****This is a sponsored post, but all opinions are my own, and we used this curriculum to give you the best information with a hands on experience.
If you are like me, you want your tween homeschooler to understand money when they graduate. Math is great, learning to read is important, but money management is what will put them in a safety net for the future. Proper money management is taught, not caught. Our society today teaches credit card debt, loans and car loans. Growing up I wish there was a course like this to prepare me for adulthood. Spending is easy, and saving gets hard.
I really feel like this course Before Personal Finance is perfect for kids between the ages of 10-13. Why? I have a 13 year old son and he loved it. His entrepreneurial spirit was quenched as he read about how to make, spend and save money. This was a great hands on experience to help him put a scope on his financial future.
Money Introduction for The Tween Homeschooler
Before personal finance has a great setup as far as learning goes. It is interesting, easy to read and the teacher’s corners are great. Nothing was left out as they planned this curriculum. Personally, I love the easy to understand instructions.
My son loved how it taught him to set up his money, and how to use it. Also, generosity is a chapter in this book. Who can think about earning money as an adult and not giving back? It is so important to save money, spend it when necessary and give back to communities, charities and churches. Teaching children this important aspect is significant.
How To Earn Money
Earning money is a necessity. How we earn it is set up great in this book. They teach the different avenues of working for yourself, or working for others’. Both options take them down a road that is very explanatory. My son finished his lessons understanding each one well.
There is a great introduction of money in the first lesson, and the history of it. Economics 101 is covered at a tween homeschooler level. Money around the world is another topic that is explained, goods and services, and finally a few notes on how we use money. If you are looking for a great hands on course Before Personal Finance is for you.
Spending Choices for Tweens
Our favorite topic of spending is discussed well with activities, history lesson, quick tidbits of information that is informative but not overwhelming. Finally, each section has a reflection area. This is important for them to look back on what they learned and write it down. I am a firm believer is writing stiff down because it cements it in your mind.
Spending choices for a tween homeschooler set the stage for them to shop for things they would be interested in such as music, video games, and fashion. All very relatable topics for tweens. One of the best parts of each lesson are the plot twists. My son wanted to do these on his own. They would take him down several different scenarios and make him think.
Saving Topics for Homeschool Tweens
There is always a future you paragraph that sets the beginning stage in each lesson. I like that so that it makes my son think into his future. At this age he can’t imagine how bills and saving will look in his 20’s. This curriculum lays out that plan in a good way.
The investing topics include a definition, information about the stock market, real estate, bonds, diversification and more. If you have a child that loves to learn about money and how to make more of it this is great. There is also a section on how to watch your savings grow and tracking it.
Streams of Income Ideas for Kids
Finally, one of my favorite parts of the Before Personal Finance curriculum is the streams of income. I always teach my own children to have more than one egg in their basket. Amidst other important avenues I feel this teaches them to watch that they always have a backup plan. Saving is great but not all in one place. Working is great, but let your money work for you. Having your own business is great but be flexible to branch out.
Having a budget, learning about insurance and discovering different ways to accommodate all of the future expenses is well planned in this book. Look no further for a money management class for your tween homeschooler. Creators of this material had this age group and how they learn in mind as they planned their lessons.
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