7, $3 is $18 and you have $15, so at least $3 has to come out. The $3 is the smallest removal and gets you to exactly $15. Removing the $6 or the $7 also works and leaves change, so there is more than one right answer.

Week 7Roughly, Before Exactly

Counting · sits beside: Rounding to the nearest 10 or 100 (3.NBT.1)
The point

A rough number, worked out fast, tells you whether being exact is worth the trouble.

Answers and marking
Warm-up, $38 to the nearest ten40
Roughly, basket a$110
Exactly, basket a$108
Off by, basket a$2
Roughly, basket b$130
Exactly, basket b$138
Off by, basket b$8
Roughly, basket c$80
Exactly, basket c$79
Off by, basket c$1
Roughly, basket d$110
Exactly, basket d$107
Off by, basket d$3
Closest to exactbasket c
Furthest offbasket b
Watch for

Rounding the total instead of each item. It can be closer, but it needs the exact total first, which defeats the point. Basket b is furthest off because all three prices round down, so the errors add up instead of cancelling.

Challenge Zone

Rounding everything up never underestimates, which is exactly what you want when you are checking whether you have enough. Students who spot that this is the safe direction have understood estimation.

Week 8Somebody Chose That Number

Price · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

A price is a decision somebody made. It could have been a different number, and once you know that you can ask whether it is worth it to you.

Answers and marking
Warm-up, the drop$2
Change, row b$3
Change, row c$0
Change, row d$15
Watch for

Students who think a price change means the thing changed. Nothing about the object moved.

Challenge Zone

Worth is not a property of the object. It was worth $40 to whoever paid $40 and it is worth $25 to whoever pays $25, and both of those are answers about people rather than about shoes.

Week 9The Same Thing, Two Prices

Price · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

The gap between two prices for the same thing usually has a reason, and looking for it is the habit.

Answers and marking
Warm-up, the gap$3
Gap, row b$0
Gap, row c$5
Gap, row d$2
Watch for

Students who conclude the more expensive shop is cheating. Convenience, opening hours and location are all real things somebody is paying for.

Challenge Zone

Location, speed, what else is sold there, or simply that the people buying it are not comparing. Two plausible reasons is the bar.

Week 10The Bigger Box

Price · sits beside: Multiply and divide within 100 (3.OA.7)
The point

Divide before you decide. The bigger box is usually cheaper for one and it is not a law, and it is only a saving if you wanted that many.

Answers and marking
Warm-up, four for $8 is each$2
Each, row a$2
Each, row b$4
Each, row c$2
Each, row d$3
Challenge, 6 for $12 each$2
Not cheaper eachb and c
Challenge, 10 for $30 each$3
Watch for

Assuming without dividing. Rows b and c exist so that the assumption fails twice on one page.

Challenge Zone

The six-box is cheaper each. Which one to buy depends on whether you want ten, and a student who says that has answered better than one who just picks the smaller number.

Week 11Three Things, Two Coins

Choices · sits beside: Two-step word problems (3.OA.8)
The point

Three things and enough for two. The question stops being what do I want and becomes which pair, and what am I giving up.

Answers and marking
Warm-up, can you have all threeno
$6 and $5 adds to$11
$6 and $4 adds to$10
$5 and $4 adds to$9
Pair leaving the most$5 and $4
Pair using it exactly$6 and $4
With $12, pairs that fit3
Challenge, pairs that fit in $105
Challenge, sets of three that fit0
Watch for

Students who add all three, see it does not fit, and stop. The work is in the pairs.

Challenge Zone

Five pairs fit and no set of three does, because the three cheapest are $3, $4 and $5, which is $12.

Week 12The Money Detective

Review · sits beside: Review and reasoning
The point

Eleven weeks of tools and nobody saying which one. Naming the week each answer came from is half the exercise.

Answers and marking
Roughly, to the nearest ten, all four at shop A$20
Exactly, all four at shop A$22
Cheaper for the box of pensshop B
Cheaper by, the box$2
Notebook and comic at A$11
Change from $20$9
Three things at B come to$14
To fit $10 at B, give upthe pens or the notebook
Watch for

Question 5 has two right answers. Giving up the pens leaves $8 and giving up the notebook leaves $9, and both fit. Giving up the snack leaves $11, which does not.

Challenge Zone

Any plan that adds to $20 or less, with the items listed and the total shown, and one sentence saying what was left out.

Trimester 2 · Weeks 13 to 24

Where it goes

The ledger, which is the one habit this year is trying to leave behind, then saving, then the two household weeks, then giving. Week 24 is a written plan made before the money arrives, and week 34 holds it up against what actually happened.

Week 13Write It Down

Keeping Track · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

Memory is not a ledger. Four columns, and the last one is the only one that answers a question.

Answers and marking
Warm-up, what is left$3
Balance after the allowance$15
Balance after the snack$13
Balance after the bus$10
Balance after finding a dollar$11
Balance at the end$7
All the ins$6
All the outs$9
Watch for

The Left column left blank. Students fill in what happened and the amounts and skip the one column that makes it a ledger.

Challenge Zone

Something was spent and not written down. The way to find it is to work backwards from the real amount, and the honest answer is often that you cannot find it and have to start again from today.

Week 14In and Out

Keeping Track · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

Money in makes the balance go up, money out makes it go down. The balance is a running answer, never a guess.

Answers and marking
Warm-up, what now$10
Balance after lunch$7
Balance after the job$10
Balance after the pen$8
Balance at the end$18
The lowest it got$7
All the Ins$13
All the Outs$7
$12 plus the Ins, minus the Outs$18
Watch for

Students who add all the ins, subtract all the outs, and never write a line by line balance. They get the right end number and miss that there was a moment they could not have bought something.

Challenge Zone

Both are defensible and the useful answer names what the money was for. Never going below $3 is only careful if the money had somewhere better to be.

Week 15The Week in a Picture

Keeping Track · sits beside: Picture graphs and bar graphs (3.MD.3)
The point

Five days of your own spending, drawn, so the shape of the week is visible before anything is added up.

Answers and marking
Warm-up, three days$5
The drawn week, biggest dayThursday
The drawn week, day that cost nothingWednesday
The drawn week, total$10
Watch for

Gaps in the row of circles. One circle per dollar, starting at the line, or the picture cannot be compared across days.

Challenge Zone

Same total, very different weeks. The one with a single big day is harder to plan around, and a student who says so has read the shape rather than the height.

Week 16Reading It Back

Keeping Track · sits beside: Picture graphs and bar graphs (3.MD.3)
The point

A graph says how much. The ledger says what on. Reading a graph means noticing which thing to go and look up.

Answers and marking
Warm-up, the difference3
Thursday minus Friday3
The whole week$10
Two days adding to ThursdayTuesday and Friday
Whole week in circles at $5 each2
Watch for

Answers that stop at naming the tallest bar. Anybody can see the tallest bar; the question is which day is worth looking up.

Challenge Zone

The week does not change: it is still $10. The picture shrinks: the whole week is two circles, and Thursday's $4 is less than one whole circle. Students who notice that the same money can look big or small depending on the key have found something worth keeping.

Week 17Saving Takes Weeks

Saving · sits beside: Multiplication and division word problems (3.OA.3)
The point

The goal divided by what you can put in. Not a feeling about how long, a number.

Answers and marking
Warm-up, six weeks at $3$18
Weeks, row a8
Weeks, row b8
Weeks, row c9
Weeks, row d16
Weeks, row e5
Row d in half the time, each week$8
That is more each week by$4
Challenge, weeks for $30 at $48
Challenge, left over$2
Watch for

Rounding down in the challenge. Seven and a half weeks buys nothing at week seven, so it is eight weeks.

Challenge Zone

Eight weeks gets you $32, which is $2 more than the goal. Students who write 7.5 have done the division and not the question.

Week 18A Little Every Time

Saving · sits beside: Multiplication and division word problems (3.OA.3)
The point

The amount is not what makes saving work. The repeating is, and it takes one multiplication to prove.

Answers and marking
Warm-up, $2 for 10 weeks$20
$2 a week for a year$104
$1 a week for a year$52
$5 a week for a year$260
$10 a week for a year$520
Challenge, left at the end$74
Challenge, weeks that $30 cost15
Watch for

Students who are unimpressed by $2. Make them do the 52 before they decide.

Challenge Zone

$104 minus $30 is $74, and $30 at $2 a week is 15 weeks of saving spent in one go. The second number lands harder than the first.

Week 19The Cost of Waiting

Saving · sits beside: Two-step word problems (3.OA.8)
The point

Saving works and it costs you the waiting. Both are true, and deciding it is not worth eight weeks is a decision rather than a failure.

Answers and marking
Warm-up, weeks to $18 at $36
Weeks for the game8
Weeks for the book3
Weeks for the bike40
The one to changethe bike
Challenge, both goals, either order, weeks11
Watch for

Students who treat a long wait as proof the goal is wrong. Forty weeks is long and a bike is a bike.

Challenge Zone

Both orders finish both goals at week 11. The book first means the book at week 3 and the game at week 11; the game first means the game at week 8 and the book at week 11. The order only decides which one you wait for. Either, with a reason.

Week 20What a Home Pays For

Household · sits beside: Reasoning and sorting (no new arithmetic this week)
The point

A home pays for a long list and most of it is invisible to a child. The list is the lesson.

Answers and marking

Nothing with a single right answer this week. Mark the reasoning, not the number.

Watch for

This page never asks for an amount. If a child volunteers one, do not write it on the board, do not compare it with anybody else's, and move the conversation back to the list. Some children in the room will be in homes where this is a hard subject, and the page is built so that they never have to say so.

Challenge Zone

An ordering, with no numbers, compared with a partner's. There is no answer key, and nobody's order should be checked against a real home. The disagreement is the discussion.

Week 21Some Come Every Month

Household · sits beside: Multiply by multiples of 10 (3.NBT.3)
The point

A small cost that repeats beats a large one that does not. It is week 18's idea pointed the other way.

Answers and marking
Warm-up, $30 for 10 months$300
$30 a month in a year$360
$50 once in a year$50
$20 a month in a year$240
$10 a month in a year$120
$200 once in a year$200
Costs more over a year$20 a month
Challenge, $5 a month for three years$180
Watch for

Still no amounts from anybody's home. Every number on this page is printed on it.

Challenge Zone

$180, and the useful half of the answer is what that could have been instead. A subscription nobody canceled is one real-life version of this.

Week 22A Share of What You Have

Giving · sits beside: Understanding fractions (3.NF.1)
The point

A fraction of an amount of money, which is what a share is and what a shape cut into quarters cannot show.

Answers and marking
Warm-up, one fourth of $12$3
Give, row a$3
Keep, row a$9
Give, row b$5
Keep, row b$15
Give, row c$6
Keep, row c$12
Give, row d$5
Keep, row d$5
Give, row e$4
Keep, row e$20
Same dollars givenrows b and d
Challenge, $5 of $20one fourth
Challenge, $5 of $30one sixth
Watch for

Whether and how much to give is not this page's business and should not become a competition. The arithmetic is.

Challenge Zone

$5 of $20 is one fourth. $5 of $30 is one sixth. The same money is a different fraction, which is week 23 arriving early.

Week 23Different Shares

Giving · sits beside: Comparing fractions of the same whole (3.NF.3d)
The point

A fraction is not a quantity until you say a fraction of what. That is true of every percentage anybody will ever quote them.

Answers and marking
Warm-up, which is morehalf of $10
Row a, first$5
Row a, second$4
Row b, first$10
Row b, second$5
Row c, first$5
Row c, second$4
Row d, first$3
Row d, second$3
The tied rowd
Watch for

Comparing the fractions instead of the amounts. In row b a third beats a half, and in row c a fourth beats a half, and students who compare denominators get both wrong.

Challenge Zone

Half of $20 is $10, so a third of $30, a fourth of $40, a sixth of $60. Three answers is the bar and there are many more.

Week 24Spend, Save, Give

Review · sits beside: Review and reasoning
The point

Money does three things and there is no fourth. Deciding the split before the money arrives is the only time it is easy.

Answers and marking
Warm-up, a third of $12$4
Watch for

Plans that only work for one amount. If the split cannot be applied to $6 and $30 as well, it is a sum rather than a plan.

Challenge Zone

Fractions travel and dollars do not. A student who works that out has found the reason grown-ups talk about percentages.

Trimester 3 · Weeks 25 to 36

Money and time

Where money comes from, and what a thing costs in hours rather than dollars. Weeks 31 and 32 are about borrowing, at one level only. Weeks 33 and 34 close the loop the year opened.

Week 25Where Money Comes From

Earning · sits beside: Multiplication and division word problems (3.OA.3)
The point

Most money starts as somebody's time, which changes what a price is.

Answers and marking
Warm-up, four hours at $9$36
Earned, row a$36
Earned, row b$36
Earned, row c$56
Earned, row d$100
Earned, row e$90
Challenge, hours at $106
Challenge, hours at $302
Watch for

Rows a and b earn the same from different hours, and a student may read that as a mistake in the table.

Challenge Zone

Six hours against two, for the same object. It is the same thing and it is not the same price, and that is week 28 arriving early.

Week 26Paid By the Hour

Earning · sits beside: Multiplication and division word problems (3.OA.3)
The point

Paid by the hour, doubling the hours doubles the money exactly. Nothing else in this book is that simple, and the cost is the hours.

Answers and marking
Warm-up, $8 for 5 hours$40
2 hours at $8$16
2 hours at $12$24
2 hours at $15$30
4 hours at $8$32
4 hours at $12$48
4 hours at $15$60
6 hours at $8$48
6 hours at $12$72
6 hours at $15$90
8 hours at $8$64
8 hours at $12$96
8 hours at $15$120
Same amount in two boxes$48
Watch for

Students who say doubling the money doubles how well off you are. Eight hours is a day gone.

Challenge Zone

$48 twice: four hours at $12 and six hours at $8. Same money, two hours of difference, and a student who says which they would rather have, and why, has the point.

Week 27Paid For the Job

Earning · sits beside: Multiplication and division word problems (3.OA.3)
The point

Paid by the hour, slower earns more. Paid for the job, slower earns less. Knowing which one you are on before you agree is the week.

Answers and marking
Warm-up, $30 for 3 hours$10
Per hour, row a$10
Per hour, row b$6
Per hour, row c$12
Per hour, row d$5
Best per hourrow c
Rows where $8 an hour pays moreb and d
Faster, $30 in 2 hours$15
Challenge, $40 in 8 hours$5
Watch for

Students who think a job price is a trick. It is a bet by both sides that the work will take about as long as expected.

Challenge Zone

$5 an hour, which is worse than any other job on this page. The answer for next time is either a higher job price or an honest estimate of the hours, and saying which is the point.

Week 28How Long to Earn It?

Time · sits beside: Division as equal groups (3.OA.2)
The point

A price said in hours instead of dollars, which can change a decision a student would otherwise make.

Answers and marking
Warm-up, $24 at $8 an hour3
Hours, row a3
Hours, row b5
Hours, row c5
Hours, row d5
Hours, row e10
Challenge, hours including travel6
Watch for

Students who divide the wrong way round and get a number of dollars per hour. Ask what the units of the answer are.

Challenge Zone

Five hours of work plus an hour of travel is six. Travel is unpaid and it is still time the thing cost them.

Week 29Time Costs Money Too

Time · sits beside: Time intervals in minutes (3.MD.1)
The point

Time between two clock times, and then the trade: what the saving is worth against what the time is worth.

Answers and marking
Warm-up, 2:15 to 3:0550
Minutes, row a50
Minutes, row b30
Minutes, row c100
Minutes, row d30
Saves the most moneyrow c
Best deal for your timerow d
Fifty minutes at $8 an hour is worthnearly $7
Watch for

Subtracting 2:15 from 3:05 as if it were a decimal and getting 90 minutes. It looks reasonable and it is wrong, which is the worst combination.

Challenge Zone

$1 in 10 minutes is a better rate than $3 in 40. The assumption is that the walk is worth nothing in itself, and a student who names that assumption has done better than one who just computes.

Week 30The Long Wait

Choices · sits beside: Multiplication and division word problems (3.OA.3)
The point

A goal far enough away to stop feeling real. Breaking it into quarters with real dates is what makes it survivable.

Answers and marking
Warm-up, $120 at $5 a week24
Weeks to a quarter6
Money at a quarter$30
Weeks to halfway12
Money at halfway$60
Weeks to three quarters18
Money at three quarters$90
Weeks to all of it24
Watch for

Students who write the weeks and skip the dates. The dates are what make it a plan rather than a division.

Challenge Zone

Doubling the weekly amount halves the time, and where the extra $5 comes from is the real question. Usually it comes out of the spending in week 24's plan.

Week 31Borrow It or Wait?

Choices · sits beside: Two-step word problems (3.OA.8)
The point

Borrowing moves the having to now and the paying to later. The paying is the same size when it arrives.

Answers and marking
Warm-up, weeks to pay back $20 at $54
Watch for

Do not let this become a lecture about debt. The page says one thing and means it: you get it now and you owe it. Interest is for a later year and it is not in this book anywhere.

Challenge Zone

The paying back stretches or the unexpected thing does not get paid. There is no third option and finding that out on paper is cheap.

Week 32Paying It Back

Choices · sits beside: Adding and subtracting within 1000 (3.NBT.2)
The point

A number counting down to zero, which is the first time in this book that is a good thing.

Answers and marking
Warm-up, still owed$15
Owed after week 1$15
Owed after week 2$10
Owed after week 3$5
Owed after week 4$0
Week it reaches zero4
If week 3 is missed, zero in week5
If $10 is paid first, zero in week3
Watch for

Students who stop at zero and do not notice they have got the thing and spent the money. Both happened.

Challenge Zone

$5 back and $3 saved is $8 a week, which may be more than a student has coming in. If so, the honest answers are to pay back slower or save less, and picking one on purpose is the skill.

Week 33A Whole Month

Keeping Track · sits beside: Multiplication and division word problems (3.OA.3)
The point

A month shows what a week hides. The gap between the month's ins and outs is the only number that says how the student is actually doing.

Answers and marking
Warm-up, four weeks at $6$24
Challenge, months to reach a $24 goal at $12 kept2
Watch for

Students with no ledger doing four weeks from memory. Let them, and then have them keep it properly for four weeks and compare. That comparison teaches more than the page does.

Challenge Zone

Two months, and whether that is faster or slower than week 17's plan depends on their own numbers. Either answer is fine with the arithmetic shown.

Week 34Did the Plan Hold?

Keeping Track · sits beside: Two-step word problems (3.OA.8)
The point

The plan written in week 24, against the month that actually happened. A gap is normal and it is information.

Answers and marking
Warm-up, missed by$2
Watch for

Students who adjust one column to make them match. That is the one thing this page cannot survive, and it is tempting.

Challenge Zone

Change the behavior or change the plan. Writing the same plan again unchanged is the only wrong answer, and naming which one they chose is the whole exercise.

Week 35Your Money Book, Finished

Review · sits beside: Review and reasoning
The point

Nineteen entries, written by them, across a school year. Nobody else could have written this book.

Answers and marking
Entries in the Money Book19
Watch for

Students with an incomplete book. Have them fill the gaps from the workbook pages rather than skipping the week; the point is to have the thing in one piece.

Challenge Zone

The page they wish had been in the book is the most useful thing a teacher can send back about this year.

Week 36What It Cost You

Review · sits beside: Review and reasoning
The point

The week 1 page again, with a year of their own numbers behind it. Week 1 could only be answered by picking. This one has five answers.

Answers and marking
Left after buying the book$1
Left after buying the game$2
Weeks to buy the other one too, either pick1
The book, in hours at $8half an hour
Watch for

Students who answer question 1 and stop, exactly as in week 1. The other four are the year. The warm-up has no right answer: either, with a reason.

Challenge Zone

Writing week 1 for somebody younger forces a student to pick numbers that matter to a seven-year-old, which is harder than it sounds and shows whether they understood the idea or the arithmetic.

The strands

ChoicesThere is enough for one. Picking one means not having the other, and that other thing is a real cost.
CountingCan you afford it, what comes back, what a basket comes to, and roughly before exactly.
PriceA price is a decision somebody made, and two prices for the same thing usually have a reason between them.
Keeping TrackThe ledger, the balance, and a week drawn as a picture. The one habit this year is trying to leave behind.
SavingA goal divided by what you can put in, and the waiting that costs something too.
HouseholdWhat a home pays for, as a list. These weeks never ask a child what anything costs at their house.
GivingA fraction of an amount of money, which is what a shape cut into quarters cannot show.
EarningWhere money comes from: hours, rates, and per job against per hour.
TimeA price said in hours, and elapsed time on a clock.
ReviewPulling a trimester into something a person could act on.

Two things this book does not do

Nothing is sold. There is no product, no customer and no market day anywhere in this year. That is Grade 4, and building a gentler version of it here is the single most obvious way this book could have gone wrong. This year is about the money a student already has and what it costs them to choose.

Nobody is asked what anything costs at their house. Weeks 20 and 21 are about what a home pays for, as a list, and every number on those pages is printed on them. If a child volunteers an amount, do not write it on the board, do not compare it with anybody else's, and move back to the list.

Weeks 31 and 32 are about borrowing at one level only: you get it now and you owe it. There is no interest, no rate and no card in this book. Interest is a much later year.

A Grade 3 student could be handed this and the Grade 3 math book in the same year. Both are 36 weeks, both are two pages a week. They are alternatives rather than a pair, and a school should be told so.