How to be cashless and teach your kids money
The Screen Money Kit
The Screen Money Kit is the system for every dollar of your child's money that lives on a screen and never gets seen i.e. electronic money. Built for 6 to 12 year olds, and it lands best between 6 and 10.
For less than one month of a subscription (that you've probably forgotten you're paying for), you'll walk away with:
✔ A one page agreement you and your child fill in together and both sign, done in 15 minutes
✔ A fair monthly spending cap for your child's age, worked out for you instead of you continually guessing or being asked
✔ The balance board, so an account nobody can see becomes a number on your fridge
✔ A straight answer on whether kids should have a debit card, and what to look for if the answer is 'yes' (with no products pushed at you - we are not affiliated with any bank)
It takes about 20 minutes to read, and you can have the first part on the fridge tonight. Your child updates the number themselves, and from then on it keeps working without you.
What this Kit will help you do:
✔ Stop being the account balance your child keeps asking you about
✔ Let your child watch their money go down (which is the bit cash used to do for free)
✔ Agree a monthly spending limit instead of arguing about one every few weeks
✔ Turn the checkout into a 1 minute lesson instead of a tap nobody notices
✔ Find what your family is quietly paying for every month, with your child sitting next to you
Ten parts:
✔ The agreement: one page, filled in together, both of you sign it. Fifteen minutes and it holds for three months. Print this one.
✔ The caps: what a fair monthly ceiling actually looks like at each age, so you're not guessing in the moment.
✔ The balance board: a number on the fridge that your child updates themselves, for money that only exists in an app. This is the one.
✔ The checkout talk: how to turn one invisible tap into a lesson, in about a minute.
✔ The gift card system: the only hard ceiling left, run across a whole year.
✔ The card question: what to look for, what to avoid, what to ignore. No products named, and we get nothing from anyone.
✔ The subscription audit: find what your family is quietly paying for, with your child sitting next to you.
✔ 6, 8 and 12: what changes at each stage, because they're three different children.
✔ The monthly review: five minutes, once a month. Print this one too.
✔ Start here: the problem underneath all of it, and why none of it is your fault.
This is for you if:
👉 You have a cashless, or near cashless, household, and every bit of money advice still starts with coins and jars (so how do you manage a cashless house and still teach your kids about money?)
👉 You want your child to understand money on a screen, because that's the only money they're ever going to use
👉 Your child asks you how much they've got in their account, because you're the only one who knows
👉 Pocket money goes across as a transfer and then vanishes without anyone actually seeing it
Because Little Builder Families raise money wise kids one small money moment at a time.
Note: this kit is written for 6 to 12 year olds, and it lands best between 6 and 10. If your child is 5 or below it may be too soon for you (you will definitely need it one day though!). For under 6s, concentrate on a good pocket money system first. It can be found here.
One thing The Screen Money Kit doesn't do: it won't tell you how much pocket money to give, how often, or how to split it between saving, spending and giving. That's Pocket Money That Actually Works, and it's a separate decision.
