Resources: DBE NOV 2020, 2021, 2022, 2023. EC NOV 2023
Important:
These study notes are reviewed and updated annually to align with the CAPS curriculum and
current exam requirements.
They are designed to help learners:
1. Understand Key Concepts
2. Practice exam-style questions
3. Identify important themes and patterns in assessments
To ensure that learners are working with the most relevant and up-to-date content, parents and
learners are encouraged to confirm that they are using the latest version of the notes. If you are
unsure whether you have the latest version, feel free to contact me at:
How to use this booklet
• Work out each question yourself before looking at the memorandum.
• Mark your work honestly.
• Review any error immediately.
• Focus on patterns in the questions.
• Use this booklet with your class notes and textbook.
• Complete the questions without help before consulting the solutions.
Please note that these notes are compiled as a structured study aid for exam preparation and do
not replace the prescribed textbook or classroom instruction. IMAGES: Canva and AI-Generated
Good luck, Juffrou Ansie
© 2026 Juffrou Ansie Study Notes. All rights reserved. This material may not be reproduced or distributed without written
permission.
, 2
CONTENT
Finance 2
Income, expenses, profit/loss, income and expense statements and budgets. 2
Cost price, selling price and profit % 8
Interest, loans and bank accounts 17
Inflation and value change 19
Measurement 28
Mapwork and Plans 31
Map scale and distances 31
Building plans and layout plans (houses, floors, designs) 34
Models and packaging (3D objects) 45
Integration / Revision 55
Finance
Income, expenses, profit/loss, income and expense statements and
budgets.
QUESTION 1
1.1 Sipho works at a bicycle rental shop every Saturday to save
money for a school tour.
Sipho records the following information:
TABLE 1: Income from bicycle rentals
Month March April May June July August
Number of bicycles rented 12 18 C 30 24 36
Income (in Rand) 540 810 1 080 1 350 D 1 620
Use the table to answer the following questions.
1.1.1. Define the term income. (2)
1.1.2. Complete the following formula to calculate the total income received.
© 2026 Juffrou Ansie Study Notes. All rights reserved. This material may not be reproduced or distributed without written
permission.
, 3
Income (in Rand) = __________ × __________ (2)
1.1.3. Is this an example of direct proportion or inverse proportion?
Give a reason for your answer. (2)
1.1.4. Calculate the missing values C and D in the table. (4)
Therefore: C = 24 D = R1 080 (4)
24 × 45 = R1 080
30 × 45 = R1 350
OR
Calculate D: 24 × 45 = R1 080
Calculate C: 1 080 ÷ 45 = 24 bicycles
1.1.4. First determine the income earned per bicycle: R540 ÷ 12 = R45 per bicycle
increases at a constant rate. (2)
Reason: As the number of bicycles rented increases, the income also
1.1.3. Direct proportion
1.1.2. Income (in Rand) = Number of bicycles rented × Income per bicycle. (2)
1.1.1. Income is the money earned or received for work done or services provided. (2)
________________________________________________________________
1.2 The cost of living has increased in many provinces. The income
received by workers is sometimes not enough to cover their
monthly expenses.
Refer to ANNEXURE B and answer the questions that follow.
ANNEXURE B: Monthly Income and Expenses in different South African towns
1.2.1 Determine the difference in income between the people living in Durban South and
Kimberley East. (2)
1.2.2 Which town had the lowest expenses? (2)
1.2.3 Determine the implications of expenses exceeding income. (2)
1.2.4 Would an increase in salary have an impact on tax payments? Explain your answer. (3)
1.2.5 Determine the percentage difference between the income and expenses of people living
in Bloemfontein East.
© 2026 Juffrou Ansie Study Notes. All rights reserved. This material may not be reproduced or distributed without written
permission.
, 4
51 250
Percentage difference = = 5,95%
3050
Difference = 54 300 − 51 250 = R 3 050 1.2.5
payments because tax is based on income earned.
Yes. A higher salary may result in higher tax 1.2.4
borrow money.
Less money available than expenses. / May need to 1.2.3
Kimberley East 1.2.2
Difference = 58 400 − 39 800 = R18 600 1.2.1
QUESTION ANSWER
___________________________________________________________
1.3
The table below shows the National Housing Budget and Community
Development Budget of South Africa for 2025/2026.
TABLE 1: NATIONAL HOUSING AND COMMUNITY DEVELOPMENT BUDGET OF
SOUTH AFRICA FOR 2025/2026
NATIONAL HOUSING BUDGET COMMUNITY DEVELOPMENT
Amount Amount
(IN RAND) BUDGET (IN RAND)
Housing construction 265,4 billion Community centres 35,8 billion
Water and sanitation 198,6 billion Sports facilities 22,4 billion
Roads and transport 182,3 billion Youth development 18,6 billion
Municipal administration 75,5 billion Community administration 12,7 billion
Electricity infrastructure 143,2 billion Skills programmes 15,5 billion
Environmental services 126,8 billion Social upliftment projects 10,5 billion
Community development 115,5 billion Other 8,0 billion
Use TABLE 1 above to answer the questions that follow.
1.3.1 Which of the amounts below represents the budget allocated to Housing construction?
A 26 540 000
B 265 400 000
C 265 400 000 000
D 26 540 000 000 000 (2)
1.3.2 Explain the term budget within the context above. (2)
1.3.3 Write down the item that receives the third most money from the Community
Development Budget. (2)
1.3.4 Calculate the percentage of the total Community Development Budget that is allocated
to Skills programmes. (3)
© 2026 Juffrou Ansie Study Notes. All rights reserved. This material may not be reproduced or distributed without written
permission.