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Age-by-Age Money Tips for Teaching Kids Smart Finance
Danielle Sexton
December 09, 2024
Together with
"I am proud of many things in life but nothing beats being a mother."
Morning Mama! It’s Monday, aka the day you regret not meal-prepping yesterday. But it’s fine, we’ll wing it—grab coffee, and let’s get to it!
Today’s Mommy scoop:
💵 Age-by-Age Guide to Kid Finance
🍓 Strawberry Aliens: Healthy & Cute
☕ Popsicle Stick Hot Cocoa Mugs
Budget Diapers & College Dreams
Tips for Teaching Kids About Money
Ever felt like teaching your kiddos about money is as tricky as explaining why broccoli is a superhero food?
Well, guess what? It's easier than you might think!
For the Tiny Tots: Ages 2-3
Who said toddlers can't grasp the money concept?
Start simple: play the coin identification game! Trace and color coin shapes and then chat about each coin's name.
And for a dollop of imagination, transform your living room into a mini-mart.
Using play money and everyday items, you're not just playing shop – you're crafting a money genius!
Curious Kiddos: Ages 4-5
Pre-grocery trips, turn your tots into coupon-clipping helpers!
And remember those pretend restaurants?
They're back in business, but this time, don't let your 4-year-old dash without paying the bill with their make-believe money.
It’s all about learning the give-and-take of money, with a side of giggles!
Budding Bankers: Ages 6-8
Now's the time your little ones start getting the money gist.
Why not make their allowance feel "official" with a bank trip?
Opening a savings account can be an adventure, plus a math lesson when introducing interest.
And to sprinkle in some fun, dive into coin collecting or explore the kids' section of the US Mint website.
Money knowledge + fun = parenting win!
Tween Treasurers: Ages 9-12
Help your tweenies grasp the true value of money through comparison shopping.
Analyze price tags, consider quality, and compare brands.
And here's a cool idea: let them run your next yard sale.
You'll be surprised how they master the art of pricing and bargaining (maybe even better than you!).
Teen Titans: Ages 13-15
Time to introduce budgeting! Distinguish 'wants' from 'needs' with the 'potatoes and gravy' analogy.
Also, who said stocks are just for adults?
Play pretend stock investing with familiar brands, making finance discussions a family evening routine.
Almost Adults: Ages 16+
Your teens can now test all they've learned with stored-value cards.
It's a bridge between cash and credit cards, letting them manage and budget funds you load.
Just a heads up: check for any fees attached!
So, there you have it, moms! From coin games to stock play, turning money lessons into fun memories is now your forte.
Keep reading here.
Mom’s Field Guide
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Manage your calendar and send invites and reminders
Track your to-do list and coordinate tasks
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Send you daily summaries to help you prep for your day and resolve scheduling conflicts
Create meal plans and grocery lists and even add items to your Instacart shopping cart.
Mom's Mic: This Week’s Poll 🎤
What age do you believe is appropriate for a child to have their own smartphone?-> Vote to reveal what other moms think |
Poll Results From 12/6
How much daily outdoor playtime do you aim for with your children?
🟨⬜️⬜️⬜️⬜️⬜️ Less than an hour (19%)
🟨🟨🟨🟨⬜️⬜️ 1-2 hours (60%)
⬜️⬜️⬜️⬜️⬜️⬜️ More than 2 hours (11%)
🟩🟩🟩🟩🟩🟩 Depends on the day (80%)
Featured Response 💬
“We aim for as much outdoor time as possible because there’s nothing more refreshing than fresh air. Plus, it helps tire out the little dude so it helps when bedtime rolls around. Lately, it’s been too darn cold to go outside and have some fun, so I have a little pool for inside activities I inflate and let him play with sand, bubbles, etc to keep the mess contained, keep the floors from getting dangerously slippery and give him a little taste of outdoor fun.”
Love that creative indoor play idea—an inflatable pool for sand and bubbles is pure genius! It’s such a smart way to keep the fun going when the weather isn’t cooperating. -Danielle 😊
Mom’s Menu
Strawberry Aliens: Fun & Healthy! 🍓👽
Source: weelicious
Ever felt the cringe at the sight of too much sugar at kids' bake sales? Me too!
But here's a refreshing twist - Strawberry Aliens!
These cute, healthy, and absolutely adorable treats are not only lower on sugar but are a hit with the kiddos!
Let's dive in!
Ingredients 📝
1/2 cup whipped light cream cheese
2 teaspoons strawberry preserves
1-quart large strawberries (about 24)
48 mini chocolate chips
Blueberries, raspberries, blackberries
Pineapples (cut into small shapes)
Toothpicks
Instructions 👩🍳
In a small bowl, mix the cream cheese and strawberry preserves. Spoon it into a plastic bag, snip one end to make a mini piping bag.
Flatly slice the strawberry base to let it stand.
Carve a tiny notch on top of each strawberry, fill it with cream cheese mix.
Add 2 chocolate chips on the cream cheese to craft eyes.
Insert toothpicks on top of the strawberries, then skewer with berries & pineapples to fashion antennas.
Note 📌
These fruity aliens aren't just treats; they're also a delightful activity!
Watch your kids' eyes light up as they design their very own edible extraterrestrials.
Happy crafting, mama! 💕🍓
Full recipe here.
Healthy Habits
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Daily DIY (Kids Edition)
Popsicle Stick Hot Chocolate Mug
Source: gluedtomycraftsblog
Nothing screams winter like hot chocolate!
Help your kids craft a spill-proof, festive hot chocolate mug with jumbo popsicle sticks and some paint.
Finish with a cute handle, cotton ball marshmallows, and perhaps a snowflake sticker!
The tutorial is here.
Mom’s Choice
I've been portioning out servings of purees and baby foods, and let me tell you, it's a game changer!
No more scrambling during meal times. Just pop out a serving, and voila, meal is served.
Easy Release Flexible Silicone Mold
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Game
Mama Knows Best: True or False?
Children should switch to a forward-facing car seat around 12-14 months old.
(Answer below)
A) True
B) False
Mom’s Meme 🤣
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Answer
B) False - It's safer for them to remain rear-facing for as long as possible, at least until age 2.
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