Spending & Saving: Smart Money Habits for Kids

Downloadable Workbook Section

Give your child the tools to make smart spending choices and develop healthy money habits! “Spending & Saving” is a downloadable chapter from our Financial Literacy Workbook, designed specifically for children aged 8–12.

This fun and engaging section helps kids explore:
✔ The difference between needs and wants
✔ How to recognize impulse purchases and avoid overspending
✔ The real cost of subscriptions and how to budget for them
✔ How sales tax affects spending decisions
✔ What it means to be content with what you have

With realistic scenarios, hands-on activities, and thoughtful discussions, this workbook helps children understand how to spend wisely, save consistently, and appreciate the value of money.

Key Features

• 15 pages of interactive, age-appropriate content
• Visual worksheets and real-world examples
• Definitions of essential financial terms
• Exercises that encourage critical thinking and gratitude

Instant PDF download – print-ready and ideal for homeschool, classrooms, or family learning time!

Build your child’s confidence with money by teaching them the value of spending with purpose and saving with intention!