Parents and kids

Get your children financially capable at home

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Behavioural insights research shows that core financial values are determined at a young age. Your child sees you talk about and use money. Do they see you planning your spending or budget? Compare prices? Is there financial goal-setting going on at home or talk about KiwiSaver?

Between the ages of 3 to 8 we largely establish the values which drive our behaviour with money. So, learning about it is a shared responsibility and everyone has a part to play.

The good news is you don’t have to be an expert to make a positive difference in how your kids get to grips with money. Here’s some video, books, gamestips and tools to get started.



We’ve found some books that might help you talk and learn about money with your kids and teens.

Behavioural scientists have found that talking about money, and having positive expectations for how children use it has a great impact on future financial wellbeing.

Young people learn first from what the adults in their lives model for them – even without direct messages.

With a bit of care, talk and planning on your part, your kids will gain a sense of themselves as financially capable with more choices for their future.

If you find any other books to share please let us know – we would love to expand this read-list.


Books for primary school children

Books are available by searching your local library catalogue for the author, book title or ISBN.

one cent two cents old cent new cent

One cents, two cents, old cent, new cent

By Bonnie Worth

Beginning with the ancient practice of bartering, the Cat explains various forms of money used in different cultures, from shells, feathers, leather, and jade to metal ingots to coins, to the current king of currency, paper. A fascinating introduction which is bound to change young reader's appreciation for change.

ISBN 9780007433049

the story of money

The story of money

By Martin Jenkins

The story of money, from bartering to bail out. It's the stuff that makes the world go round, that doesn’t grow on trees. This thought provoking book explores the history of money from its earliest beginnings to the electronic banking of today.  And, reminds us that that money only exists because we believe in it.

ISBN 9781406324587 

currencies of the world

Currencies of the world

By Julie Ellis

Currencies of the world takes you from the earliest times, when people traded food and tools with each other, through the advent of coins, the development of international trade, the world financial system and how it works to the modern day world. It explains the role of banks, including the World Bank , the stock market, all the way to credit cards and internet banking--it even has tips to help kids manage their own money.

ISBN 9781877437120

what is money

What is money?

By Claire Llewellyn

A series of four stories, these delightful books introduce children to what money is and where it comes from. Other books in the series look at different ideas around their money when it comes to making decisions about how to save or spend it.

Includes notes for parents and teachers. 
ISBN 9780750260954

my money choices

My money choices

By Claire Llewellyn

What are my choices for using my money?

ISBN 9780750260978

how can you watch your money grow

Saving my money

By Claire Llewellyn

How can you watch your money grow?

ISBN 9780750260985

spending my money

Spending my money

By Claire Llewellyn

Explains how you pay for things that you really want to buy and how spending your money in different ways makes you feel.

ISBN 9780750260961  



 Books for teenagers

Books are available by searching your local library catalogue for the author, book title or ISBN.

get out of my pocket

Get out of my pocket!

By Sylvia Bowden

Get out of my pocket! offers some practical advice to parents on how to safeguard their own financial resources and raise kids to be financially independent. Done with humour and based on personal experience of raising her own children, as well as being a budget advisor.

ISBN 9780987665102

 start talking cents

Start talking cents

By Susanan Stuart

Start talking cents covers: how to teach money skills to children - from pre-schoolers to 18-year-olds, pocket money and allowances, working kids, saving and investing, peer pressure and your children's money habits.

ISBN 186941716X 

 gold start

Gold start

By Andrew Lendnal

This book by Andrew Lendnal is full of tips on how to make your child’s financial future easier. It’s written especially for older children to read themselves, with a section for parents of teens.

ISBN 9781877437120

 the opposite of spoilt  

The opposite of spoiled

By Ron Lieber

New York Times "Your Money" columnist Ron Lieber delivers a taboo-shattering manifesto that explains how talking openly to children about money can help parents raise modest, patient, grounded young adults who are financially wise beyond their years.

ISBN 9780062247025




cash crunch thumbnail

Cash Crunch Games 

Helps build positive money habits through gamification.



financial entertainment thumbnail

Financial Entertainment

Financial Entertainment is a library of free online and mobile games that aim to improve personal financial capability, self-confidence, and knowledge.


Here is a collection of songs about money from Kiwi Kids Music to help kick start some smart money discussions in a fun way!


Tips and tools

Kids talk money

The Moe Show



Sorted blog: Sex and money talks


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Sorted blog: Piggy banks are out



Sorted blog: Teens invoicing parents



Sorted blog: Kids in a cashless world


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Sorted blog: Why do we give kids money again?


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ASIC MoneySmart: Teaching kids about money



BooksGamesSongsTips and tools