Activity Sheet: My Spending Decision Helper!

Before your child spends their hard-earned money, teach them to pause and ask the right questions! This fun decision flowchart walks kids through four simple yes-or-no questions that build the habit of thinking before spending — one of the most powerful money skills they will ever learn.

Starting from "I want to buy something!", the flowchart guides children through: Is it a need or a want? Do I have enough in my SPEND jar? Will I still want it tomorrow? And is this the best use of my money? Each path leads to a clear, encouraging outcome — whether that is spending wisely, saving a little longer, or keeping their money for something better.

Perfect for ages 3 to 8. Younger children can walk through the chart with a parent's guidance, while older children can use it independently every time they want to make a purchase.

This activity sheet is a great companion for all of our financial literacy books, perfect for bringing the lessons to life at home.