Evan-Moor Financial Literacy and Life Skills for Kids, Ages 10-11, Advanced Money Skills Workbook, Earning, Saving, Spending, and Using Credit Cards, Real-World Lessons and Activities
Financial Literacy and Life Skills Series
What’s inside...
Published by Evan-Moor Educational Publishers, this 128-page workbook introduces 10- to 11-year-olds to the real-world foundations of earning, saving, budgeting, spending, banking, and using credit. Through short reading passages, engaging scenarios, charts, and hands-on activities, children practice decision-making and critical thinking while building essential math and life skills. The book’s friendly tone, relatable examples, and step-by-step lessons make abstract money concepts concrete and age-appropriate.
Series reading
Non-Sequential
Age
10-11
Length
96 pages
Text complexity
Discussion points
What is the difference between a need and a want in your life?
How might saving today help you reach a dream tomorrow?
Why is paying a credit card bill on time important?
How can donating money or time benefit both giver and receiver?
What online safety rules protect your financial information?
Tip: Role play these questions
Compare store prices together to practice smart shopping.
Let your child track a small family expense for a week.
Set a shared savings goal and celebrate progress.
Key lessons
Example Lesson: Earn before you spend
Explanation: Activities stress planning income sources prior to purchases.
Real-World Application: Kids save allowance before buying games.
Example Lesson: Differentiate needs and wants
Explanation: Grocery-list exercise categorizes essentials versus extras.
Real-World Application: Makes mindful choices in stores.
Example Lesson: Pay yourself first
Explanation: Savings-jar task illustrates allocating money to goals first.
Real-World Application: Creates habit of automatic saving.
Example Lesson: Credit requires responsibility
Explanation: Card-game simulation shows costs of late payments.
Real-World Application: Promotes timely bill payment when older.