Kids Money Smart Workbook (Ages 6–12)

Money basics kids learn by doing — with you, ten minutes at a time.

The Kids Money Smart Workbook is a printable activity book for ages 6–12, bought by parents and done together: save/spend/share jars, wants-vs-needs games, ad detective pages, earning charts and savings thermometers. A 4-page parent guide frames every activity as a 10-minute conversation, with separate age paths for 6–8 and 9–12. The jar system works with any amounts a family actually has.

WHAT'S INSIDE

- 37 printable pages (US Letter) — an activity book kids color, cut and fill in

- Parent Guide (pp. 2–5): how to use the book, the no-lectures rule, age paths 6–8 / 9–12, and family money values

- Meet Money (pp. 6–10): earn / save / spend / share, coins & bills, jar labels, a money map and a jar check-in

- Wants vs Needs (pp. 11–18): 2 sorting games, the pause-button promise, 2 ad detective pages, a grocery challenge, a journal page and a review

- Earning (pp. 19–23): ways to earn, a 4-week job chart, a price-your-work agreement, a "money isn't free" page and an earning plan

- Saving Goals (pp. 24–31): a goal picker, 4 savings thermometers, the waiting-game countdown and 2 "I Did It!" certificates

- Sharing (pp. 32–35): why share, choose-your-cause, a giving-jar tracker and kindness receipts

- Closing: the "I'm Money Smart" certificate (p. 36) and a parent note + disclaimer (p. 37)

WHO IT'S FOR

- Parents and caregivers of kids ages 6–12 who want hands-on money basics taught through activities and conversation — not lectures, apps or sign-ups. Nothing in the book shames families with less.

WHO IT'S NOT FOR

- Anyone looking for financial advice directed at children, prescriptive allowance rules, or teen content — teens belong in the Teen Money Starter System (this book hands off to it on p. 37). There are no app downloads, brand endorsements or sign-ups for kids, and no investing, debt or credit content, by design.

FORMATS

- Printable PDF (37 pages, US Letter) — for home printing. No digital/fillable edition by design — kids color and cut.

PLEASE NOTE

- This is a digital product. No physical item will be shipped.

- Refunds: purchases are generally final once the files have been accessed or downloaded, except where required by law. We do not offer a satisfaction guarantee or a no-questions-asked refund window on downloadable products — please review the description, page counts and format details above before buying.

- An educational activity book — not financial, tax or legal advice. Please see the disclaimer inside the product (p. 37).

- For personal household use. Please see the license terms at checkout.