Money is a tool that helps you get the things you need and want. Learning how to manage it now will help you make smart choices for the rest of your life. The earlier you start, the better you'll be!
Understand earning, saving, and spending money wisely
Learn to tell the difference and make smart choices
Create a simple budget and set financial goals
Discover the power of saving and compound growth
Learn to identify the difference between essential and optional
Take care of NEEDS first, then use what's left for WANTS. This keeps you safe and responsible!
Brainstorm ways you can earn money responsibly
Learn a simple budgeting system that works
Essential things (savings for future needs, helping family)
Fun things (toys, games, treats, entertainment)
Long-term goals (big purchases, future dreams)
50% NEEDS: $10 | 30% WANTS: $6 | 20% SAVINGS: $4
Plan to save for something important to you
Money in a savings account earns interest—the bank pays YOU for keeping money there! Over time, your money grows without you doing anything. Start early, save regularly, and watch it grow!
Learn to think before you spend
Think about money and your future:
Always prioritize needs before wants to stay safe and secure.
Hard work and creativity can help you earn money at any age.
The 50/30/20 rule helps you balance spending and saving.
Having a savings goal makes it easier to resist impulse purchases.
Wait 24 hours before big purchases to avoid regret.
The sooner you start saving, the more your money can grow!
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Ages 8-12 • Ultimate Leadership Academy