Curriculum Alignment: Newfoundland and Labrador

Part of the Canadian Provincial Curriculum Alignment series.

A three-book Canadian financial-literacy workbook series by Michael McCracken: Book 1 — The Money Starter Pack (foundations, suggested Grades 6–9), Book 2 — The Grind (paycheques, taxes, credit, investing; Grades 9–12), Book 3 — Endgame (advanced planning; senior grades/adult). Print workbooks, 8.5×11, greyscale, with write-in activities throughout. Financial outcomes sit in the Grade 10–12 mathematics program under the shared Atlantic framework, with Career Development providing the workplace context.

NL’s mathematics program (academic and applied streams) carries financial applications under the Atlantic (CAMET) foundation the province co-developed with NB and PEI; Career Development courses add earning and workplace outcomes.

How The Money Skill Tree maps to the Newfoundland and Labrador curriculum

Provincial/territorial anchor	Coverage in The Money Skill Tree (Canadian Edition)
Mathematics 1201 / applied stream — financial applications: income, unit pricing and currency exchange, budgets	B2 Ch 1–2 (income types with worked examples; deductions); B1 Ch 3 (unit pricing), Ch 2 (currency conversion), Ch 9 (budgeting with worked splits)
Senior applied mathematics — credit, loans, housing, vehicle ownership	B2 Ch 5 (credit scores and loan comparisons); B1 Ch 10 (borrowing cost); B3 Ch 1 (home purchase and rent-vs-buy); B1 Ch 8 (depreciation)
Career Development — work readiness, income, workplace decisions	B1 Ch 4 (side hustles, pricing, safety); B2 Ch 1 (reading a first pay stub); B3 Ch 3 (negotiation)

B1 = Book 1 (The Money Starter Pack) · B2 = Book 2 (The Grind) · B3 = Book 3 (Endgame) · “Ch” = chapter.

Instructional features

Every chapter closes with a hands-on Skill Quest and Elite Quest (write-in activities with worked examples), Guild Chat discussion prompts (adaptable to pair-share or guest-speaker formats), a SOLO reflection prompt, and a self-assessment Summary Checklist. All dollar figures, tax rates, and contribution limits reflect 2026 published values, with in-text reminders to verify current rates at canada.ca.

Scope

NL course codes and stream names are under periodic renewal — verify against current program of studies. The Nova Scotia one-pager’s FM01–FM04 outcome mapping transfers to the corresponding NL outcomes under the shared framework.