Mind on My Money, Money on My Mind

Don’t wait until your child is earning money to teach them how to manage it.

Children begin developing a relationship with money long before they receive their first paycheck.

Every time they ask for something at the store, receive birthday money, watch you make a purchase, save for something they want, or decide whether to spend what they have, they are learning something about money.

The question is: What are they learning?

Mind on My Money, Money on My Mind is an interactive financial literacy workbook designed to help children ages 5–13 understand how money works and develop healthy money habits before costly financial mistakes have a chance to become patterns.

This workbook helps children move from simply knowing that money can buy things to understanding that money requires choices.

They learn how to think before spending, distinguish between needs and wants, save toward goals, create simple budgets, track money, and make intentional financial decisions.

The goal isn’t simply to raise a child who knows how to count money.

It’s to raise a child who knows how to make decisions with it.

Through age-appropriate activities, real-life scenarios, goal-setting exercises, budgeting practice, progress tracking, and parent-supported conversations, children get opportunities to practice financial decision-making in ways they can understand and apply to everyday life.

Inside, children will learn how to:

• Understand the difference between earning, saving, spending, and giving

• Separate needs from wants before making purchases

• Create simple, age-appropriate budgets

• Set short-term and long-term money goals

• Track spending and understand where their money goes

• Practice making thoughtful spending decisions

• Develop patience while saving for something they want

• Apply money lessons to real-life situations

• Build financial confidence through hands-on practice

Parents are also encouraged to continue the lessons at home through conversations and everyday opportunities that allow children to practice what they’re learning.

AND IF YOUR CHILD LEARNS ONLY ONE PRINCIPLE FROM THIS WORKBOOK, LET IT BE THIS:

Every dollar needs a decision before it becomes a purchase.

Before spending it, decide.

Will I save it?

Will I spend it?

Will I give some of it?

Is this something I need or simply something I want?

Does spending this move me closer to or farther away from my goal?

That pause between having money and spending money can become one of the most valuable financial habits a child develops.

Because financial literacy isn’t something children should have to figure out after they start making financial mistakes.

Teach them how to manage money before money starts managing them.