Grow With Us: The Future of Financial Wellness

Kids Parents

Discover fun ways to save and spend wisely with Kirby

Understanding Needs vs Wants

Needs are things that we have to have, like food and shelter. Wants are things that we would like to have but don't necessarily need, like a new toy or video game. It's important to make sure we have what we need first before we get what we want. When we save money, we can plan for both our needs and our special wants! This way, we learn to make good choices and feel happy when we get something we've saved up for. Remember, saving a little at a time can help us get the things we want while making sure we always have what we need!

Kirby Joke

What’s a princess’s favorite time?

— Knight time.

Click To Reveal Answer

Kirby's Big Heart

Kirby the kangaroo loved helping his friends. One day, he saw his friend Wally looking sad.

"My family's home got damaged in the storm, and we can't fix it," Wally said.

Kirby decided to help. He asked his mom and dad if they could have a bake sale. They agreed, and Kirby and his parents helped spread the word.

On the day of the bake sale, friends from all over the town came to buy the wonderful looking pastries. Kirby explained, "Helping others is important. We can make a big difference with money, food, shelter, or just being a friend."

They raised enough money to fix Wally's home. Kirby and his friends worked together to repair it.

"Thank you, Kirby," Wally said. "We couldn't have done it without you."

"That's what friends are for," Kirby replied, smiling.

From then on, Kirby reminded everyone that even small acts of kindness could make a big difference. And with a big heart, Kirby was always ready to help those in need.

Saving Topics

Make Small Savings Goals

Saving money is like planting seeds for your dreams to grow! When you save, you're preparing for exciting adventures and big goals ahead. So, let's be smart with our pennies and watch our dreams bloom into reality!

Giving Back

Remember, being kind and generous feels super awesome! Sharing what you have with others spreads happiness and makes the world a brighter place. So, let's team up and make kindness our superpower!

Being Responsible

Just like taking care of your room or things that are important to you, being responsible with money means taking care of our pennies, nickels, and dimes! It's about making sure you know where something is the next time you want to use it. That means not spending it all at once on treats, but saving some for later when we really need it.So, let's be money superheroes and always remember to use our money wisely!

Earning Money

Just like grown-ups have jobs, we can also do little jobs to earn money. Helping out around the house with chores or extra tasks, maybe we help set the table for dinner, walk the dog, or tidy up our room. Every little job you do can help to earn money, and then you can use that money to buy things you want or save it for something really special!

Parents

Looking for ways to teach your kids about money? It’s never too early to start growing a healthy path to financial well-being. Come on in to find kid-friendly money activities and ways that you can make smart financial decisions with your kids!

Household Budgeting Tips

Groceries Savings Tips

Over recent years, the cost of essentials has skyrocketed, from fresh produce to pantry staples, the aisles of supermarkets have become battlegrounds where consumers face the harsh reality of inflation. What was once considered a routine grocery run now demands strategic planning and financial foresight. Here are some tips for saving where you can when you are in the store aisles.

Establish your local supermarket circuit- some stores have savings on produce, some on bulk items, or even cleaning essentials. Split your purchases across multiple stores to pinpoint the best deals at each.
Look at the price per unit- Be mindful of the value you're receiving for your expenditure. The pricing display near the product typically includes the cost per unit (ounce, pound, gram, etc.) for various packages.
Avoid shopping online or deliveries extra cost- While online grocery services and subscriptions offer convenience, they may also come with a hefty price tag. you might not consistently locate the specific size you desire, potentially leading you to opt for a larger size at a higher cost. Furthermore, certain grocery orders on Amazon are handled by third-party sellers, potentially incurring additional shipping expenses that contribute to your overall bill.
In the face of rising costs and inflation, navigating the supermarket aisles has become a strategic endeavor for consumers. As the prices of essentials continue to climb, it's imperative to adopt savvy shopping habits to mitigate the impact on our wallets. By implementing these cost-saving strategies, individuals can navigate the challenges of inflation with greater confidence and financial resilience, ensuring that the grocery run remains a manageable aspect of everyday life.

Money Saving Vacation Tips

Plan a wallet-friendly family vacation as summer approaches. Here are some tips to be sure that you can enjoy your sunny get away with your family.

Being Flexible: Flexibility in travel dates saves on airfare and accommodation.
Outskirt Stays: Try staying further from city centers or large tourist spots for cheaper and quieter stay.
Social & App Deals: Look for deals on social media, apps, and other online travel booking sites, to find the best price for your trip.
Booking Early/Last Minute: Book early for major holidays to avoid the price jump before the date or try last-minute deals cautiously as they could come with delays.
Volunteering Trips: These trips can offer an affordable cultural experience.
All-Inclusive: Resorts that offer all-inclusive packages can help to simplify budgeting for a trip.
Stay-cations: Explore local attractions for a budget-friendly, stress free vacation.

With some strategic planning, enjoy more adventure together while saving money.

Teaching Your Children About Money

Allowance

Providing children with a regular allowance can empower them to make informed decisions about money from a young age and understand the value of hard work. Here are a few beneficial life lessons that come with getting an allowance.

Financial Literacy Development: Allowing kids to manage their money fosters basic financial skills like budgeting, saving, and smart spending, laying the groundwork for a lifetime of responsible money management.
Decision-Making Skills: Allocating their allowance encourages children to prioritize, make choices, and develop critical thinking skills essential for navigating life's decisions.
Responsibility and Accountability: Receiving an allowance teaches kids the value of limited resources and the consequences of their spending choices, fostering accountability and responsible stewardship.
Work Ethic and Chores: Tying allowances to chores teaches the correlation between effort and financial reward, instilling a strong work ethic that extends beyond monetary compensation.
Goal Setting and Patience: Managing their allowance helps children set financial goals, teaching patience and delayed gratification necessary for achieving long-term objectives.
Providing allowances equips children with financial responsibility and vital life skills, shaping their approach to money and decision-making from an early age.

How Much Should You Be Saving A Month

Finding the right amount to save can be challenging; while many experts suggest saving between 10% and 20% of your income, this may prove difficult for some individuals. If setting aside around 20% of your monthly income seems unattainable, it's natural to feel disheartened about saving in general. Remember, don't fixate on hitting a particular target. Any savings is good savings, adopt the "pay yourself first" principle. Upon receiving your paycheck, prioritize setting aside a portion for savings before allocating funds to other expenses. This budgeting strategy is commonly referred to as paying yourself first. While having a substantial amount of savings may initially appear advantageous, it can entail drawbacks. For instance, if the act of saving induces stress or prompts you to accumulate debt, it may be prudent to reassess your approach.