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Teacher Guide

The Keeping Year · Grade 5 · 36 weeks

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

Where a question is a judgment call this guide says so rather than inventing a correct answer to mark against. A student’s own plan is the clearest case: what can be marked is whether it adds up, and nothing else about it can.

No page asks a child what anything costs at their house. Every amount in the book is either the student’s own or is printed on the page. Some children in the room will be in homes where money is a hard subject, and the year is built so that they never have to say so to finish it.

The answer tables below have 258 lines. 230 are numbers, fractions or choices that verify.py recomputes from the problem as the workbook prints it; it ships beside this file and runs on every build. 9 are a rule or a phrase the page itself states, and verify.py checks each against the page’s own words. The other 19 are judgment calls or the student’s own work; they say so below, and verify.py lists each of them by name.

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

The price is not the cost

Weeks 1 to 4 put the price tag in its place: it is the bottom block of a stack and almost everybody compares bottom blocks. Weeks 5 to 7 divide the whole cost by the use you got, including the honest version on something that did not work out. Weeks 8 and 9 compare two options over the same stretch of time and find the month where the cheaper one stops being cheaper. Weeks 10 and 11 admit what the arithmetic cannot do.

Week 1The Price Is Not the Cost

Running Costs · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The price is the bottom block of a stack, and almost everybody compares bottom blocks. The whole year comes out of that one sentence.

Answers and marking
Warm-up, a year of keeping$60.00
Row a, whole cost$100.00
Row b, whole cost$102.00
Row c, whole cost$67.00
Row d, whole cost$120.00
Row e, whole cost$87.00
Rows that change place2
Watch for

Students who add the monthly amount to the price without multiplying by twelve first. The answer looks reasonable, which is what makes it worth catching early: $40 plus $5 is a number, it is just not this one.

Challenge Zone

Over the same period, the cheap one's running cost has to equal three times its own price plus twice the other one's running cost. Over a year: $10 with $4.50 a month comes to $64, and $20 with $1 a month comes to $32. The good answers notice that the running cost has to outweigh a price gap and then double it, and say so in a sentence rather than only producing an example.

Week 2What It Costs to Keep

Running Costs · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Four kinds of running cost, and people reliably forget the fourth, which is that the thing eventually has to be replaced.

Answers and marking
Warm-up, the three added$5.05
The table is observationalno single right set
Cheapest to keep, and costs more to keep than to buyjudgment calls: the page prints no prices. Shoes and a bike are common answers for the first; a phone (its plan), a games console (its games) or a pet fish (food and tank) for the second. Mark the reason, not the choice
Watch for

Students who list only things that get used up. Ask what happens to the thing in five years; that is the fourth kind and it is the largest.

Challenge Zone

Printers, game consoles and pets all fit. The good answers notice who benefits: something sold cheaply so that the expensive part is sold repeatedly afterwards is a deliberate arrangement, not an accident.

Week 3Price Plus Keeping

Running Costs · sits beside: Multiply and divide multi-digit numbers (5.NBT.5, 5.NBT.7)
The point

One number for the whole thing over a stated stretch of time, which is the only form in which two options can honestly be compared.

Answers and marking
Warm-up, 12 months at $3.25$39.00
Row a, first year$69.00
Row b, first year$70.00
Row c, first year$87.00
Row d, first year$149.00
Row e, first year$96.00
The two within five dollarsa and b
Watch for

Students who compare row d with row a and stop, because $140 is obviously more than $30. It is, over one year. Ask them what happens over five, and week 8 arrives early.

Challenge Zone

Needs the running costs to differ by enough that two more years of the difference doubles the total. A $60 price with $5 a month against a $120 price with nothing is one: $120 each over one year, then $240 against $120 over three years.

Week 4The Cheap One That Costs More

Running Costs · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The cheap one costing more is not a paradox and not rare. It is what happens whenever the running cost is where the money is.

Answers and marking
Warm-up, price plus a year$90.00
Row a, cheap over a year$90.00
Row a, pricier over a year$78.00
Row b, cheap over a year$49.00
Row b, pricier over a year$52.00
Row c, cheap over a year$78.00
Row c, pricier over a year$88.00
Row d, cheap over a year$108.00
Row d, pricier over a year$95.00
Row e, cheap over a year$66.00
Row e, pricier over a year$74.00
The two where the cheap price costs more over the yeara and d
Watch for

Students who decide the lesson is that expensive things are secretly cheaper. That is the opposite error and it costs just as much. The lesson is that you cannot tell without the arithmetic.

Challenge Zone

It has to last less time, so you buy it more than once. That is week 7 and a student who reaches it here has read ahead in the right direction.

Week 5Cost Per Use

Per Use · sits beside: Divide with decimals (5.NBT.7)
The point

Cost per use is the number that settles arguments about whether something was expensive, and it cuts both ways.

Answers and marking
Warm-up, $60 over 200 uses$0.30
Row a, per use$0.30
Row b, per use$1.25
Row c, per use$2.00
Row d, per use$2.00
Row e, per use$0.24
Cheapest to userow e
Watch for

Students who divide the other way and get uses per dollar. It is a real number and it is not this one; ask what units their answer is in.

Challenge Zone

The ratio of cost to uses has to be the same, so the expensive one is used ten times as often. Good answers say that in a sentence about the thing rather than only about the arithmetic.

Week 6The Thing You Used Twice

Per Use · sits beside: Divide with decimals (5.NBT.7)
The point

The same division, on something that did not work out. It is a measurement, not a scolding, and it is the only honest input to the next decision.

Answers and marking
Warm-up, $48 over 2 uses$24.00
Row a, really$24.00
Row b, really$6.00
Row c, really$2.00
Row d, really$6.25
Row e, really$9.00
Row a, if the guess had been right$2.40
Row b, if the guess had been right$0.60
Row c, if the guess had been right$1.60
Row d, if the guess had been right$0.75
Row e, if the guess had been right$2.25
Where the guess matters leastrow c
Watch for

This week can land badly on a student who has just realized something about a present. Keep it on the arithmetic and let anybody who wants to use a made-up example do so; the halving rule is the part that transfers.

Challenge Zone

$40 over 15 uses is $2.67 rather than $1.33. Whether that changes the answer is the student's to decide, and a good response says what the number would have to be for them to walk away, which is week 27.

Week 7How Long Will It Last?

Per Use · sits beside: Divide with decimals (5.NBT.7)
The point

Replacement is a running cost. It is the one nobody names and it is usually the largest.

Answers and marking
Warm-up, $84 over 3 years$28.00
Row a, per year$30.00
Row b, per year$24.00
Row c, per year$42.00
Row d, per year$25.00
Row e, per year$30.00
Row a, over 6 years$180.00
Row b, over 6 years$144.00
Row c, over 6 years$252.00
Row d, over 6 years$150.00
Row e, over 6 years$180.00
Cheapest over six yearsrow b
Watch for

Row e is eighteen months, which students want to treat as two years. It is one and a half, and the per-year figure is $30 rather than $22.50.

Challenge Zone

There is no arithmetic answer: over six years they cost the same, $180 each. Good responses name something that is not money, which is week 10 arriving early, or point out that six years of a thing you outgrow is not the same as six years of a thing you keep.

Week 8Two Options, One Period

Comparing · sits beside: Generate and compare two patterns (5.OA.3)
The point

Choose the stretch of time before doing the arithmetic. Choosing it afterwards is how people talk themselves into things.

Answers and marking
Warm-up, which is less over 6 monthsA
Row a, A$70.00
Row a, B$96.00
Row b, A$100.00
Row b, B$102.00
Row c, A$160.00
Row c, B$114.00
Row d, A$220.00
Row d, B$126.00
Row e, A$340.00
Row e, B$150.00
The answer changes betweenrows b and c
Watch for

Students who work across the rows instead of down the columns. Doing one option all the way down is fewer switches and fewer mistakes, and it also makes the shape of each option visible.

Challenge Zone

The honest rules are about the thing rather than the answer: how long it will last, how long you will want it, or how long until you outgrow it. Any rule that mentions which option you prefer is the thing this week is warning about.

Week 9Where They Cross

Comparing · sits beside: Patterns and relationships (5.OA.3)
The point

The crossing month is the one number in the comparison that does not depend on anybody's opinion.

Answers and marking
Warm-up, months until equal12.5 months
Row a, gap$50.00
Row a, closed each month$4.00
Row a, cross at12.5 months
Row b, cross at9 months
Row c, cross at12 months
Row d, cross at30 months
Row e, cross at12 months
The row that is not wholea
Watch for

Students who divide the prices rather than the gap. The question is how long it takes to close a difference, so both numbers in the division have to be differences.

Challenge Zone

They never cross. If the monthly amounts match, the price gap never closes and the cheaper one is cheaper forever, which is the only case in this book where the price tag alone is the right thing to look at.

Week 10The Number That Is Not Money

Comparing · sits beside: Convert measurement units (5.MD.1)
The point

A reason with no dollar amount still belongs in the decision. Pricing it invents a number, and the invented number then decides.

Answers and marking
Warm-up, which is cheaperA
Row a, the gap$25.00
Row a, hours a year17.33 hours
Cheaper, rows b to eA in every row
Which row's not-money reason matters mosta judgment call, no single right row
Watch for

Students who put a price on time because it makes the page finishable. Ask where the number came from. If the answer is that they picked it, the week has worked.

Challenge Zone

What is right: it makes the two options comparable and it is what adults do. What is wrong: the rate is invented, small changes in it flip the answer, and it hides a choice inside what looks like a calculation.

Week 11Cheap, Good, or Soon

Comparing · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Cheap, good, soon. You usually get two, and the skill is naming the one you gave up rather than being annoyed about it later.

Answers and marking
Warm-up, what waiting saves$6.00
Row a, gave upsoon
Row b, gave upgood
Row c, gave upcheap
Rows d and e are judgment callsno single right answer
Row d, what it costs that is not on the listit is not yours, it has to go back, and you are responsible for it; any one of those is a good answer
Watch for

Students who mark every row as giving up cheap, because cheap is the one they notice. Ask what the choice cost that was not money.

Challenge Zone

Real cases exist: a library book, a hand-me-down, something a friend is giving away today. What is unusual is nearly always that somebody else already paid, or that it is not yours to keep. Good answers say which of those it is.

Week 12The Cost Detective

Review · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

A trimester review with every tool used once, on a decision that came out right for the wrong reason: the buyer saved two dollars, not seventy-four.

Answers and marking
Warm-up, price plus 24 months$106.00
What they bought, over 2 years$106.00
What they did not, over 2 years$108.00
Cost per use at 40 uses$2.65
The crossing month24.67 months, so during month 25
Did they pass itno, they kept it 24 months and the crossing is at 24.67
Was the choice cheaper over the two yearsyes, by $2.00
Watch for

Students who see $106 against $108 and stop at 'the buyer was right'. They were, but by two dollars over two years rather than the seventy-four they thought, and only because they stopped before the crossing. Right choice, wrong reason, is the finding, and it is a more interesting one than a blunder.

Challenge Zone

Almost any small change flips it, which is the point: keep it 25 months ($109.50 against $108.50), or make the running cost $3.60 a month ($108.40 against $108.00). The decision was within noise and was made as though it were obvious.

Trimester 2 · Weeks 13 to 24

Money with other people

Splitting a cost evenly, then unevenly with fractions that have to reach one whole, then by use rather than by head count. Then whose the thing is when people paid different amounts. Weeks 18 to 21 are owing, from both sides of the same ledger, and week 21 asks the question most books avoid. Weeks 22 and 23 write the agreement and then break the thing, in that order on purpose.

Week 13Buying It Together

Together · sits beside: Divide with decimals (5.NBT.7)
The point

Splitting evenly is a choice, not a default. The arithmetic is four seconds; everything hard happens before and after it.

Answers and marking
Warm-up, $45 between 3$15.00
Row a, each$15.00
Row b, each$7.50
Row c, each$16.66
Row d, each$3.50
Row e, each$16.66
Rows that do not divide into centsc and e
Row c, left over$0.02
Row e, left over$0.04
Watch for

Students who write $16.67 for row c and move on. Three of those is $50.01, which is a cent more than the cost. Rounded down, $16.66 each leaves two cents over in row c and four in row e. Naming who pays them is the week's real question.

Challenge Zone

Two honest answers: the other three cover the shortfall equally, or the person who pays less owns less, which is week 17. Both are fair and they are not the same agreement.

Week 14Not Everybody Pays the Same

Together · sits beside: Add fractions with unlike denominators (5.NF.1)
The point

An uneven split written as fractions that have to reach one whole. The denominators are deliberately unlike, because 5.NF.1 is the standard that makes an uneven split checkable.

Answers and marking
Warm-up, 1/2 + 1/3 + 1/66/6, which is one whole
Row a, adds to6/6
Row b, adds to4/4
Row c, adds to9/10
Row d, adds to11/12
Row e, adds to8/8
The rows that fall shortc and d
Row c, short by1/10
Row d, short by1/12
Watch for

Students who add the bottom numbers as well as the tops. The bottom is how the cost was cut and counting the pieces does not re-cut it.

Challenge Zone

1/2 and 1/3 leave 1/6. 1/2 and 1/5 leave 3/10. Students who find the second one without a common denominator may have guessed; ask them to check it.

Week 15What Each Share Comes To

Together · sits beside: Multiply a fraction by a whole number (5.NF.4, 5.NF.6)
The point

Turning the fractions into money, which is where an argument about fairness becomes a question with an answer.

Answers and marking
Warm-up, a third of $36$12.00
Row a, Ana$18.00
Row a, Ben$12.00
Row a, Cal$6.00
Row b, Ana$30.00
Row b, Ben$20.00
Row b, Cal$10.00
Row c, Ana$12.00
Row c, Ben$8.00
Row c, Cal$4.00
Row d, Ana$22.50
Row d, Ben$15.00
Row d, Cal$7.50
Row e, Ana$25.00
Row e, Ben$16.66
Row e, Cal$8.33
Rows that do not come out to whole centse
Watch for

Students who stop before adding the three amounts back to the cost. That check is free and it catches a wrong fraction immediately.

Challenge Zone

Any multiple of 6 works, so $6, $12, $18 and so on up to $96. The common feature is exactly that: sixths have to be whole, so the amount has to divide by 6.

Week 16Share by Use

Together · sits beside: Multiply a fraction by a whole number (5.NF.6)
The point

Splitting by use is a different kind of fair, and it only works if somebody counted, which has to be agreed at the start.

Answers and marking
Warm-up, 12 of 20 as a fraction12/20, or 3/5
Row a, your money$24.00
Row b, your money$15.00
Row c, your money$45.00
Row d, your money$5.00
Row e, your money$20.00
Where use and even agreeb
Watch for

Students who put their uses over the other person's uses rather than over the total. Ask whether their fractions add to one whole; they will not.

Challenge Zone

You pay more than an even split would have cost, and you agreed to. The good answers separate being worse off from having been treated unfairly, which are not the same thing and get confused constantly.

Week 17Whose Is It?

Together · sits beside: A fraction as division (5.NF.3)
The point

Fractions can say what each person's share is worth. They cannot say whose shelf it lives on. That is an agreement.

Answers and marking
Warm-up, $18 of $3018/30, or 3/5
Row a, your fraction3/5
Row b, your fraction1/4
Row c, your fraction1/2
Row d, your fraction9/10
Row e, your fraction1/9
Row a, if it sold for half$9.00
Row b, if it sold for half$5.00
Row c, if it sold for half$6.00
Row d, if it sold for half$22.50
Row e, if it sold for half$2.00
Watch for

Students who answer the resale question with the whole half rather than their share of it. Two steps: half of the cost, then their fraction of that.

Challenge Zone

Both lost their share of it, so in fractions they lost equally and in dollars they did not. Getting a student to say both sentences is the week.

Week 18You Owe, or You Are Owed

Owing · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The same fact from two sides, in one ledger, written the day it happens. Memory is generous about what you owe and sharp about what you are owed.

Answers and marking
Warm-up, the net positionyou owe $8.50
Row aI owe $12.50
Row bthey owe me $4.00
Row cnothing either way
Row dI owe $4.50
Row ethey owe me $8.20
Total I owe$23.65
Total I am owed$18.85
So overalla borrower, by $4.80
Watch for

Students who leave row c blank because the answer is nothing. Nothing is the answer and it is the row that argues for the whole ledger.

Challenge Zone

Nothing needs to move: each person is owed and owes the same amount. With four it is the same. Students who see the circle cancel have found something genuinely surprising.

Week 19Paying It Back in Pieces

Owing · sits beside: Divide with decimals (5.NBT.7)
The point

A schedule is an amount and a number of weeks. Anything less is an intention, and both people know it.

Answers and marking
Warm-up, $21 over 6 weeks$3.50
Row a, each week$3.50
Row a, last week$3.50
Row b, each week$3.33
Row b, last week$3.35
Row c, each week$9.00
Row c, last week$9.00
Row d, each week$3.50
Row d, last week$3.50
Row e, each week$4.28
Row e, last week$4.32
Rows that do not divide evenlyb and e
Watch for

Students who round the weekly payment up. Six payments of $3.34 is $20.04, which overpays. Round down and let the last week carry the remainder, and the total is exact.

Challenge Zone

$50 at $8 is six weeks with $2 left, so seven payments with a last one of $2. At $9 it is five weeks and $5, so six with a last one of $5. The good answers notice the last payment is smaller, not larger.

Week 20The Friend Who Forgot

Owing · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Almost nobody is lying. Two payments and a half-remembered third is the shape of thing people lose track of honestly.

Answers and marking
Warm-up, still owed$2.00
Row a, still owed$2.00
Row b, still owed$10.00
Row c, still owed$0.00
Row d, still owed$8.00
Row e, still owed$9.00
The settled rowc
Watch for

Students who treat the whole week as being about catching somebody out. Redirect to row c: the most useful thing you can say to that person is that they are square, and they may be carrying it around.

Challenge Zone

The $2 sentence should be light and specific. The $50 sentence should be specific and unembarrassed. Look for the small one written too heavily or the large one too vaguely; noticing that difference is the lesson.

Week 21Lending, and Whether To

Owing · sits beside: A fraction as division (5.NF.3)
The point

Would I be all right if this never came back. Decide it before, because afterwards you will decide differently.

Answers and marking
Warm-up, what lending cost you$4.00
Row a, share of what you have1/10
Row b, share of what you have9/10
Row c, share of what you have1/12
Row d, share of what you have8/9
Row e, share of what you have1/1, all of it
The rest are judgment callsno single right answer
Watch for

Students who answer on whether the friend is trustworthy. That is the question the week deliberately does not ask, because everybody answers it wrongly for people they like.

Challenge Zone

Reasonable both ways. Taking it can turn a favor into a transaction; refusing it can be its own kind of rudeness. What matters is that the student notices a small sum of money has changed what the relationship is.

Week 22An Agreement, in Writing

Together · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Five questions, answered while you still agree about them, and read out loud so the different assumptions surface.

Answers and marking
Warm-up, 3/5 of $50$30.00
Warm-up, 2/5 of $50$20.00
The five lines are the student's ownno single right answer
Watch for

Students who write the agreement alone and never read it out. The reading is the part that works: it catches the thing each person assumed and neither said.

Challenge Zone

What happens if one of us wants to sell it, what if a third person wants to use it, and what if one of us loses it are all good answers. Any question that names a real situation the five lines miss is a good answer.

Week 23When It Breaks

Together · sits beside: Multiply a fraction by a whole number (5.NF.6)
The point

The agreement either answers this or it does not, and now the student finds out which rather than being told it matters.

Answers and marking
Warm-up, 3/5 of $18$10.80
Row a, by shares$10.80 and $7.20
Row a, evenly$9.00
Row b, by shares$15.00 and $10.00
Row b, evenly$12.50
Row c, by shares$24.00 and $16.00
Row c, evenly$20.00
Row d, by shares$7.20 and $4.80
Row d, evenly$6.00
Row e, by shares$18.00 and $12.00
Row e, evenly$15.00
Row c, the two answers leftsplit by shares, or split evenly
Watch for

Students who decide the person who broke it always pays. It is one of three defensible answers and it is the one that makes people hide accidents, which is worth saying out loud.

Challenge Zone

In row c nobody broke it, so 'whoever broke it pays' is unavailable and one of the other two has to do the work. A rule that fails on the most ordinary case, a thing wearing out, is not a good rule.

Week 24The Sharing Page

Review · sits beside: Word problems with unlike denominators (5.NF.2)
The point

Everything from the sharing trimester on one page, with two checks that have to agree with each other.

Answers and marking
Warm-up, 1/4 + 1/3 + 5/1212/12, which is one whole
The page is the student's ownno single right answer
The two checksthe fractions reach one whole, and the amounts add back to the cost
Watch for

Empty boxes are the useful part of this week, not a failure to finish. A box nobody can fill is a question nobody has asked, and every one of them gets harder to ask later.

Challenge Zone

A person joining halfway makes the shares depend on time as well as money, which is week 16's split-by-use idea arriving in a harder form. Any reasonable treatment is a good answer.

Trimester 3 · Weeks 25 to 36

Deciding well

Decisions with more than one number in them, and the habit of naming the number that would change your mind. Then the two arrangements a fifth grader meets most, paying monthly and borrowing, both answered with week 9's crossover. Weeks 31 to 34 turn the year on the student's own life, ending with the pattern in their own decisions, which is worth more than any rule in the book.

Week 25The Decision With Two Numbers

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Write both numbers before choosing. Whichever is easiest to work out becomes the decision otherwise, and money is always the easiest.

Answers and marking
Warm-up, $56 over 8 weeks$7.00
Row a, the money$2.00
Row a, the other thing20 minutes
Row b, both come to$56.00
The rest are judgment callsno single right answer
Watch for

Students who fill in the money column and treat the page as finished. The second column is the week; the first is arithmetic they could already do.

Challenge Zone

Row b is about when you have the money rather than how much, which is a genuinely different question and is week 28.

Week 26And Then a Third

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Rank the three rather than scoring them. Scoring launders a choice into something that looks objective.

Answers and marking
Warm-up, $90 over 3 years$30.00
The rankings are the student's ownno single right answer
Needed within daysb and e
Used for yearsa and c
Which comes first for each pairusually soon for b and e and good for a and c; a student who argues otherwise with a reason is not wrong
Watch for

Students who rank the same way for every row. Ask them about row b and row c together: a snack now and a bike for years are not the same kind of decision and a single ranking cannot serve both.

Challenge Zone

Two people give the same options different scores and get different totals, which is fine, except that the method presents the result as though it came from the options rather than from the scorer.

Week 27What Would Change Your Mind?

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Name the number that would change your mind. It is most of the thinking and almost nobody does it.

Answers and marking
Warm-up, the gap$8.00
Row a, what would change ita price of $30 or less
The rest are the student's ownno single right answer
Row e, the kind of numbera number of uses or a stretch of time; either is right, and the value is the student's own
Watch for

Students who write 'if it were cheaper'. Push for the actual figure. The difference between cheaper and $30 is the whole week.

Challenge Zone

Sometimes it is the right answer, for something you would never do at any price. Usually it means the decision was not made on the reasons given, and saying which of the two it is takes honesty rather than arithmetic.

Week 28Deciding for Later You

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The cost lands on somebody who is not in the room, and it is the student in eight months.

Answers and marking
Warm-up, $4 a month for 8 months$32.00
Row a, later pays$32.00
Row b, later pays$36.00
Row c, later pays$54.00
Row d, later pays$0.00
Row e, later pays$40.50
Cheapest today, most expensive laterrow c
Watch for

Students who read row d as the expensive one because $140 is the biggest number on the page. It is the only row where nothing arrives later, which is worth something the page has not priced.

Challenge Zone

A useful note names the amount, the date it stops, and what it was for. Notes that only say 'you decided this' are the ones later you resents.

Week 29Every Month, Forever

Per Use · sits beside: Multiply and divide multi-digit numbers (5.NBT.5, 5.NBT.7)
The point

Paying monthly is not a trick and it has no end. Nobody ever schedules the stopping.

Answers and marking
Warm-up, $7 a month for 3 years$252.00
Row a, 1 year$84.00
Row a, 3 years$252.00
Row a, monthly wins under18 months
Row b, monthly wins under15 months
Row c, monthly wins under40 months
Row d, monthly wins under5 months
Row e, monthly wins under50 months
Watch for

Students who conclude monthly is always worse. It is better for a short need and for anybody who cannot assemble the price at once, and the second of those is a real reason, not a failing.

Challenge Zone

How long the bought one lasts, whether it gets replaced with a newer one, and whether you could actually put the price together at all. Any of the three is a good answer.

Week 30Own It or Borrow It

Per Use · sits beside: Divide with decimals (5.NBT.7)
The point

Borrowing has a price. For a short enough job it is the cheaper one, and the number people get wrong is how many days.

Answers and marking
Warm-up, days to break even18 days
Row a, days18 days
Row b, days5 days
Row c, days36 days
Row d, days2.4 days
Row e, days25 days
Rows where you should buyc
The close onerow d
Watch for

Students who compare the buying price with the daily price directly. The answer is a number of days and it comes from dividing one by the other.

Challenge Zone

Sixteen days over two years against $80 means owning wins on money at $10 a day. Good answers also ask whether it will still be borrowable next year, which is a risk with no price.

Week 31The Real Comparison

Comparing · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Every tool in the book, at once, on a decision the student might actually make.

Answers and marking
Warm-up, price plus 12 months$65.00
The comparison is the student's ownno single right answer
The periodthe student's own, written in the blank before any row is filled
Watch for

Students who fill in the period after the arithmetic. It is the one thing on this page that has to be decided first, and week 8 said why.

Challenge Zone

If the winner changes with the period, the honest period is the one that matches how long they will really have it, which is a fact about them rather than about the options.

Week 32A Decision You Already Made

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Costing an old decision honestly, which is the only way this year turns into a habit rather than a set of worksheets.

Answers and marking
Warm-up, $48 over 6 uses$8.00
The decision is the student's ownno single right answer
Two rulescount real uses, and include what it has cost since
Watch for

Students who quietly revise the number of uses upward once they see the cost per use. Have them write the count down before doing the division.

Challenge Zone

The interesting finding can be about a kind of decision rather than a thing: bought in a hurry, bought with somebody else, bought after waiting. That is week 34 and it is worth letting them get there early.

Week 33Was It Worth It?

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

Cost per use tells you what you paid for each use. It cannot tell you what each use was worth, and no arithmetic can.

Answers and marking
Warm-up, which was worth morenot a question arithmetic can answer
The judgments are the student's ownno single right answer
Row e, why there is no answeryou cannot divide by zero uses
Watch for

Students who treat a low cost per use as automatically good. Row d is five cents a use and disliked every time, which is the counterexample the page puts there on purpose.

Challenge Zone

Neither is wrong. They agree on the number and disagree about the value, which is exactly the split this week is teaching, and a student who says so has understood it.

Week 34The One You Would Do Again

Deciding · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The pattern in a student's own decisions is worth more than any rule in this book, because it came out of their own numbers.

Answers and marking
Warm-up, the cheapest per use$0.20 a use
The pattern is the student's ownno single right answer
The sentence must beshort enough to remember and specific enough to act on
Watch for

Sentences like 'think about it more' are not finished. Push for something that names a condition: wait two weeks, or never buy this kind of thing with somebody else.

Challenge Zone

Because the rule is about their own habits and situation, not about money. A true rule about a person does not transfer, and noticing that is more useful than any particular rule.

Week 35Your Cost Book, Finished

Review · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The book, finished, in one piece. Fifteen pages of a student's own numbers about their own things.

Answers and marking
Warm-up, decisions in twelve pages36
Pages in the Cost Book15
Watch for

Students with gaps. Have them fill them from the workbook page rather than skipping; a book with a gap filled late is still a book and one abandoned in March is not.

Challenge Zone

What they would add is the most useful thing a teacher can send back about this year, and it is worth collecting.

Week 36The Price Is Not the Cost

Review · sits beside: Operations with decimals to hundredths (5.NBT.7)
The point

The price is the number they show you. The cost is the number you work out. That is the year.

Answers and marking
Warm-up, the whole cost$100.00
The last questions are the student's ownno single right answer
Watch for

Students who answer row e yes because it is polite. Say out loud that no is allowed and mean it, or row e collects nothing worth reading.

Challenge Zone

The missing week might be about earning, about giving, or about somebody else deciding for you. Any of those is a real gap and the student naming one has read the year as a whole.

The strands

Running CostsWhat a thing keeps costing after it is paid for, including the one nobody names: that it eventually has to be replaced.
Per UseThe whole cost divided by the times it actually got used. The number that settles arguments about whether something was expensive, and it cuts both ways.
ComparingTwo options over the same stretch of time, the month they cross, and the reasons that have no dollar amount and belong in the decision anyway.
TogetherOne cost, more than one person. Even splits, uneven splits as fractions with unlike denominators, splitting by use, and who owns what afterwards.
OwingMoney that is somebody else's and is with you, or yours and is with them. Both go in the same ledger, on the day.
DecidingDecisions with more than one number, ranked rather than scored, and the habit of naming what would change your mind.
ReviewPulling a trimester into something a student could act on.

Four 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 The Numbers Year, which is also Grade 5 and is a different book in a different folder. This one is about the student’s own things and their own agreements, and the two never meet.

Nobody is asked what anything costs at their house. Every amount is the student’s own or is printed on the page. If a child volunteers a family amount, do not write it on the board, do not compare it with anybody else’s, and move back to the page.

No decision is marked right or wrong. A student's own agreement, their own shares, their own old purchase costed honestly: none of those has a right answer. What can be marked is the arithmetic inside them, and there is plenty of it: whether the shares reach one whole, whether the amounts add back to the cost, whether the cost per use was divided the right way round. Whether a thing was worth buying is not a question this guide answers, and a teacher who answers it will get pages written to please them rather than pages that are true.

Nobody is charged for lending. Weeks 18 to 21 are about money owed between friends, and none of it earns anything. Nobody in this book pays back more than they borrowed, and week 21's challenge asks a student what they would do if somebody offered. Interest is Grade 8 in the pathway and it stays there.