Numeracy and Financial Literacy Skills
While LINC instruction in Canada is focused on language learning, not mathematical learning, numeracy and financial literacy are still important considerations for teaching learners at all LINC levels, from EAL Literacy to CLB 8.
Numeracy is the ability to use mathematical or number-related knowledge and apply strategies to solve problems in real-world contexts. Financial literacy is a key part of numeracy, and involves the knowledge, skills and confidence to make responsible financial decisions (Task Force on Financial Literacy, 2010). Both numeracy and financial literacy involve an understanding of numerical concepts as well as of the language to express that understanding. Numeracy and financial literacy are relevant aspects of several common LINC themes, such as employment, housing, banking, shopping, and consumer matters.
For any theme or real-world task you address in your class, consider the numerical or financial-related language, concepts and background knowledge learners need in order to perform the task effectively. For example, for the task “identify information on a pay stub,” learners may need to read money amounts, identify mandatory deductions, understand rates for overtime pay and deduction rates for CPP or income tax.
Incorporating numeracy and financial literacy instruction is different in mainstream classes than in EAL literacy classes. In mainstream classes, learners often already have numeracy skills. They understand numeracy concepts and mathematical processes, but may lack the English to express them. Instructors should still be aware of the numeracy-related components to tasks and check whether learners have the background knowledge, skills and language to complete the task. This may include, where relevant to the task or theme, the language for identifying, expressing, describing, and comparing numbers, operations, money, measurements, time, and data.
These numeracy-related language components range in complexity. A simple example is recognizing that numbers may be written slightly differently, for example, a comma may be used in numbers instead of a decimal in some countries. A more complex example is the ability to describe trends illustrated in an inflation chart or to compare Canada’s progressive income taxation system with a flat, uniform taxation system
of another country. Here are a few examples at different CLB levels:
- A CLB 2 task confirming an appointment might require understanding time formats (2:00 pm or 14:00) and date formats (dd/mm/yy or YYYY-MM-DD).
- A CLB 4 task around grocery shopping might require expressing prices (dollars and cents) or calculating discounts (percentages).
- A CLB 7 task interpreting statistical information might require analyzing, comparing and expressing the information found in charts and graphs.
EAL Literacy Learners
In ESL for ALL, the CCLB recognizes the importance of the development of numeracy in EAL literacy learners. They divide numeracy into five categories and outline the developmental stages of numeracy learning for each: number, money, measurement, time and data concepts. There is usually no correlation between a learner’s EAL literacy l and numeracy skills: a learner may have higher EAL literacy or higher numeracy depending on their experience.
The CCLB recommends explicit instruction in numeracy for EAL literacy learners, noting that “to cope with everyday numeracy demands in the home, the community and the workplace, adult ESL Literacy learners not only have to develop understanding of mathematical concepts, but also learn related English vocabulary, and cultural differences in methods of computation, ways to solve problems, and mathematical symbols” (2016, p.19).
EAL literacy instructors should also be aware of the numeracy demands, often somewhat hidden, in language tasks and recognize that learners may not be able to complete tasks, not due to their language or EAL literacy level but because of their numeracy skills. Tasks that include identifying, comparing or organizing amounts, measurements, time and data all require numeracy skills.
Useful Resources and References
Related Essential Components
External Resources
- ABC Life Literacy Canada’s Money Matters: Free financial literacy resources
- Language for Success: Numeracy (link when available)
- NorQuest College has CLB 3 LINC Works Numeracy Activities
- Numeracy
- Select themes from Avenue’s Course Builder with numeracy or financial literacy topics, such as Banking and financial Services.
- Skills for Success: Numeracy
- TIES’ Literacy Centre of Expertise at has a Canadian Currency Literacy Skill-Building Resource
- The Toronto Catholic District School Board’s English for Financial Literacy, Volumes 1-3 has instructor resources for teaching financial literacy concepts and skills at CLB levels 1-8
References