Emerson Tenley May 1, 2020 Money Worksheets
Now for the fun part! Encourage your kids to spend their money wisely. Teach them how to shop for bargains and what value the toy or item might provide long term. When my kids were growing up, I strongly encouraged them to spend wisely on a hobby or a collection and learn as much as they can about the history behind the collection. My son at ages 5-9 years old, collected toy tractors and had every type, design, style, manufacturer, and specifications memorized. He knew more about tractors than most farmers! When he got older he repeated the passion with his train collection, later still, with WWII memorabilia.
Most kids get a weekly allowance without any accountability and are free to spend as they wish. I submit that kids should earn money for doing some simple chores (yes, even at 5 years old). You can further entice your kids to earn even more than their weekly chores by doing additional jobs that fall outside their normal responsibilities. Once they see their earnings adding up, you'll be surprised how hard they can work! As the money starts to accumulate, now is the time to further the learning process by defining how kids should manage their money.
I'm not a proponent of young kids investing in the stock market. But as they get older you can encourage them to think about saving for their future and retirement. Show the older kids stock charts from the past 50-60 years and note the strong upward trend over long periods of time. With 50+ years before they retire, and by starting to save a little bit now, the Compound Interest will kick in big time!
Since 3rd grade math relies on the concepts that were learned during kindergarten, first and second grades, don't be afraid to start your child at a lower level. With adaptive learning, the programs won't move on to the next level until your child has a firm grasp on the current material. The online games will be a wonderful way for your child to catch up on basic arithmetic concepts and be comfortable using them across applications.
With adaptive learning programs, your child won't just play one level and complete the program. The games offer a comprehensive learning tool that works with kids from kindergarten through third grade. With hundreds of levels, different ways to play and constant interaction, the online games never lose their meaning. The same children can play the games but in different ways, since the programs are tailored toward the learning styles of each child. This is what makes adaptive learning an essential tool in classrooms as well.
As parents do, kids will do. Taken as an extrapolation from the popular saying, "Like Father, Like Son," there's some truth to what we do as parents, our kids will take into their adulthood. So instill good habits now for lifelong benefits.
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