Tracking Spending Habits Level 3, Module 9-4, 10 to 12 Year Olds

Описание: Tracking Spending Habits | Level 3, Module 9-4 | Money Skills for Kids (Ages 10–12)

💰 Do you know where your money really goes? Most people think they do… until they start tracking every dollar they spend! You might be surprised how quickly small purchases add up.

In this lesson from Podnah Academy Level 3, Sofia begins writing down every purchase she makes and discovers something called ghost expenses—small, forgettable purchases that quietly drain your money over time.

Kids will learn:
✅ Why tracking every purchase is important
✅ What ghost expenses are and how they affect your budget
✅ How small purchases can become big spending habits
✅ Why financial experts recommend tracking spending before making a budget
✅ How to identify spending patterns and make smarter choices
✅ A simple system anyone can use to take control of their money

Through an engaging story, real-world examples, and a fun 7-Day Spending Tracker activity, students will learn that the first step to improving their finances is simply paying attention to where their money goes.

Perfect for:
• Kids ages 10–12
• Parents teaching financial responsibility
• Teachers and homeschool families
• Financial literacy classrooms

At Podnah Academy, we believe every smart financial decision begins with awareness. When you know where your money goes, you can make better choices, reach your goals faster, and build lifelong money habits.
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