The Habit of Saving

Money Life Skills for Preteens
(Ages 10-12)

The choices you make with your money today shape your tomorrow.
At Shiminly, we believe confidence begins with self-understanding. This self-paced course helps students explore how their thoughts, feelings, and self-talk shape how they see themselves. Through reflection and simple strategies, students build self-awareness, shift negative thinking, and grow with greater resilience at school, at home, and in life.

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 beginning to manage their own money and make everyday spending choices. It is a strong fit for schools and programs that support financial literacy, critical thinking, and responsible decision-making. The Habit of Saving helps students build smart money habits early, understand wants versus needs, and develop practical skills that support confident choices at school, at home, and in daily life.

What’s Included

Real-life scenarios & quizzes

Reflection journals & tools

Final assessment & certificate

Downloadable glossary & reference sheet

Why This Matters

Preteens are starting to make more independent choices about money, spending, and saving. Learning how to manage money early helps them avoid impulsive decisions and build confidence in their ability to plan ahead. This lesson matters because it teaches students how to think critically about their choices, understand the difference between wants and needs, and develop a savings habit that supports their goals. These skills lay the foundation for responsible decision-making, financial confidence, and lifelong money habits.

Ready to build saving habits that actually stick?

Learn at your own pace with real-life, reflective content designed to help you build smart saving habits and make thoughtful money choices. Whether you are learning to balance wants and needs, planning for a goal, or practicing self-control when spending, this lesson gives you the tools and mindset to manage your money with confidence and responsibility.
In this lesson, you will:
  • Explore what saving means and why it is an important habit to build
  • Learn the difference between wants and needs and how to make smarter spending choices
  • Practice using critical thinking to decide when to spend and when to save
  • Build planning and self-control skills through real-life activities
  • Create your own Savings Challenge Plan and earn a certificate to celebrate your progress
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