1.Lesson overview
- 1.15 Time
- 1.16 Money
- 1.10 Applying number
- 3.2 Mensuration and calculation
Time and currency conversions are directional: compound time units are not decimal, and an exchange-rate unit determines whether to multiply or divide. Label both sides of each conversion factor before calculating.
- 1 Calculate with time: seconds (s), minutes (min), hours (h), days, weeks, months, years, including the relationship between units.
- 2 Calculate times in terms of the 24-hour and 12-hour clock.
- 3 Read clocks and timetables.
- 1 Calculate with money.
- 2 Convert from one currency to another.
2.Learning map
Treat every problem as a conversion chain: identify the original unit or currency, apply one justified conversion factor, and check that the direction and final unit match the question.
This lesson uses the rates and percentage skills already developed in Number. Big idea. Time is not written in base ten: convert minutes to a fraction of an hour before using a rate.
Before solving time problems, you must be confident with the relationships between consecutive time units .
There are two common systems for telling the time: the 12-hour clock (with am/pm) and the 24-hour clock .
Adding and subtracting times requires care because time uses base 60 , not base 10. There is no "carrying" at 10 - you carry at 60.
3.Core idea
This lesson uses the rates and percentage skills already developed in Number.
Big idea. Time is not written in base ten: convert minutes to a fraction of an hour before using a rate.
Example. A journey starts at 22:35 and lasts 2 h 48 min. Find the arrival time.
Add 2 h to get 00:35 the next day, then add 48 min: the arrival time is 01:23.
4.Units of Time
| Conversion | Relationship |
|---|---|
| Seconds → Minutes | 1 seconds |
| Minutes → Hours | 1 minutes |
| Hours → Days | 1 hours |
| Days → Weeks | 1 days |
| Days → Months | Varies: 28, 29, 30, or 31 days |
| Days → Years | 1 days (or 366 in a leap year) |
| Months → Years | 1 months |
- 1 hour = = 3600 seconds
- 1 day = = 1440 minutes
- 1 day = = 86 400 seconds
- 1 week = = 168 hours
- 1
- 2
- 3Or directly:
- 1
- 1
- 2So
A leap year has 366 days (February has 29 days). A year is a leap year if it is divisible by 4, except century years — which must be divisible by 400. So 2000 was a leap year, but 1900 was not.
5.Reading Clocks
| 12-Hour | 24-Hour | Description |
|---|---|---|
| 12:00 am (midnight) | 00:00 | Start of the day |
| 12:30 am | 00:30 | Half past midnight |
| 6:00 am | 06:00 | Early morning |
| 11:59 am | 11:59 | Just before noon |
| 12:00 pm (noon) | 12:00 | Midday |
| 12:30 pm | 12:30 | Half past noon |
| 1:00 pm | 13:00 | Early afternoon |
| 6:00 pm | 18:00 | Evening |
| 9:45 pm | 21:45 | Night |
| 11:59 pm | 23:59 | Just before midnight |
- 12-hour → 24-hour (am): times from 1:00 am to 12:59 am stay the same but use leading zeros (e.g. 8:05 am → 08:05). Exception: 12:xx am → 00:xx
- 12-hour → 24-hour (pm): add 12 to the hour (e.g. 3:30 pm → 15:30). Exception: 12:xx pm stays as 12:xx
- 24-hour → 12-hour: hours 00–11 → am (change 00 to 12); hours 12–23 → pm (subtract 12 for hours 13–23)
- 1
- 2So =
- 112:xx am is the special case — replace 12 with 00.
- 2So =
- 1, and it is pm (since ).
- 2So 17: 5:08 pm
- 100:xx → replace 00 with 12, and it's am.
- 2So 00: 12:45 am
6.Calculating with Time
- 1; .
- 2Hours:
- 34 hours 15 minutes
- 1Seconds:
- 2Minutes:
- 3Hours:
- 46 hours 16 minutes 15 seconds
To find the time between two given times, count on from the start time to the end time. This is often easier than subtracting.
- 109: 13 minutes
- 210: 2 hours
- 312: 15 minutes
- 42 hours 28 minutes
- 122:30 → 00:00 (midnight) = 1 hour 30 minutes
- 200: 6 hours 15 minutes
- 37 hours 45 minutes
- 1
- 2
- 3The film ends at 00:25 (the next day)
When crossing midnight, split the calculation at midnight (00:00). Count to midnight first, then from midnight onwards. This avoids errors.
7.Timetables
| Stop | Bus A | Bus B | Bus C | Bus D |
|---|---|---|---|---|
| Oakwood | 07:15 | 08:30 | 10:00 | 13:45 |
| Pine Street | 07:28 | 08:43 | 10:13 | 13:58 |
| Market Square | 07:42 | 08:57 | 10:27 | 14:12 |
| Riverside | 07:55 | 09:10 | 10:40 | 14:25 |
| Central Station | 08:10 | 09:25 | 10:55 | 14:40 |
- 1Departs Oakwood: 08:30
- 2Arrives Central Station: 09:25
- 3Duration: 08:30 → 09:00 30 min, 09:00 → 09: min
- 455 minutes
- 1Bus B leaves Pine Street at 08:43 (too early), Bus C leaves at 10:13 (this is the next bus after 10:05).
- 2Bus C arrives at Riverside at 10:40.
- 1Bus A arrives at Central Station at 08:10.
- 208:10 is before 08:30, so yes, he arrives 20 minutes early.
Read the question carefully: is it asking for arrival time, departure time, or duration? Always check whether a dash (—) in a timetable means the bus does not stop there.
8.Time Zones
- Moving east from UTC, time is ahead (later)
- Moving west from UTC, time is behind (earlier)
- The total difference between two zones is the sum of their offsets when on opposite sides of UTC, or the difference when on the same side
The Earth spins west to east, so places to the east see the sun rise first. Travelling east chases the sunrise into a later local time — add the difference. Travelling west chases the sunset backwards into an earlier local time — subtract the difference.
| City | UTC Offset | City | UTC Offset |
|---|---|---|---|
| London (GMT) | UTC + 0 | Dubai | UTC + 4 |
| Paris | UTC + 1 | Mumbai | UTC + 5:30 |
| Cairo | UTC + 2 | Beijing | UTC + 8 |
| Moscow | UTC + 3 | Tokyo | UTC + 9 |
| New York | UTC - 5 | Sydney | UTC + 11 |
| Los Angeles | UTC - 8 | Auckland | UTC + 12 |
- 1BangkokUTC +7 · 08:30 Tuesday
- 2Convert to UTC08:30 − 7 h · 01:30 Tuesday
- 3London exampleUTC +1 · 02:30 Tuesday
- 4Check directioneast is later · date may change
Use the stated seasonal offset; never assume a city’s offset without the question’s information.
- 1Dubai is 4 hours ahead of London.
- 2
- 3It is 7:00 pm (19:00) in Dubai.
- 1New York is 5 hours behind London.
- 2
- 3It is 5:00 am in New York.
Convert both to UTC:
- 1Dubai 02: .
- 2London 06:30 local 06:30 UTC
- 3Duration: 22:00 → 06:30 = 8 hours 30 minutes
- 1Difference: . Los Angeles is 16 hours behind Beijing.
- 2
- 3It is 5:00 am the same day in Los Angeles.
When subtracting hours crosses midnight, the date changes. E.g. 02:00 - 5 hours 21:00 the previous day. Always state if the date changes in your answer.
9.Challenge Questions
Question. A flight lands at (the next day) after a flight duration of hours minutes. What local time did it depart?
- 1Subtract the whole hours first: . Borrowing a day, this is on the previous day.
- 2Now subtract the remaining minutes: .
- 3Departure was at the previous day.
Every earlier example found an end time from a start, or a duration from two clock times. Here you're given the end and the duration and must find the start — subtract instead of add, and watch the date roll backwards.
Question. State, with a reason, whether each of these is a leap year: (a) , (b) , (c) .
- 1(a) exactly, and it is not a century year — leap year.
- 2(b) exactly, but is a century year, and is not exact — not a leap year.
- 3(c) is a century year, and exactly — leap year.
2000 and 1900 aren't the only century years that matter — 2100 and 2400 are exactly the kind of case the "divisible by 400" exception exists for.
Question. A flight departs Cairo (UTC+2) at local time. The flight takes hours minutes. Find the local arrival time in Tokyo (UTC+9).
- 1Convert departure to UTC: UTC.
- 2Add the flight duration: (next day), then min (next day) UTC.
- 3Convert to Tokyo local time: .
- 4The flight arrives at the next day, Tokyo time.
This combines two separate skills: adding a duration to a clock time (Timetables) and converting between local times via UTC (Time Zones) — always add the duration in UTC before converting to the destination's local time.
10.Money Calculations
- If the third decimal digit is 5 or more, round up: $3.456 → $3.46
- If the third decimal digit is less than 5, round down: $3.452 → $3.45
- Always write both decimal places, even if zero: $7.50, not $7.5
- 1
- 2$21.30
- 1
- 2He has $31.33 left.
- 1
- 2$10.80
- 1
- 2Rounded to 2 d.p. = $15.83 each (note: the total paid would be $47.49, so one friend may pay $15.84 to cover the exact bill).
When splitting a bill and the division doesn't work exactly, state the individual share to 2 d.p. and note the rounding. The examiner expects 2 decimal places in your answer.
11.Currency & Exchange Rates
- If $1 = €0.85, then to convert dollars to euros, multiply by 0.85
- To convert euros back to dollars, divide by 0.85
- In general: multiply to go in the direction the rate is given; divide to go in the opposite direction
- 1
- 2$250 = €212.50
- 1
- 2€170 = $200.00
- 1Convert to MYR —
- 2Remaining MYR =
- 3Convert back — .
Students often multiply when they should divide (or vice versa). Ask yourself: "Should my answer be bigger or smaller?" If converting to a weaker currency, you should get more units.
In real life, banks give different rates for buying and selling currency. If a question gives two rates, the bank buys foreign currency at a lower rate and sells at a higher rate. Read the question carefully to pick the correct rate.
- UTC offsets
- departure date and time
- duration
- amount
- quoted rate
- fee
- drag timeline
- swap cities
- swap currency direction
- apply fee
- arrival local date and time
- unit-labelled conversion chain
- received amount
- reverse-rate check
Implementation note
12.Profit & Loss
- Cost Price (CP)
- The amount paid to purchase or produce an item
- Selling Price (SP)
- The amount received when the item is sold
- Profit
- When . Profit =
- Loss
- When . Loss =
- 1Cost price80 · starting base
- 2Markup 25%· listed price 100
- 3Discount 10%· selling price 90
- 4Actual profit· 12.5% of cost
Name the base for every percentage: markup uses cost, while discount uses the listed price.
- 1Profit = = $72
- 2% Profit =
- 1Loss = = $1700
- 2% Loss =
- 1Profit = of .
- 2= $75
- 3Or directly: SP = $75
For a 25% profit, multiply CP by 1.25. For a 15% loss, multiply CP by 0.85. The multiplier is always .
13.Household Finance
- Hourly rate: per hour
- Overtime: Extra hours paid at a higher rate (e.g. "time and a half" rate)
- Annual salary: Fixed yearly amount, often divided into 12 monthly payments
- Commission: A percentage of the value of goods sold
- 1Normal pay = $551.00
- 2Overtime
- 3Overtime rate = $21.75
- 4Overtime pay = $130.50
- 5Total =
- 1Commission = = $1120
- 2$2320.00
- 1Unit charge = $60.20
- 2Total =
Monthly income: $3800
| Expense | Amount |
|---|---|
| Rent | $1200 |
| Food | $650 |
| Transport | $280 |
| Utilities | $190 |
| Other | $430 |
Total expenses = = $2750
$1050
This surplus could be saved or invested.
If total expenses > income, there is a deficit (over-spending). If income > expenses, there is a surplus.
14.Money — Challenge Questions
Question. A laptop costs $780 in the US, or £650 in the UK. Using the exchange rate £1 = $1.30, which country offers the better price, and by how much (in pounds)?
- 1Convert the US price into pounds. Since £1 = $1.30, dividing dollars by gives pounds: , so the US price is £600.
- 2Compare: US price £600; UK price £650.
- 3The US price is cheaper: , so the difference is £50.
Convert both prices into the same currency before comparing — exactly the "like with like" rule from best-value ratio problems, just with currencies instead of pack sizes.
Question. A shopkeeper sells a bicycle for $299, making a profit of on what she paid for it. Find the cost price.
- 1A profit means .
- 2So , giving .
- 3Cost price is $260. Check: .
Every profit/loss example above started from the cost price. Here you're given the selling price instead — this is a reverse percentage in disguise, so divide by the multiplier rather than multiplying.
Question. A water company charges $0.60 per unit for the first units used, then $0.90 per unit for every unit after that. Find the total bill for a household using units in a month.
- 1First units: , so this band costs $12.00.
- 2Remaining units: , charged at the higher rate: , so this band costs $13.50.
- 3Total bill: , so it is $25.50.
Unlike the flat-rate electricity example above, this bill is tiered — split the usage into bands first, and apply each rate only to the units in its own band, not to the whole amount.
15.Exam-Style Worked Examples
Question. The exchange rate is pound US dollars. Convert (a) pounds to dollars, (b) dollars to pounds.
- 1(a) Pounds to dollars: multiply by . dollars.
- 2(b) Dollars to pounds: divide by . pounds.
- 3Check the direction: a pound is worth more than a dollar, so a pound amount should convert to a larger number of dollars.
Marking. 1 mark per point. The direction check catches the commonest error — multiplying when you should divide.
Question. A train leaves at and arrives at . (a) How long is the journey? (b) The distance is ; find the average speed in .
- 1From to is hours, but arrival is minutes earlier.
- 2(a) Journey time hours minutes.
- 3For the speed, convert to hours: hours.
- 4(b) Speed .
Marking. 1 mark per point. Convert minutes to a decimal fraction of an hour before dividing — using instead of is the standard error.
Question. Priya works hours at per hour, plus hours overtime at time-and-a-half. She pays tax on everything above . Find her take-home pay.
- 1Basic pay .
- 2Overtime rate , so overtime pay . Gross .
- 3Taxable amount , so tax .
- 4Take-home pay .
Marking. 1 mark per point. Tax applies only to the amount above the threshold, not to the whole wage.
16.Exam Tips & Common Misconceptions
- Always use the 24-hour clock for unambiguous answers (e.g. 14:30 not 2:30 pm) unless told otherwise.
- When working with foreign exchange, set up a ratio: 1 unit of source = k units of target, then scale.
- Compound interest:
(1 + r/100)n. Simple interest:. - For salary/wage problems, distinguish gross (before tax) and net (after tax) — questions often hinge on which is required.
- Time-and-distance problems: convert units first ( ↔ by
- "15: minutes 15:80" — 80 minutes is 1 h 20 min, so the answer is 16:20.
- Treating compound interest as simple interest — for 3 years at 5%, the multiplier is , not 1.15.
- Multiplying instead of dividing in currency conversion — sketch the conversion ratio before calculating.
- Forgetting to add the principal back when asked for the total amount (compound interest gives the final amount A, not the interest).
17.Worked method — Elapsed time can cross midnight and change the date
Split at midnight to keep hours, minutes and the calendar date consistent.
Reasoning prompt. A timetable journey crosses midnight. How can you make the elapsed time visible?
- 1Advance to midnight first and record the time already used.
- 2Continue from zero hundred hours to the arrival time.
- 3Add the two intervals, checking that minutes are handled in base sixty.
Money should normally be stated to two decimal places, but calculation values should not be rounded early.
18.Time-zone and exchange-rate direction
- 1Local departureA flight leaves City A (UTC+2) at 22:40.
- 2Convert to UTCSubtract 2 hours: the departure is 20:40 UTC.
- 3Add elapsed timeAfter 9 h 20 min, the UTC arrival is 06:00 on the next day.
- 4Convert to destinationCity B is UTC−5, so local arrival is 01:00 on the next day.
If 1 unit of currency A buys 1.25 units of currency B, then 240 A buys B.
To reverse the conversion, divide: A. Applying the published rate and its inverse should return the starting amount, apart from stated fees or rounding.
19.Summary
- Key conversions: 1 s, s, 1 h, 1 (or 366) days
- 12h → 24h (pm): add 12 to the hour (except 12 pm stays 12:xx)
- 24h → 12h: hours 13–23 subtract 12 → pm; hour 00 → 12 am
- Duration: count on from start to end, split at midnight if crossing
- Timetables: read carefully — identify departure, arrival, and duration
- Time zones: east of , ; convert via UTC for flight durations
- Time is base 60, not base 10 — always divide minutes by 60 to convert to decimal hours