This Grade 12 Mathematics book on Finance, Growth & Decay explains financial concepts such as simple and compound interest, appreciation and depreciation, loans, investments, hire purchase, sinking funds, and effective vs nominal interest rates. It uses real-life examples like car loans, property values, and savings accounts to show how maths applies in everyday decisions. The book balances theory, formulas, and worked examples, followed by graded exercises to test understanding. Its goal is to ...