Teen Budget Starter Kit
Budgeting that actually fits teen life—no lectures, no drama.
If money talks keep turning into arguments—or you’re the family ATM—this kit gives your teen a simple Spend • Save • Give plan.
One minute on payday. Color-in savings that motivate. Short scripts that keep it kind.
What You’ll Get
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Clear setup: Allowance Agreement so everyone knows the plan
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Real method: Spend/Save/Give Goals (percent or fixed $)
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Easy habit: Weekly Tracker (goodbye “Can I have $20?”)
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Motivation built-in: $250 Tracker + Blank Goal Tracker
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Simple budgeting: Beginner Budget (plan vs. actual)
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No late-fee life: Monthly Payment Reminders (phone, subs, dues)
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For drivers: Gas & Car Fund (quick fuel math + weekly tracker)
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First job ready: Paycheck Decoder (gross → net + 10% auto-save)
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Keep it calm: Parent & Teen Script Cards (copy-and-say lines)
Specs: 13 pages • ✎ PDF Download
Why It Works
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Save first. A tiny payday routine that sticks.
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Visual progress. Color-in trackers make wins visible.
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Real-life pages. Phone share, apps, gas, first job—covered.
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Language for tough moments. Scripts keep everyone kind and consistent.
How It Works
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Download and open the PDF (or print).
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Start tonight: sign the Allowance Agreement, pick a 60/30/10 or 50/40/10 split, and run the 60-second payday routine.
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Stay on track: color a savings line, check Payment Reminders weekly, use scripts when things get tense.
What’s Inside
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Goals & Weekly Tracker — set your split, log paydays in 60 seconds
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Savings Trackers — $250 Goal + Blank Goal Tracker
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Wants vs. Needs — quick checklist teens will actually use
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Payment Reminders — phone, subs, club dues (with alerts)
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Gas & Car Fund — plan fuel + build a real car fund
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First Paycheck Decoder — decode net pay + set 10% auto-save
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Script Cards — parent + teen lines that de-drama money talks
Real-Life Wins
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“The Weekly Tracker ended the constant Venmo requests.”
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“Coloring the tracker kept my teen focused on their goal.”
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“The Payment Reminders page stopped the ‘Did you pay me?’ texts.”
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“We set 10% auto-save from the first paycheck in five minutes.”
FAQ
Is this a physical product?
No—digital PDF files. Download instantly after purchase.
Will it work outside the U.S.?
Yes—A4 size included. Pages rely on checkboxes and numbers, not U.S.-specific forms.
What ages is this for?
Great for middle school through early college. Drivers and first-jobbers get extra value.
Refunds?
Digital items aren’t refundable, but if a file hiccups, I’ll resend or swap formats—promise.
