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Financial Peace Junior, by Dave Ramsey
Free Ebook Financial Peace Junior, by Dave Ramsey
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Teach your children how to handle money while they are young, and they'll avoid costly mistakes later. Financial Peace Junior is the power of Financial Peace tailored for children ages 3-12.
- Sales Rank: #267181 in Books
- Published on: 2011-11-22
- Original language: English
- Number of items: 1
- Dimensions: 1.90" h x 11.40" w x 9.10" l, 1.55 pounds
- Binding: Paperback
- ISBN13: 9781937077051
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
Most helpful customer reviews
110 of 112 people found the following review helpful.
Excellent Guidelines
By Amazon Customer
I was a little concerned when I read that it was suitable for ages 3-12. I ordered it for my 7 and 10 year old daughters. I couldn't be more pleased. It absolutely is suitable for all those ages. Anything that the "under 6" set may not understand can be easily explained. My girls have enjoyed filling out the activity book. I've enjoyed the chore chart because they are so much more eager to work for their money. They've especially enjoyed the lessons of save, spend, and give. It's been a real blessing to have this to help them have something tangible to see their savings grow.
58 of 59 people found the following review helpful.
This Program is a Staple in Our Home
By Kathryn Campbell
Although there are a lot of components to this program, it's very easy to establish and get set up. My daughter had just turned 4 when we began using it, because we are devoted Financial Peace followers ourselves. It's easy to adjust some of the components to the age of the child, as well.
CHART:
For instance, my daughter lost interest in using the chart to mark off her jobs as she completed them. It seemed to be more of a hassle for her, so she'd avoid doing jobs if she had to take the time to mark it off on the chart! And adding up the money she earned each day, week, etc. was above her interest-level/understanding, but would be great for older children. So, we nixed using the chart until she gets older and becomes more task-oriented.
ENVELOPES:
We use the envelopes for "Save" "Give" and "Spend" every day and she gets a quarter for completing each job. She's learned that 4 quarters equals $1 and it keeps things affordable for Mom and Dad! It works out to about $3-5 per week depending on how motivated she is. The point we reinforce is, work=pay; no work=no pay and it will take longer to save for things she wants. She understands this and it's the choice she makes if she doesn't want to do a job when it comes up.
JOB EXAMPLES:
Her jobs at 4 and 5 years old include: Bringing her dishes to the kitchen after she's done eating, letting the pets in and out to go potty in the backyard, putting her clothes in her laundry basket (as opposed to tossing them all over the floor), helping mom clean up toys at the end of the day.
SAVING:
The first time she saved up money for her "SAVE" envelope, we made sure the goal was small so she could experience a more timely gratification. Once she was able to go to the store and make the purchase, it totally clicked and she was eager to save for more things, even if they are more expensive. I was a bit worried when she needed to save $20 for a scooter that it'd be too big of a goal, but sure enough, we printed out the picture of the desired scooter and hung it on the chart (we do use the clip on the chart for hanging pictures of what she's saving for because it's a constant reminder for her). After a month of saving, she got to go to Target and get her scooter. That experience has also given her a better appreciation for how much things cost. Now Mommy can say, "That dress you want costs the same amount as your scooter you saved for." Or "That Barbie dreamhouse you want costs the same amount as FIVE of your scooters." It truly does resonate with her.
SPENDING:
She doesn't put too much into her "Spending" envelope, but we also don't have many opportunities for her to buy stuff at stores anyway. But sometimes, I'll make sure she brings this envelope if we are going to the Dollar Tree or Target (with their $1 section) so she can get herself a treat when we are out.
GIVING:
Trying to explain charity and "Giving" to a 4 year old is definately challenging, as they are in an egocentric stage and typically, want everything for themselves. We introduced the "Giving" concept by having her save up $1 in that envelope and we took it to PetSmart to buy the kitties in the Adoption Center treats (they sell 99 packs of treats). We gave them to the Store Manager and he let us bring them to the Adoption Center and give some to the kitties. She became really gung-ho on contributing to the "Giving" envelope after that. She was able to actually purchase and give the gift to the kitties in need of homes, so that's what we continue to give to now. As she gets older, we can start branching out from PetSmart.
ONLY COMPLAINT:
My only "complaint" is I wish there was a girl's version of the "Junior" story. My daughter wasn't interested in Junior's story very much because he's just another stinkly 'ol boy! She's very girly girl, so this kit was a bit boyish for her tastes.
64 of 69 people found the following review helpful.
Great way to teach the little ones - Dave Ramsey Style!
By G&S Mommy
OK - so we always pay our bills on time, don't carry debt beyond our house and have an emergency fund. However my darling children, 8 and 6, are spoiled, very spoiled. So - it was time to teach them about money! We have only instituted the product these past 2 weeks. We pay 25 cents every time they complete a chore for the day. My daughter, the 6 year old spender, earned $2 in one day. I have never seen her more helpful. It used to be I'd be the one running around the house like a crazy person to make the beds because that is a pet peeve of mine. I now have 2 very helpful children making their own beds, sorting socks from the laundry and taking an interest in helping. Week 1 my daughter got to see my son earn more $ because he was more helpful. Week 2, well she stepped it up big time. She even worked hard to out earn him when he went to a friend's to play. They both willingly divvied up their money into the 3 envelopes at the end of the week. I thought for sure the youngest was going to need to be coaxed into doing it, but she did it happily.
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