Charlotte Lilyana May 1, 2020 Money Worksheets
Many online math games are designed purely for entertainment and won't do much in terms of teaching your child. While these games can be fun and engaging for third graders, you want to choose games that will practice the skills being taught in school. Look for games and puzzles that are part of an adaptive learning program. This means that the online games are well-thought out and match the same set of skills that are being taught in the third grade curriculum. The program is structured toward each individual student and fills in the gaps where the child is struggling.
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.
Encourage your youngsters to save at least 10% (a good benchmark through adulthood) of every dime they receive. The money can be put in a local bank or credit union for saving for special items, Christmas presents, or some other goal the child sets.
Once my son started working a real job and had taxable income, I made him a deal that if he started an IRA with $500 and $50/month, I would match for the first year. After a couple education sessions, he jumped on it! It's a great way to jump-start their retirement savings AND further teach the greatest wonder of the personal finance world: compound interest.
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.
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