Little Savers: My First Money Kit | Ages 3–5 | Workbook + Binder + Envelopes

• Little Savers workbook: Laminated pages with Wire-O binding, so it lies flat and can be used again and again
• A6 Savings Binder (Full Kit only): a small binder sized for little hands
• Labelled cash envelopes: Save, Spend and Share for real money, plus a Play Pieces envelope
• Velcro play pieces: 12 saving stars, 4 play notes and 2 play coins, ready to stick onto the activity pages
• Markers: For drawing, circling and colouring on the pages
• Free Grown-Up Guide: A digital download via the QR code inside the book

Five big ideas, one short page at a time:

1. Earning: money comes from work and from gifts
2. Planning: the difference between needs and wants, and why waiting helps
3. Saving: choosing a goal and watching savings grow
4. Spending: every purchase is a choice
5. Sharing: money, time and kindness can help others

1. Sit together for 5–10 minutes. Read Penny the Piggy Bank's words aloud, then let your child do the activity.
2. Stick, colour, count and play. Velcro pieces and markers make every page hands-on.
3. Practise with real money. Your child splits their money between the Save, Spend and Share envelopes and tracks their saving in the book.

Small parts. Not for children under 3 years. Always supervise play with money pieces and Velcro dots.

Little Savers is designed to be used together: your child does the activity, and you guide it with the words printed on every page. No money knowledge is needed.

Why start at 3?
Children start forming ideas about money long before school, just by watching how grown-ups pay, wait and choose. Little Savers gives those early ideas simple words and hands-on practice, so saving, spending and sharing feel normal from the start.

How to use the book together
• Read Penny's words aloud. Penny the Piggy Bank speaks to your child at the top of every page.
• Follow the action word. Each page has one big action (Stick! Colour It! Circle It! Count! Pay! Point!) with a short "Grown-up reads" line to say to your child.
• Use the grown-up box. At the bottom of each page you'll find what to say, what to ask and how to bring the lesson into everyday life.
• Keep it short. Five to ten minutes is plenty. Repeating a favourite page is part of learning.

How the book and binder work together
The book teaches the idea; the binder holds the money.
• Save, Spend and Share envelopes hold your child's real money. When money comes in, help them put a little in each envelope and say the words: "Save is for later. Spend is for now. Share is to help."
• Savings challenges in the book track the Save envelope. Each time money goes in, your child sticks a star or colours a mango, a stripe, a bow or a circle.
• The Play Pieces envelope keeps the Velcro play money and stars separate, so play money never mixes with real money.

Play money and real money
The play money is designed to look like Trinidad and Tobago coins and notes, with the same values and colours, and is clearly marked as play money. Use it to practise first, then bring in your own coins and notes. Letting your child hand money over at the shop teaches more than any page.

Made to last
The pages are laminated and reusable, so every activity and savings challenge can be done again when your child chooses a new goal. Count the play pieces back into their envelope after each session so nothing goes missing.

Safety
The play coins, stars and Velcro dots are small parts. This kit is not for children under 3, and play should always be supervised.