A fun, hands-on syllabus for children ages 7 to 12 to build lifelong money skills
Money Smarts for Little Legends was born from one simple belief: every child deserves to grow up financially confident. We create joyful, age-appropriate financial education that turns big money concepts into exciting adventures.
Our programme is designed specifically for Kenyan children ages 7–12, connecting global financial wisdom with everyday local experiences — from Kenyan shillings to M-Pesa, school tuck shops to family budgets.
We partner with schools, parents, and community groups to deliver a curriculum that is fun, practical, and life-changing.
Financial habits form before age 10. We plant the right seeds early.
Games, stories & activities make concepts stick for life.
We equip parents to continue lessons at home every day.
All examples and currency are 100% Kenya-relevant.
Four carefully designed modules that build on each other — from understanding money to mastering a personal budget.
Children discover what money is, where it comes from, and why it matters. Through stories and hands-on activities, they explore the journey from barter trade to the Kenyan shilling and beyond.
Explore how people exchanged goods before coins existed. Act out a barter market in the classroom!
From shells to shillings — a fun journey through how money evolved across cultures and centuries.
Identify and count Kenyan coins and notes. Explore M-Pesa as a form of digital money used daily.
Explore different ways adults earn: jobs, businesses, farming. Draw a picture of your dream job!
One of the most important financial concepts: distinguishing between what we must have and what we simply desire. Kids learn to make intentional choices and practice delayed gratification.
Identify what every person needs to survive — food, shelter, clothing, education, healthcare.
Recognize wants: toys, gadgets, candy, extra shoes. Why do wants sometimes feel like needs?
Introduce trade-offs. If you spend on a want, what need might suffer? Practice sorting scenarios.
The power of delayed gratification. Read "The Marshmallow Experiment" story and connect it to money.
Children discover why saving matters, set their very first savings goal, and begin to understand patience and planning as financial superpowers.
Explore what happens when you save consistently vs. spending everything. The "ant and the grasshopper" lens.
Child-friendly SMART goals — Specific, Measurable, Achievable, Relevant, Time-bound. Set one today!
Divide money into Spend 🟡, Save 🔵, Give 🟢. Allocate a sample allowance across all three jars.
Each child creates a personalised savings plan with a target amount, deadline, and weekly saving amounts.
Practical maths meets money! Children practice counting currency, understanding income and expenses, and keeping a simple personal budget — skills they will use for life.
Sort and count Kenyan coins and notes. Practice making exact amounts and giving change correctly.
Introduce "income" (money in) and "expenses" (money out). Track a sample week of transactions.
Each child fills in their own weekly money tracker: what they earned, spent, and saved.
Final challenge: plan a "family day out" with a set budget. Present choices to class. Celebrate all wins!
From enrolment to graduation — a simple, structured journey for every child.
Sign up online or through your child's school. Works for classrooms and homeschool families alike.
Access fun worksheets, activity cards, and a parent guide — available digitally or in print to use at home or in the classroom.
Two lessons per week with games, roleplay, and real-money activities that make finance unforgettable.
Celebrate with a certificate, a completed savings plan, and the money mindset to last a lifetime!
Every lesson adapts to meet children exactly where they are.
| Age Group | Focus | Skill Level | Example Activity |
|---|---|---|---|
| ⭐ Ages 7 – 8 | What money is, basic counting, needs vs wants | Recognise & sort coins/notes | Design a coin; sort 10 cards into Needs/Wants |
| ⭐⭐ Ages 9 – 10 | Savings goals, 3 jars, simple budgeting | Count & calculate change | Set a savings goal; fill weekly tracker |
| ⭐⭐⭐ Age 11 | SMART goals, income/expenses, mini budget plans | Add, subtract, compare budgets | Plan a "day out" budget; present to class |
By the end of this 8-week journey, every child will be able to…
Describe what money is, why it exists, and the different forms it takes
Confidently tell the difference between essential needs and nice-to-have wants
Create and follow a simple savings plan with a real target and timeline
Accurately count coins, notes, and calculate simple change in real scenarios
Keep a personal income & spending tracker and understand where their money goes
Understand giving as part of a healthy money mindset through the 3-jars system
Small actions at home and in the classroom make an enormous difference.
Whenever possible, use real coins and notes. Tactile experience makes abstract concepts stick for young learners.
Involve kids in real grocery trips, markets, or M-Pesa transactions. Real context is the best classroom.
Every shilling saved is worth celebrating! Praise effort and patience, not just the final goal amount.
Allow small spending mistakes with their own money — they learn more from experience than from lectures.
Talk openly about budgeting and saving at home. Kids learn financial behaviour by watching the adults around them.
Games, stories, and role-play work better than lectures. If it isn't fun, it won't stick for this age group.
Real stories from parents and teachers who've seen the difference.
"My daughter now puts aside Ksh 50 every week without being asked. She even has a little notebook where she tracks what she spends. I'm amazed at how much she absorbed in just 8 weeks!"
"The classroom market roleplay was absolutely magical. Every single child was engaged, laughing, and learning. The 3 jars method is something they still talk about months later."
"As a single parent I always worried about my son's money habits. This programme gave him language and tools I never had growing up. He actually taught ME about needs vs wants!"
Join hundreds of Kenyan families giving their children the financial superpower they deserve. It starts with one step.
🚀 Enrol Your Child Today