Starting young
Financial literacy for kids
Money habits form early, often before we realise. Teaching children a few simple ideas about money, in language they understand, gives them a head start that school usually doesn’t.
Start with three jars
A timeless way to teach kids is the jar method: Save, Spend and Share. When they get pocket money or a gift, they split it into the three jars. They learn, by doing, that money has jobs — and that saving a little before spending is normal.
Let them make small mistakes
If a child spends all their Spend jar on day one and there’s nothing left for the week, that’s a cheap, safe lesson. Resisting the urge to bail them out teaches far more than any lecture about budgeting ever could.
Make it real and age-appropriate
Young kids learn from coins and jars they can touch. Older kids can handle a simple goal, like saving up for something they want, and even a basic idea of how saved money can grow over time. Keep it concrete, keep it positive, and let them see you managing money calmly too.
Save, spend, share — three jars teach a lifetime of money sense.