Curriculum Raising Money-Smart Children
Raising Money-Smart Children
A guide for parents, teachers and older siblings - how money habits form early, what to teach at each age, pocket money systems, save-spend-share jars, patience, in-app purchases, learning from mistakes, planning for children's futures and financial education in schools.
- Why Teach Children About Money Early? What research says about how early money habits form, and why everyday conversations and small experiences matter more than lectures. 📄 Read-aloud
- Ages 3 to 6: First Money Lessons Simple ways to introduce young children to coins, notes, choices, waiting and the difference between needs and wants. 📄 Read-aloud
- Pocket Money: Fixed, Earned or Both? The different ways families give pocket money, the debate over paying for chores, and tips for making pocket money a good learning tool. 📄 Read-aloud
- Save, Spend, Share How dividing money into jars or accounts for saving, spending and giving teaches children to balance needs, goals and generosity. 📄 Read-aloud
- Teenagers: Managing Their Own Money How to give teenagers more responsibility with bank accounts, UPI, budgets and earning, while guiding them through bigger decisions and online risks. 📄 Read-aloud
- Talking to Children About Family Money How much to share with children about family finances at different ages, how to talk about tight budgets without causing anxiety, and how to model good habits. 📄 Read-aloud
- Raising Money-Smart Children: Checkpoint 1 Quick checkpoint - five questions on early money habits, young children, pocket money, saving jars and teens. 5 questions
- Patience and the Marshmallow Test What the famous marshmallow experiments found about children's self-control, what later research revealed about background and trust, and how to build patience. 📄 Read-aloud
- Games, Ads and In-App Purchases How games and apps encourage children to spend through in-app purchases and loot boxes, and how parents can set limits and teach critical thinking. 📄 Read-aloud
- Letting Children Make Small Money Mistakes Why small, low-cost money mistakes in childhood are valuable lessons, and how parents can guide reflection without rescuing or shaming. 📄 Read-aloud
- Teaching Girls and Boys About Money Equally Why girls and boys often receive different money messages, how this contributes to later gaps in financial confidence, and how families can close the gap. 📄 Read-aloud
- Planning for a Child's Future How parents can plan for big future costs like education, the effect of education inflation, and options such as SIPs, Sukanya Samriddhi and NPS Vatsalya. 📄 Read-aloud
- Financial Education in Schools How schools in India and elsewhere teach financial literacy, what research says about its effectiveness, and how families and schools can work together, plus a recap of the module. 📄 Read-aloud