Helping Singaporean families raise money-smart kids—starting at home.
🏷️ 1. Three-Jar Labels (Spend • Save • Share)
Print or handwrite labels for three jars per child:
- Spend: “For small joys like snacks, toys, or gifts.”
- Save: “For bigger dreams like a bicycle or family trip.”
- Share: “To bless others—school donations or community giving.”
Encourage kids to decorate their jars with stickers and color markers.
📆 2. Allowance Tracker (Monthly)
Date | Amount Received | Spend | Save | Share | Notes |
|---|---|---|---|---|---|
How much save after spending per week?
How much share after saving per week?
Add a monthly reflection section:
“What did I learn about money this month?”: ____________________________
🎯 3. My Savings Goal
Let each child write and visualize their saving plan:
- I’m saving for: __________________
- Total cost: $________
- I have saved: $________
- Target date: ____________
📈 Draw a progress bar or use stickers to mark milestones.
🎲 4. Budget Challenge Cards
Print and cut these out for a weekly challenge draw:
- $5 Dinner Challenge: Plan a full meal under $5.
- No-Spend Weekend: Enjoy 2 days of free fun.
- Mini Entrepreneur Day: Think of a way to earn $5 this week.
- Secondhand Treasure Hunt: Find something pre-loved instead of buying new.
Write about each challenge afterward:
“How did it feel to stay within a budget?” ________________________
📋 5. Family Budget Meeting Template
Hold a monthly huddle using this agenda:
- 💬 One thing we did well with money last month: ________________
- 🧠 One thing we’ll improve: ______________________
- 📊 Savings updates or goals: ____________________
- 🎯 New Budget Challenge for this month: _____________________
- 🙌 Celebrate one financial “win”: ______________________
End the meeting with a snack or fun family treat!
🧠 6. Money Conversation Starters
Use these during meals or car rides:
- “What’s something you really want to buy—and why?”
- “How do you know if something is worth the money?”
- “If you had $100 to help someone, what would you do?”
- “What do Mum and Dad work hard for?”
These open doors to deep conversations about values, not just spending.
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