Smart Money Skills

9-15 year olds

Setting savings goals

Big dreams start with small steps. Tweens and teens can set savings goals whether it’s for a gadget, an outing, or future plans. Dividing money into Give, Save, Invest, Spend helps them balance generosity, preparation, and fun. Setting clear goals teaches focus and discipline.

Budgeting basics

A budget is a plan for where money goes. It helps track how much to save, spend, give, and invest. Learning to budget empowers teens to make confident choices and avoid surprises. It’s a key life skill that keeps their money working for them.

Smart spending means thinking before buying. Teens learn to compare prices, wait for discounts, and decide if a purchase is really worth it. Using their Spend jar or account wisely builds long-term confidence and responsibility.

Spending wisely

Introduction to entrepreneurship

Entrepreneurship shows that money can be created, not just earned. Whether it’s selling crafts, walking dogs, or running a mini online project, young people learn about effort, creativity, and problem-solving, while deciding how to give, save, invest, and spend their earnings.

Digital money & online safety

As money goes digital, understanding how to use it safely is essential. Teens learn about online payments, scams, and privacy protection. They explore how digital wallets or apps work, and how to make smart, secure choices in a connected world.