December money lessons for homeschool co-ops
Four short December money lessons you can run in a co-op or at the kitchen table — no prep beyond a printout and a pencil.
Written for ages 7–12. General education only, not personal financial advice. Companion book by Oliver Mark, a former licensed stockbroker (Series 7 and 63).
Week-by-week outline
- Week 1 · Needs vs wants before the wish list. Sort gift ideas into need / want / maybe. Talk about why waiting can be a gift too.
- Week 2 · Save / Spend / Give plan. Print the 3-jar savings worksheet and plan what to do with Christmas cash before it arrives.
- Week 3 · Giving that costs something. Choose a person, church project or local need. Practice giving time or a portion of gift money.
- Week 4 · After the wrapping paper. Use the Christmas money plan worksheet or calculator to reset jars for January.
Free worksheets
- Christmas money lessons for kids (7 holiday activities)
- 30-day kids savings challenge
- Needs, wants and three jars lesson plan
Companion book
Money Magic for Kids turns earning, saving, spending and giving into an illustrated adventure. Good for co-op read-alouds and family reading nights.
Buying for a whole co-op? See bulk orders. More ideas in the Christmas gift guide and the PTA blurb pack.
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