Personal Finance Basics for Tweens

Turn tweens into “money detectives.” This guide explains income sources, needs vs. wants, fixed vs. variable expenses, and how to track spending before building a balanced budget with allowance, envelope, or digital methods. Students set short-, mid-, and long-term goals, see why early saving matters (hello, compound interest!), and get an age-appropriate intro to credit, credit scores, loans, and debt. Includes ready-to-use tools: Income Tracker, Spending Snapshot, Budget Plan, SMART Goals Planner, Savings Tracker, and a monthly Budget Review checklist. Perfect for independent work, small groups, or homework in Grade 6.