Spend, Save, or Share?

Money Life Skills for Preteens
(Ages 10-12)

Every dollar is a decision.
At Shiminly, we believe smart money habits start with thoughtful thinking. This self-paced lesson helps students understand how to make choices about spending, saving, and sharing in everyday life. Through real-life examples and guided reflection, students learn to pause, think through their options, and decide what makes the most sense for their goals. The experience builds responsibility, confidence, and financial awareness, helping students make wise money decisions at school, at home, and beyond.

Core Skill

Critical Thinking

Designed For

Ages 10-12

Duration

60 minutes

Who It’s For

This lesson is designed for students ages 10 to 12 who are starting to learn how to make choices about money and understand its role in everyday life. It is a strong fit for schools and families that want to build financial awareness, responsibility, and critical thinking at an early age. Spend, Save, Share supports students as they practice decision making, goal setting, and thoughtful planning, helping them feel confident and prepared to make smart money choices both in and beyond the classroom.

What’s Included

Real-life scenarios & quizzes

Reflection journals & tools

Final assessment & certificate

Downloadable glossary & reference sheet

Why This Matters

As preteens grow, they begin making more choices about money and independence in everyday life. This lesson helps students understand how spending, saving, and sharing decisions affect their goals, habits, and values. By practicing critical thinking and planning, students learn to slow down, consider their options, and make responsible choices. These early money skills build confidence, responsibility, and awareness, supporting students as they navigate school, friendships, and real-life situations now and in the future.

Want to build smart money habits that last?

Learn at your own pace with real-life activities that help you understand how to make smart choices with money. Through guided reflection and practical examples, students learn when to spend, why saving matters, and how sharing can help others. Whether students are planning for a goal, deciding how to use their money, or thinking through everyday choices, this lesson builds critical thinking, responsibility, and confidence for real-world money decisions.
In this lesson, you’ll:
  • Learn what it means to spend, save, and share money, and why each one matters
  • Practice making smart money choices by comparing options and thinking ahead
  • Use critical thinking to decide what fits your goals and priorities
  • Create your own Spend Save Share plan, which you can use in real life
  • Earn a certificate to celebrate your progress and new money skills
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