Free · not for sale
Four free worksheets. Use in order if you’re new. Skip around if you’re not. Nothing here is checkout.
Using a screen reader? Read all four worksheets as accessible web pages.
Parent note. These pages stand alone. You do not need a paid kit. No purchase required to finish this path.
1
Ages 10–18 · Grades 5th–12th · best with a real stub (or SAMPLE stub parent prints) · ~15–25 min
Read the stub, find net pay, then write one save · one bill · one allowed spend.
2
Ages 11–18 · parent at the table · ~15–20 min
Fill money in from real life, then money out, then one saving goal you protect first.
3
Family · ages 8–18 with a parent · ~10 min start, then 1–2 min/week
Name the goal, the weekly plan, and one guardrail. Mark a box only after money is set aside.
4 · optional
Ages 13–17 · parent as sounding board, not cheerleader · ~20–30 min
One sentence, who pays, three tests, honest math, one dated next step.
Skip this if entrepreneurship is not this month’s work.
What to keep — file the paper and use the two-minute talk prompts after each page.