It's a Money Thing Junior (K-6)
Learning about money starts with everyday choices. From earning and spending to saving, borrowing, giving, and growing money over time, these resources help students explore the basics in a simple, age-appropriate way. Each section encourages young learners to think about what matters to them, how their choices affect the future, and how money can be used wisely and responsibly.
Build money skills one topic at a time
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Making Money
Borrowing money can make it possible to pay for things now and repay the cost over time, but it is important to understand the full commitment before saying yes. Loans and credit cards often come with interest, which means you pay back more than you borrowed. Knowing when borrowing makes sense, and when it may cost more than it is worth, can help you make smarter financial choices.
Spending Money
Spending money means making choices. Friends, ads, trends, and celebrities can all influence what we want to buy, but everyone’s priorities are different. Learning to pause and think about what matters most can help you decide whether to spend now, save for something bigger, or make a choice that feels right for you.
Saving Money
Saving money means making choices today that can help you reach bigger goals later. Whether it’s birthday money, allowance, or a little extra cash, setting money aside can make it easier to afford something that really matters to you. Learning how to save, where to keep your money, and when to spend it can help you build smart habits for the future.
Borrowing Money
Borrowing money can make it possible to pay for things now and repay the cost over time, but it is important to understand the full commitment before saying yes. Loans and credit cards often come with interest, which means you pay back more than you borrowed. Knowing when borrowing makes sense, and when it may cost more than it is worth, can help you make smarter financial choices.
Giving Money
Giving back is an important part of building a caring community. Whether it means donating money, volunteering time, or simply being kind and helpful, there are many ways to make a difference. Even small actions at home, at school, or in your community can have a positive impact on the people, places, and causes around you.
Growing Money
Growing your money takes more than planting coins and hoping for the best. Investing can be one way to help your savings grow over time, but it also comes with risk. Understanding how stocks work, why values can go up or down, and how time can affect your choices can help you decide what to do with money you want to save for the future.
It’s a Money Thing® is a registered trademark of Currency Marketing and is in partnership with ServU Federal Credit Union to offer a digital library of financial topics. This information is general in nature and for your consideration, not as financial advice. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.