Stewardship Student Workbook (2nd Ed.)



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The Stewardship Student Workbook includes thirty-six lessons organized into a weekly format, with five worksheets per lesson. Ten questions per lesson include seven problems from the lesson’s consumer math topic, two covering the Biblical Principles and Scripture Studies, and one question written to encourage family discussion.

Most of the content in this curriculum is derived from Steve’s own experience, but it is written to encourage family discussion about finances and values.

This second edition does not include a Tests book. If tests are desired, the instructor should set aside one worksheet per lesson to serve as the test.


A Biblical Approach to Personal Finance

Stewardship, 2nd Edition, is consumer math taught from a biblical perspective. With Steve Demme’s signature humility, humor, and sharp math skills, practical math instruction is combined with Biblical principles of finance and discipleship material. The second edition is updated with current topics relevant to young people aged 15-17, who are beginning to explore more independent financial opportunities and responsibilities.

Consumer Math Topics:

  • Banking & Budgeting
  • Credit Cards
  • Comparison Shopping
  • Cost of Owning a Vehicle
  • Cost of Post-Secondary Education
  • Christian Micro-Finance
Biblical Topics:

  • The Love of Money
  • Loving God and Belonging to God
  • Trusting God and Being Content
  • Guard Your Heart
  • Giving from a Redeemed Heart
  • The Ministry and Work of the Spirit


View Stewardship Sample Lesson PDF 


Consumer Math Table of Contents

  • Earning Money
  • Percent
  • Income Tax
  • Banking
  • Checking
  • Budgeting
  • Wholesale and Retail Prices and Percentages
  • Credit Cards
  • Comparison Shopping
  • Best Value
  • Purchasing and Owning a Vehicle
  • Operating Expenses for a Vehicle
  • Buying a House and Understanding Mortgages
  • Cost of Owning a Home
  • DIY or Hiring a Contractor, Roofing, Painting, and Siding
  • Haggling, Rent or Buy a Tool, Flooring and Fabric
  • Concrete and Stone
  • Plumbing and Electrical
  • Lumber, Insulation, Simple Metric Measures
  • Humble Pie, Eating Out, Making Change, Travel Tips
  • Eating and Drinking
  • Temple Maintenance
  • Insurance and Assurance
  • Medical Insurance and Bearing One Another’s Burdens
  • Cost of Post Secondary Education
  • Post High School Alternatives
  • Applying for Work and Understanding Yourself
  • Entrepreneur
  • Employer or Employee
  • Compound Interest
  • Investing
  • Traditional Charity: Praying, Giving, Going
  • A Better Response to Traditional Forms of Charitable Giving
  • Ministering to the Whole Man Through Christian Micro-Finance
  • The Great Commission
  • The Poor, The Crippled, The Lame, The Blind

Additional information

Weight 4 lbs
Dimensions 11 × 9 × 1 in