The Allowance Toolkit: Contracts & Ledgers

The Freelance Menu. The Contract. The Ledger.

Don't just hand over cash. Hand over a curriculum.

​Most parents treat allowance as a transaction: "You do the dishes, I give you $5." This teaches children to be employees in their own home.

​This free toolkit contains the implementation assets from the book The Allowance Architecture. It frames money not as a wage, but as a "Flight Simulator" designed to teach financial sovereignty before the stakes get high.

​What's Inside:

​✅ The "Citizen vs. Freelancer" Matrix:

A clear categorization chart that ends the "How much do I get for cleaning my room?" debate forever.

• ​Citizen Duties (Unpaid): Things you do because you live here (e.g., dishes, trash).
• ​Freelance Gigs (Paid): Optional jobs for extra income (e.g., washing the car, deep cleaning).

​✅ The Allowance Contract:

A formal agreement between "The Bank" (Parent) and the Child. It defines the payout schedule, the split (Spend/Save/Give), and the rules of engagement—signed by both parties to build accountability.

​✅ The Visual Ledger:

A simple accounting sheet for children aged 7+ to track "Inflow" and "Outflow." This introduces the concept of Cash Flow and prevents the "Where did all my money go?" mystery.

​✅ The "Cost of Waiting" Chart:

A powerful visual graphic (The 10-Year Gap) that shows older kids the mathematical magic of compound interest — proving why starting at 15 is exponentially better than starting at 25.

​Why is this free?

​Because financial literacy is the one life skill schools don't teach. We believe every child deserves to learn how to manage capital, not just consume it.

​Format: Digital PDF (Printable A4 & US Letter)

​Instant Download

​Get your free toolkit now.