Everyday mathematics: money, time, travel, finance

Cambridge IGCSE Mathematics (0580) – Number, Algebra, Geometry & Real‑World Applications

Learning Objectives

  • Apply numerical techniques to everyday situations involving money, time, travel and finance.
  • Develop fluency with core Number concepts: fractions, decimals, percentages, ratios, rates, sets, powers, roots, indices, standard form, estimation, HCF/LCM, prime, square & cube numbers, irrational numbers and reciprocals.
  • Use algebraic methods to simplify expressions, solve linear & quadratic equations, inequalities, simultaneous equations, sequences and interpret straight‑line graphs.
  • Work confidently with coordinate geometry, basic geometry terminology, constructions, mensuration and introductory trigonometry.
  • Extend learning to surds, exponential growth/decay, compound interest and other Extended‑tier topics.

1. Number (Core C1.1 – C1.17 & Extended)

1.1 Whole Numbers, Prime, Square & Cube Numbers

  • Identify prime numbers (only 1 and itself as factors).
  • Recognise square numbers (1, 4, 9, 16, …) and cube numbers (1, 8, 27, 64, …).
  • Find the highest common factor (HCF) and lowest common multiple (LCM) of two or more integers.

Example: Numbers 12 and 18 → HCF = 6, LCM = 36.

1.2 Fractions, Decimals & Reciprocals

  • Place value, rounding, upper & lower bounds.
  • Operations with proper, improper and mixed fractions.
  • Convert between fractions, decimals and percentages.
  • Reciprocal of a non‑zero number = 1 ÷ number.

Example: \(\displaystyle \frac{3}{4}=0.75\) and \(\displaystyle \frac{1}{0.75}= \frac{4}{3}=1.\overline{3}\).

1.3 Percentages

  • Percentage = \(\dfrac{\text{Part}}{\text{Whole}}\times100\%\).
  • Finding a percentage of a quantity, percentage increase/decrease, reverse‑percentage problems.
  • Successive percentage changes: multiply the factors.

Discount: \(\displaystyle \text{Discounted price}=P\Bigl(1-\frac{d}{100}\Bigr)\).
Profit / Loss: \(\displaystyle \text{Profit}=S-C,\;\text{Loss}=C-S\).
Reverse‑percentage: Original price = \(\displaystyle \frac{\text{Sale price}}{1-\frac{d}{100}}\).

1.4 Ratios & Rates (C1.9 – C1.10)

  • Write, simplify and divide quantities in a given ratio.
  • Rates are ratios with a unit (e.g., km h⁻¹, $ kg⁻¹).
  • Direct proportion: \(y=kx\).
    Inverse proportion: \(y=\dfrac{k}{x}\).

1.5 Sets (Core C1.2)

  • Notation: \(\{a,b,c\}\) (set), \(\in\) (member of), \(\subset\) (subset).
  • Two‑set Venn diagrams – union \(\cup\), intersection \(\cap\), complement \('\).
  • Cardinality \(|A|\) = number of elements in set \(A\).

Example: \(A=\{1,2,3,4\},\;B=\{3,4,5\}\).
\(A\cup B=\{1,2,3,4,5\},\;A\cap B=\{3,4\},\;|A\cup B|=5.\)

1.6 Powers, Indices & Roots (C1.11 – C1.13)

  • Positive, zero and negative indices: \(a^0=1\), \(a^{-n}=1/a^{\,n}\).
  • Product, quotient and power‑of‑a‑power rules.
  • Square \(\sqrt{a}\) and cube \(\sqrt[3]{a}\) roots; higher roots as needed.

Example: \((2^{3})^{2}=2^{6}=64.\)

1.7 Surds & Irrational Numbers (Extended E1.18)

  • Surd = irrational root that cannot be simplified to a terminating decimal (e.g., \(\sqrt{2},\;\sqrt[3]{5}\)).
  • Simplify surds: factor out squares/cubes.
    \(\sqrt{72}= \sqrt{36\times2}=6\sqrt{2}\).
  • Rationalise denominators: \(\dfrac{1}{\sqrt{3}}=\dfrac{\sqrt{3}}{3}\).

1.8 Standard Form & Estimation (C1.14 – C1.15)

  • Standard form: \(a\times10^{n}\) with \(1\le a<10\).
  • Upper & lower bounds, significant figures, rounding.

Example: \(4\,560\,000 = 4.56\times10^{6}\).
Measurement 3.27 m to 2 sf → bounds \(3.25\le x<3.35\) m.

1.9 Simple & Compound Percentage Problems (Extended)

  • Successive changes: multiply each factor \((1\pm p/100)\).
  • Compound growth/decay: \(A=P\left(1\pm\frac{r}{100}\right)^{t}\).

2. Algebra (Core C2.1 – C2.10 & Extended)

2.1 Substituting & Simplifying (C2.1)

Replace variables with numbers and use the order of operations.

Example: For \(3x^{2}-2x+5\) with \(x=2\): \(3(2)^{2}-2(2)+5=13.\)

2.2 Expanding & Factorising (C2.2 – C2.3)

  • Common factor: \(3a+3b=3(a+b)\).
  • Bracket expansion: \((x+4)(x-3)=x^{2}+x-12\).
  • Quadratic factorising: \(x^{2}+5x+6=(x+2)(x+3)\).
  • Completing the square (Extended E2.5): \(x^{2}+6x= (x+3)^{2}-9\).

2.3 Solving Linear Equations (C2.4)

Standard form \(ax+b=c\). Isolate \(x\) by inverse operations.

Example: \(4x-7=9\) → \(x=4\).

2.4 Solving Inequalities (C2.6)

  • Treat like equations, but reverse the inequality sign when multiplying/dividing by a negative number.
  • Represent solutions on a number line (open/closed circles).

Example: \(3x-5>4\) → \(x>\dfrac{9}{3}=3\). Solution: \((3,\infty)\).

2.5 Sequences (C2.7)

  • Arithmetic sequence: \(a_{n}=a_{1}+(n-1)d\).
  • Geometric sequence (Extended): \(a_{n}=a_{1}r^{\,n-1}\).

Example: First term 7, common difference 4 → \(a_{5}=7+4(4)=23\).

2.6 Simultaneous Linear Equations (C2.5)

  • Substitution or elimination.

Example (Elimination): \[ \begin{aligned} 2x+3y&=12\\ 4x-y&=5 \end{aligned} \] Multiply second by 3: \(12x-3y=15\). Add to first: \(14x=27\) → \(x=\dfrac{27}{14}\). Substitute: \(y=\dfrac{12-2x}{3}= \dfrac{12-2\cdot27/14}{3}= \dfrac{30}{42}= \dfrac{5}{7}\).

2.7 Quadratic Equations (Extended E2.2)

  • Factorising (when possible).
  • Completing the square.
  • Quadratic formula: \(x=\dfrac{-b\pm\sqrt{b^{2}-4ac}}{2a}\).

Example: \(x^{2}-5x+6=0\) → \((x-2)(x-3)=0\) → \(x=2\) or \(x=3\).

2.8 Linear Graphs (C2.8 – C2.10)

  • Equation of a straight line: \(y=mx+c\).
  • Gradient \(m=\dfrac{\Delta y}{\Delta x}\); intercept \(c\) is the value of \(y\) when \(x=0\).
  • Reading values from a graph and solving equations graphically.
  • Parallel lines: same gradient; perpendicular lines: product of gradients \(-1\).

Example: Line through \((0,2)\) and \((4,10)\) → \(m=\dfrac{10-2}{4-0}=2\) → equation \(y=2x+2\).


3. Coordinate Geometry (Core C3.1 – C3.7)

3.1 Plotting Points & Reading Coordinates

  • Ordered pairs \((x,y)\) on a Cartesian plane.
  • Quadrants, axes and origin.

3.2 Gradient & Equation of a Straight Line

  • Gradient formula \(m=\dfrac{y_{2}-y_{1}}{x_{2}-x_{1}}\).
  • Point‑slope form: \(y-y_{1}=m(x-x_{1})\).
  • Slope‑intercept form: \(y=mx+c\).

3.3 Mid‑point Formula (C3.3)

\[ M\left(\frac{x_{1}+x_{2}}{2},\;\frac{y_{1}+y_{2}}{2}\right) \]

3.4 Distance Formula (C3.4)

\[ d=\sqrt{(x_{2}-x_{1})^{2}+(y_{2}-y_{1})^{2}} \]

3.5 Parallel & Perpendicular Lines (C3.5 – C3.6)

  • Parallel: same gradient \(m\).
  • Perpendicular: gradients satisfy \(m_{1}m_{2}=-1\).

3.6 Equation of a Circle (Extended E3.7)

\[ (x-h)^{2}+(y-k)^{2}=r^{2} \] where \((h,k)\) is the centre and \(r\) the radius.


4. Geometry (Core C4.1 – C4.8)

4.1 Geometrical Terminology

TermDefinition / Example
PointExact location, no size.
LineInfinite length, no thickness.
Line segmentPart of a line bounded by two points.
RayStarts at a point and extends infinitely in one direction.
AngleSpace between two rays sharing a vertex (measured in degrees).
PolygonClosed figure formed by straight lines (triangle, quadrilateral, …).
CircleSet of points equidistant from a centre.

4.2 Angles & Bearing (C4.2 – C4.4)

  • Types: acute < 90°, right = 90°, obtuse > 90° & < 180°, reflex > 180°.
  • Sum of interior angles of an \(n\)-gon: \((n-2)\times180^\circ\).
  • Bearings measured clockwise from north (0°–360°).

4.3 Construction Tasks (C4.5)

  • Construct a triangle given three sides (SSS) or two sides and the included angle (SAS).
  • Construct a perpendicular bisector of a given segment.

4.4 Similar & Congruent Figures (C4.6 – C4.7)

  • Similar: same shape, proportional sides, equal corresponding angles.
  • Scale factor \(k\): side lengths multiplied by \(k\); areas multiplied by \(k^{2}\).
  • Congruent: identical size and shape (all corresponding sides and angles equal).

4.5 Pythagoras’ Theorem (C6.1 – Core)

In a right‑angled triangle, \(a^{2}+b^{2}=c^{2}\) where \(c\) is the hypotenuse.


5. Mensuration (Core C5.1 – C5.5)

5.1 Perimeter & Circumference

  • Rectangle: \(P=2(l+w)\).
  • Circle: \(C=2\pi r =\pi d\).

5.2 Area of Plane Figures

  • Triangle: \(\displaystyle A=\frac{1}{2}bh\) or \(\displaystyle A=\frac{1}{2}ab\sin C\).
  • Parallelogram: \(A=bh\).
  • Trapezium: \(\displaystyle A=\frac{1}{2}(b_{1}+b_{2})h\).
  • Circle: \(\displaystyle A=\pi r^{2}\).

5.3 Surface Area & Volume of Solids (Core)

  • Cuboid: \(SA=2(lw+lh+wh),\; V=lwh\).
  • Cylinder: \(SA=2\pi r h+2\pi r^{2},\; V=\pi r^{2}h\).
  • Cone: \(SA=\pi r(r+\sqrt{r^{2}+h^{2}}),\; V=\dfrac{1}{3}\pi r^{2}h\).
  • Sphere: \(SA=4\pi r^{2},\; V=\dfrac{4}{3}\pi r^{3}\).

5.4 Compound Shapes

Break a figure into known shapes, calculate each area/volume, then add or subtract as required.


6. Trigonometry (Core C6.1 – C6.2 & Extended)

6.1 Right‑Angle Trigonometric Ratios

  • For a right‑angled triangle with angle \(\theta\):
    \(\displaystyle \sin\theta=\frac{\text{opposite}}{\text{hypotenuse}},\; \cos\theta=\frac{\text{adjacent}}{\text{hypotenuse}},\; \tan\theta=\frac{\text{opposite}}{\text{adjacent}}.\)
  • Use calculator in degree mode unless otherwise specified.

6.2 Solving Practical Problems

  • Finding heights or distances using bearings and trigonometric ratios.
  • Angle of elevation/depression problems.

Example: A lighthouse is 30 m tall. From a boat the angle of elevation to the top is \(15^\circ\). Distance from boat to base \(= \dfrac{30}{\tan15^\circ}\approx 109.5\) m.


7. Money – Real‑World Applications

7.1 Currency Conversion & Budgeting

FromToRate (1 unit = ?)
GBP (£)USD ($)1.28
GBP (£)EUR (€)1.18
USD ($)EUR (€)0.92

Convert £120 to dollars: \(120\times1.28= \$153.60\).

7.2 Budgeting Example

Weekly allowance £25. Expenditure: transport £8, food £6.
Remaining: \(25-8-6 = £11\).

7.3 Profit, Loss & Mark‑up

  • Mark‑up % = \(\dfrac{S-C}{C}\times100\%\).
  • Discount % = \(\dfrac{d}{100}\) where \(d\) is the percent reduction.

Example: Cost = £45, selling price = £55 → Mark‑up = \(\dfrac{10}{45}\times100\%≈22.2\%\).


8. Time – Conversions & Clock Skills

8.1 Unit Conversions

\[ 1\text{ hour}=60\text{ min}=3600\text{ s},\qquad 1\text{ day}=24\text{ h}=1440\text{ min}=86\,400\text{ s}. \]
UnitEquivalent in Seconds
1 minute60
1 hour3 600
1 day86 400
1 week604 800

8.2 12‑hour ↔ 24‑hour Clock

  • pm → add 12 (except 12 pm stays 12:00).
  • am → keep hour (except 12 am = 00:00).

Examples: 3:45 pm = 15:45; 22:10 = 10:10 pm; 12:00 am = 00:00.

8.3 Time‑Word Problems

Work in minutes or seconds, then convert back.

Example: Film starts 19:20, lasts 2 h 15 min → finishes 21:35.


9. Travel – Speed, Distance & Time

9.1 Fundamental Relationship

\[ v=\frac{d}{t},\qquad d=v\,t,\qquad t=\frac{d}{v} \] \(v\) in km h⁻¹, \(d\) in km, \(t\) in hours.

9.2 Worked Example

Car travels 150 km at 75 km h⁻¹ → \(t=150/75=2\) h.
If journey must be 1.5 h, required speed \(v=150/1.5=100\) km h⁻¹.

9.3 Timetable Calculations

ServiceDepartureTravel TimeArrival
Train A08:152 h 30 min10:45
Bus B09:001 h 45 min10:45

Interval between services: convert to minutes (08:15 = 495 min, 09:00 = 540 min) → 45 min.

9.4 Gradient Interpretation (Link to Algebra)

On a distance‑time graph, gradient = speed. Line through \((0,0)\) and \((3,150)\) → gradient \(=150/3=50\) km h⁻¹.


10. Finance – Interest, Loans & Growth

10.1 Simple Interest (Core)

\[ I = P\,r\,t \] \(P\) = principal, \(r\) = annual rate (decimal), \(t\) = years.
Example: £800 at 5 % for 3 years → \(I=800\times0.05\times3=£120\); total = £920.

10.2 Compound Interest (Core & Extended)

\[ A = P\left(1+\frac{r}{n}\right)^{n t} \] \(n\) = number of compounding periods per year.
Example: £1 200 at 4 % compounded quarterly for 2 years → \(A=1200(1+0.04/4)^{8}\approx£1\,299.48.\)

10.3 Exponential Growth / Decay (Extended)

\[ A = P\left(1+\frac{r}{100}\right)^{t}\quad\text{(growth)}, \qquad A = P\left(1-\frac{r}{100}\right)^{t}\quad\text{(decay)}. \]

10.4 Loan Repayment – Annuity Formula (Core)

\[ R = P\;\frac{r/12}{1-(1+r/12)^{-m}} \] \(R\) = monthly repayment, \(P\) = loan amount, \(r\) = annual rate (decimal), \(m\) = total months.
Example: £5 000 loan, 6 % p.a., 36 months → \(R\approx£152.99\) per month.

10.5 Investment & Depreciation (Extended)

  • Future value of regular deposits (ordinary annuity): \(A = d\;\dfrac{(1+r)^{n}-1}{r}\) where \(d\) is the deposit each period.
  • Depreciation using straight‑line method: \(\displaystyle \text{Annual depreciation}= \frac{\text{Cost}-\text{Residual}}{\text{Life}}\).

11. Quick Reference Tables

11.1 Common Formulas

TopicFormula
Percentage change\( \text{New}=P\left(1\pm\frac{p}{100}\right) \)
Speed‑distance‑time\(v=\dfrac{d}{t},\;d=vt,\;t=\dfrac{d}{v}\)
Simple interest\(I=Prt\)
Compound interest\(A=P\left(1+\dfrac{r}{n}\right)^{nt}\)
Gradient\(m=\dfrac{y_{2}-y_{1}}{x_{2}-x_{1}}\)
Mid‑point\(\left(\dfrac{x_{1}+x_{2}}{2},\dfrac{y_{1}+y_{2}}{2}\right)\)
Distance\(d=\sqrt{(x_{2}-x_{1})^{2}+(y_{2}-y_{1})^{2}}\)
Area of triangle (SAS)\(A=\tfrac12ab\sin C\)
Volume of cylinder\(V=\pi r^{2}h\)
Quadratic formula\(x=\dfrac{-b\pm\sqrt{b^{2}-4ac}}{2a}\)

11.2 Common Conversions

FromToFactor
Hours → MinutesMinutes\(\times60\)
Minutes → SecondsSeconds\(\times60\)
Days → HoursHours\(\times24\)
£ → $$\(\times1.28\)
$ → €\(\times0.92\)

12. Tips for Exam Success

  • Read the question carefully – identify which syllabus code(s) are being tested.
  • Show all working; marks are awarded for method as well as final answer.
  • Check units and convert early to avoid mistakes.
  • For percentage and finance problems, keep intermediate results to 3‑4 sf then round only at the end.
  • Use a calculator only where permitted; practice mental estimation for speed.
  • When working with graphs, label axes clearly and use the correct scale.

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