If you follow Dave Ramsey, you’ve probably heard of his program for kids, Financial Peace Jr. It teaches kids, starting at age 3, the importance of working to earn money and how to be financially responsible. It’s never too early for your little ones to learn about money! The Financial Peace Jr. kit comes with 3 envelopes with Give, Save, and Spend labels to show your kids how to divide their money. The envelopes are nice, but I wanted something easier for Allison to hold and use. So I made these Give, Save, and Spend jars using Dollar Tree snack jars and homemade labels!
You can use any kind of jar you want- Mason jars or plastic jars, or whatever you can find that’s cheap. These plastic snack jars I got at Dollar Tree came in a 3-pack, which was perfect! The lids snap up and Allison can easily drop her coins in the jar.
I used PicMonkey to design the labels, and I’ve included a free PDF for you to download below! All you have to do is print and cut the labels; and use regular tape or packing tape to secure the labels to the jars.
Allison really gets into using these jars… when I can convince her to do her jobs, that is. She’s 4, so it’ll take time to get her used to the idea of working for money. But when it works, it works! She gets paid for things like folding towels, cleaning the bathroom sinks, clearing the dinner table… little things a 4 year-old can do. Then she gets her coins and puts them in the appropriate jars. It’s really cool when she earns enough money to buy a toy, and she can see what her hard work can get her!
If you’ve never heard of Financial Peace Jr., you can purchase it here! (Not an affiliate link, I just love this program!) Honestly, it takes awhile for some kids to understand how the money system works. We got to a point where Allison would do a job, and when we went to grab her money, she’d throw a fit and say she didn’t want to get paid. I don’t understand this child at all, but things like this could happen! It’s hard not to get discouraged; but in time, hopefully our kids will realize the importance of getting paid for their work.
Do you use a money system for your kids? Share with us in the comments; I’d love to hear other ideas!