Managing Money: Budgeting & Smart Spending for Kids

Downloadable Workbook Section

Help your child develop money smarts that will last a lifetime with this engaging and practical workbook section focused on personal finance basics! "Managing Money" is a downloadable chapter from our full Financial Literacy Workbook, designed especially for kids aged 8–12.

This section teaches children how to:
✔ Understand the value of income and how to live below their means
✔ Recognize healthy vs. unhealthy debt with relatable examples
✔ Identify needs vs. wants when managing expenses
✔ Build an emergency fund and budget wisely
✔ Learn the importance of donations and scholarships

Filled with interactive activities, real-life scenarios, and visual learning tools, this chapter is perfect for introducing kids to the essentials of responsible money management.

Key Features

• 14 pages of engaging content and activities
• Age-appropriate definitions for core financial terms
• Real-world budgeting scenarios and decision-making challenges
• Thoughtful reflection questions to encourage discussion and understanding

Instantly downloadable and printer-friendly. Perfect for homeschool lessons, classrooms, or family learning time.

Teach your child how to take control of their money—and their future!