Money Journey — Family User Guide

Version: 1.0
Audience: Parents, guardians and children
Purpose: A practical guide to setting up Money Journey and using it to build healthy money habits together.

Welcome to Money Journey

Money Journey helps families teach children about money through everyday experiences.

It is not just a place to record a balance. It gives children opportunities to receive, decide, save, spend, achieve and learn, while parents provide guidance and encouragement.

The basic idea is:

My Money. My Challenges. My Goals.

Parents manage the family system. Children manage the money they receive and make age-appropriate decisions about saving, spending, giving and goals.

Contents

Getting Started
1. The Two Money Journey Apps · 2. The Money Journey Model · 3. Getting Started · 4. Create Your Family · 5. Add Your Child · 6. Your Child's Money Journey ID and PIN · 7. Invite Another Family Member · 8. Giving Another Adult Access to a Child

Parent Home & Everyday Money
9. Parent Home · 10. Understanding "Your Balance" · 11. Child Details · 12. Add Money · 13. Pocket Money Using Auto Transfer · 14. Auto Transfers · 15. Managing Auto Transfers · 16. A Good Pocket Money Strategy · 17. Spend, Save and Give Wallets · 18. Child Transfers · 19. Moving Money Into Spend · 20. Spending Money · 21. Wallet History

Challenges & Rewards
22. Challenges · 23. Creating a Challenge · 24. Challenge Ideas · 25. How Children See Challenges · 26. Completing a Challenge · 27. Reward Approval · 28. Reward History · 29. Re-assigning a Rejected Challenge · 30. Chore Challenges and Bigger Goals

Money Requests
31. Money Requests · 32. Responding to a Money Request · 33. When to Use Money Requests

Goals
34. Goals · 35. Saving Towards a Goal · 36. Goal Progress · 37. Completing a Goal · 38. Discontinuing a Goal · 39. Goal Reached

Interest
40. Interest · 41. How Interest Works · 42. When Interest Is Applied · 43. A Simple Way to Introduce Interest

Settings, Login & Notifications
44. Wallet Value Types · 45. Save and Give Wallet Settings · 46. Child Settings · 47. Child Login and Settings · 48. Notifications · 49. Parent Notification Center · 50. Child Notification Center

Strategy, Setup & Troubleshooting
51. A Recommended First Setup · 52. Example Family Setup · 53. How to Use Money Journey as a Parent · 54. Let Children Make Small Decisions · 55. Use Features Gradually · 56. Troubleshooting · 57. The Most Important Idea · 58. Final Thoughts

1. The Two Money Journey Apps

Money Journey is delivered as two separate apps. On your phone's home screen and app store listing, look for:

• MJ Parent — the Parent app
• MJ Kids — the Kids app

MJ Parent

Parents use the Parent app to:

• Set up the family
• Add children
• Invite other family members
• Add money
• Record spending
• Create and manage Challenges
• Approve Challenge Rewards
• Respond to Money Requests
• Create Automatic Transfers
• Configure Interest
• View wallet history
• Manage child access and settings
• Monitor progress and goals

MJ Kids

Each child uses the Kids app to:

• View their money
• View Spend, Save and Give wallets
• Transfer money between their wallets
• Spend money
• Create and work towards Goals
• Complete Challenges
• Request Challenge Rewards
• Ask selected Guardians for money
• View Rewards
• View wallet history
• Receive important notifications

Children do not manage family administration such as Challenges, Auto Transfers, Interest, Family Members or Sharing.

2. The Money Journey Model

Money Journey is built around a simple relationship:

Parents provide opportunities and money.

Children decide what to do with money they receive.

Money can reach a child through:

• A parent adding money
• An approved Challenge Reward
• An Automatic Transfer
• Interest

Children do not create money. They decide how to use money that has been given or earned.

3. Getting Started

Step 1 — Create your Parent Account

Open MJ Parent and create your account using:

• Email address
• Password

Your email becomes your parent login identity.

After creating your account, Money Journey takes you into family setup.

4. Create Your Family

The first-time setup follows this journey:

Create Account
      ↓
Create Your Family
      ↓
Add First Child
      ↓
Add More Children (optional)
      ↓
Invite Family Member (optional)
      ↓
Parent Home

You only need one child to continue.

You can add more children and family members later.

The person who creates the family becomes the Family Creator. The Family Creator always retains management access.

5. Add Your Child

When adding a child, you can provide:

• Child name
• Optional photo
• Optional starting balance
• Your relationship to the child

Relationships can include Mum, Dad or another relationship such as Grandparent, Guardian, Step Parent or a custom relationship.

The relationship belongs to the adult-child relationship. This means different adults can have different relationships with the same child.

6. Your Child's Money Journey ID and PIN

When a child account is created, Money Journey generates:

• A unique Money Journey ID (MJ Number)
• A random 4-digit PIN

The Parent sees both on the Child Created confirmation.

Give these details to the child so they can sign in to MJ Kids.

The Money Journey ID does not change.

The initial PIN can later be changed by the child or reset by a parent.

If a parent resets the PIN, the old PIN immediately stops working and a new random PIN is shown once to the parent.

7. Invite Another Family Member

You can invite another adult using Invite Family Member.

The invitation itself does not decide:

• Their relationship to a child
• Which children they can access
• Their permissions

The process is:

Invitation
    ↓
Invited Adult Creates/Uses Account
    ↓
Request to Join
    ↓
Family Creator Approves
    ↓
Relationship + Child Access

This makes Money Journey suitable for different family structures, including parents, grandparents, guardians and blended families.

8. Giving Another Adult Access to a Child

After approving a family member, the Family Creator can choose:

• Their relationship to each child
• Which children they can manage

Access is managed per child.

A Guardian with access can, according to Version 1 permissions:

• View the child
• Add/spend money
• Approve rewards
• View wallet history

The Family Creator cannot remove their own access.

9. Parent Home

Parent Home is the main daily screen.

It answers:

How are my children doing?

It shows your children first, followed by Parent Tools.

A child summary can show:

• Current Story
• Total Balance
• Your Balance
• Recent activity for your chosen summary period
• Goal progress
• Other Guardians sharing the child
• Quick Add and Spend actions

By default, the summary period is the trailing 7 days — deliberately not calendar "this week". You can change it to 10, 14 or 30 days from Settings; whatever you choose applies across Parent Home. Child Home always shows the trailing 7 days.

10. Understanding "Your Balance"

If more than one Guardian manages a child, each Guardian has their own Guardian Spend Wallet for that child.

Your Balance is therefore your balance with that child, not the child's total balance.

It can be negative, and that is normal.

For example:

• You add $20 for your child.
• Your Guardian Spend Wallet records that contribution.
• Later, the child records $5 of spending attributed to you.
• Your balance moves back toward zero.

It is bookkeeping that helps Money Journey keep track of which Guardian funded spending.

11. Child Details

Tap a child from Parent Home to open Child Details.

Child Details shows:

• Overall balance
• Goals
• Spend Wallet
• Save Wallet
• Give Wallet
• Wallet activity
• Interest earned, when applicable
• Add Money
• Spend Money
• Child Settings

Each wallet has its own history. Money Journey does not combine all wallets into one transaction history.

12. Add Money

Add Money is for giving a child money directly.

Use it for things such as:

• A one-off payment
• Birthday money
• Extra pocket money
• Money for a special occasion
• Money you want to give outside a Challenge

The Parent Money Transaction screen handles both adding and spending.

Typical flow:

Choose Add
   ↓
Enter Amount
   ↓
Choose Wallet
   ↓
Optional Reason
   ↓
Confirm

The default wallet is the Spend Wallet, but the wallet can be changed before confirming.

Parent Tip

Add a meaningful reason when useful.

For example:

Birthday money

or:

Great effort this week

This gives the transaction a story your child can understand later.

13. Pocket Money Using Auto Transfer

Money Journey does not require you to manually add pocket money every week.

Use Auto Transfer to create a recurring payment.

For example:

Weekly Pocket Money — $10 — every Sunday — Spend Wallet

This can turn pocket money into a predictable family routine.

14. Auto Transfers

Auto Transfer is designed for recurring money movements.

Parents can create a rule with:

• Description
• Amount
• Frequency
• Start Date
• Child
• Destination Wallet
• Enabled/Disabled status

Supported frequencies are:

• Daily
• Weekly
• Monthly

For weekly transfers, select a day of the week.

For monthly transfers, select a day from 1–28.

Transfers run at 12:00 AM in the family's timezone on the scheduled date.

Examples:

Weekly Pocket Money
$10 → Spend Wallet
Every Sunday

Savings Habit
$5 → Save Wallet
Every Friday

Holiday Fund
$20 → Goal
Every Month

Auto Transfer can send money to the child's Spend, Save, Give or Goal Wallet, depending on the wallets currently available.

15. Managing Auto Transfers

Auto Transfers behave like a library of rules.

You can:

• Create one
• Edit it
• Disable it
• Re-enable it
• Delete it

Disabling pauses future transfers without deleting the rule.

Deleting the rule does not remove transactions that already happened.

If a scheduled transfer is missed because the backend/scheduler is unavailable, Money Journey performs one catch-up execution when processing resumes rather than creating multiple catch-up payments.

Important

Creating an Auto Transfer does not itself notify the child.

The child is notified when money is actually transferred.

16. A Good Pocket Money Strategy

There is no single correct way to give pocket money.

One simple approach is:

$10 weekly pocket money
        ↓
     Child decides
        ↓
Save some
Spend some
Give some

Another approach is to automate saving:

$10 weekly
   ↓
$7 Spend
$3 Save

The purpose is not to force a particular ratio.

The purpose is to help children practise making decisions.

17. Spend, Save and Give Wallets

Money Journey separates common money purposes into wallets.

Spend Wallet

Money available for spending.

Children can spend from Spend without parent approval.

Save Wallet

Money set aside for saving.

Children can move money between their own wallets, subject to the Spend-wallet rule described below.

Give Wallet

Money the child has chosen to set aside for giving.

Parents can enable or disable Save and Give for each child.

The Spend Wallet is always the core wallet and cannot be disabled.

18. Child Transfers

Children can transfer money between their own wallets and Goals.

For example:

Save → Goal
Give → Save
Goal → Give
Spend → Save

These ordinary transfers do not require parent approval.

This is an important part of child ownership.

19. Moving Money Into Spend

Money Journey treats moving money into Spend from another wallet differently.

For example:

Save
 ↓
Spend

The child must ask the parent.

This is not designed as a punishment or hard restriction.

It creates an opportunity for a conversation:

"Why do you want to use your savings?"

The child is given ownership while the parent gets involved when a more significant spending decision is being considered.

20. Spending Money

Children can spend directly from the Spend Wallet.

No parent approval is required.

A spending transaction requires:

• Amount
• Optional note describing what was bought

No category, receipt, photo or proof is required.

If multiple Guardians exist, the child records who actually spent the money (for example Mum or Dad). If there is only one Guardian, that Guardian is identified automatically.

The transaction immediately reduces the Spend balance and appears in Wallet History.

21. Wallet History

Each wallet has its own history.

The Wallet screen shows the three most recent transactions.

Choose History to see the complete history.

This means a child can answer:

"What happened to the money in this wallet?"

without mixing it with transactions from other wallets.

22. Challenges

Challenges are one of the main ways Money Journey connects responsibility and rewards.

Parents create Challenges.

Children complete them.

Parents decide whether the resulting reward should be approved.

The basic flow is:

Parent Creates Challenge
        ↓
Assigns Child
        ↓
Child Sees Challenge
        ↓
Child Completes It
        ↓
"I Did It!"
        ↓
Reward Request
        ↓
Parent Responds
        ↓
Reward Added / Request Resolved

23. Creating a Challenge

Go to:

Parent Home → Parent Tools → Challenge Library

Create a Challenge with:

• Title
• Reward amount
• Frequency
• Optional notes
• Assigned children

The frequency can be:

• One Time
• Daily
• Weekly

Weekly Challenges have a selected day.

You can assign one Challenge to multiple children.

You can also create separate Challenges with different rewards for different children.

24. Challenge Ideas

Examples:

Everyday Responsibility

🧹 Make your bed

Reading

📚 Read for 20 minutes

Household Help

🐱 Feed the pet

Weekly Challenge

🧹 Clean your room

Personal Development

📖 Read every day this week

The best Challenges focus on useful behaviours, not simply on making money.

25. How Children See Challenges

Children see currently available Challenges directly on Child Home.

There is no separate "All Challenges" screen.

Children see Challenges that are:

• Assigned to them
• Active
• Available today

Future Challenges are not shown.

Completed Challenges disappear from the active list.

The child-facing Challenge does not need to show the technical frequency setting. The child should focus on:

What do I need to do?

rather than:

How was this configured?

26. Completing a Challenge

When the child believes they have completed a Challenge, they choose:

I Did It!

Money Journey then asks for confirmation:

Did you complete this Challenge?

The child chooses:

Yes, I Did It!

or:

Not Yet

If they choose Not Yet, nothing changes.

If they confirm:

• The Challenge leaves the active list
• A Reward Request is created
• The child sees it under Rewards/Pending Rewards
• The parent receives the request

The child does not receive the money immediately.

27. Reward Approval

Parents manage Reward Requests from:

Parent Home → Parent Tools → Pending Rewards

A parent can:

Approve

The requested reward is paid.

Approve Different Amount

The parent can choose a different amount.

A reason is required so the child understands why the amount changed.

Reject

The parent can reject the reward.

A reason is required.

The child receives the result.

28. Reward History

On the child's side, Rewards have:

• Pending
• Completed
• History

Completed means the request has been resolved. It does not necessarily mean money was paid.

For example, a rejected reward still appears as Completed because the request has been resolved.

There is no separate Rejected section.

29. Re-assigning a Rejected Challenge

Rejecting a reward does not automatically reassign the Challenge.

If appropriate, the parent can explicitly choose Re-assign Challenge.

This creates a new Challenge occurrence.

The rejected Reward Request is not retained as a separate resolved Reward record in that case.

30. Chore Challenges and Bigger Goals

A Challenge can also be used to build a larger achievement.

For example:

Weekly Challenge: Complete 5 chores
Bonus: $3

This can encourage consistency rather than rewarding only individual tasks.

Parents can use Challenges in different ways depending on their parenting style.

31. Money Requests

Money Requests are different from Challenge Rewards.

A Challenge Reward says:

"I completed something you asked me to do."

A Money Request says:

"I would like some money for this reason."

The child can choose:

• Amount
• Reason
• Which Guardian(s) should receive the request

The reason is required.

Only the selected Guardian(s) see the request.

32. Responding to a Money Request

Parents find requests under:

Parent Home → Parent Tools → Pending Requests

A selected Guardian can:

• Approve the requested amount
• Approve a different amount
• Reject the request

A parent does not have to provide a reason for any of these actions.

The money, when approved, is added to the child's Spend Wallet.

If more than one Guardian was selected, the first selected Guardian to decide resolves the request for all selected Guardians.

A child can cancel their own pending Money Request before a Guardian decides.

Cancelled or resolved Money Requests are not kept as history.

33. When to Use Money Requests

Money Requests are useful when a child wants to ask for something outside their normal money routine.

For example:

"Can I have $8 for this book?"

The parent can then decide whether to:

• Approve it
• Approve part of it
• Reject it

This creates a natural money conversation.

If a child is asking too frequently, the Parent can disable Allow Money Requests for that child.

Existing pending requests are not removed by disabling the feature.

34. Goals

Goals are owned by the child.

A child can create a Goal for something they want to achieve.

Examples:

• 🎮 A game or console
• 🚲 A bicycle
• 🎧 Headphones
• ✈️ A holiday
• 🎁 A special gift

A Goal includes:

• Name
• Optional icon
• Target amount

The child decides what they want to save for.

35. Saving Towards a Goal

Once a Goal exists, the child can move money into it from their own wallets.

For example:

Save Wallet
    ↓
Nintendo Switch Goal

The Goal shows progress such as:

$30 of $40

The child can increase or decrease an active Goal's target.

The target cannot be reduced below the amount already saved.

36. Goal Progress

Child Home shows Active Goals.

Completed and Discontinued Goals are kept as history and can be viewed in the Goals experience.

This creates a record of achievements.

A child can look back and see:

"I saved for this and achieved it."

That sense of achievement is an important part of Money Journey.

37. Completing a Goal

In Version 1, only a parent can complete a Goal.

When a parent completes a Goal:

• The Goal's saved balance is moved to that completing parent's own Guardian Spend Wallet for the child.
• The historical target is synced to the amount actually saved.
• The action is confirmed because it is irreversible.

A Goal can therefore be completed even if the child saved slightly more or less than the original target.

38. Discontinuing a Goal

A parent can also discontinue a Goal.

When a Goal is discontinued:

• The Goal leaves the active journey.
• Its remaining balance is returned to the child's Spend Wallet.
• The Goal remains visible in Goal history.

This prevents money from becoming inaccessible just because a child no longer wants the original goal.

39. Goal Reached

When a Goal crosses its target for the first time, Money Journey can notify Guardians who have access to that child.

For example:

🎉 Goal Reached!
Leo's "New Shoes" goal just reached 100%.

This is intended as a celebration and a prompt for the family to recognise the child's achievement.

40. Interest

Interest is a parent-managed family feature.

Parents can configure Interest and select which children participate.

Children do not configure Interest themselves.

The child sees the result rather than the administrative settings.

For example:

Interest earned this week
+$0.35

or:

Interest earned this month
+$1.20

41. How Interest Works

Money Journey calculates interest from the combined balance of all non-Spend wallets — Save, Give and Goal wallets together — priced at the moment the calculation runs.

Every wallet except the Spend Wallet earns interest:

• Save Wallet
• Give Wallet
• Goal Wallets

Future Goal Wallets automatically participate when Interest is enabled for the child.

If a calculation is ever delayed by more than a day (for example the backend was briefly unavailable), each missed day is priced using that day's own end-of-day balance rather than today's balance repeated for every missed day — so a gap never produces duplicated or inflated interest.

The child sees the total interest for the current Interest period rather than separate interest figures for every wallet.

42. When Interest Is Applied

At the end of the configured Interest period:

1. Money Journey calculates the interest.
2. One Interest transaction is created.
3. The interest is added to the child's Spend Wallet.
4. A new Interest period begins.
5. The child receives an Interest notification.

Parents do not receive routine notifications for normal Interest applications.

The child can see the Interest transaction in normal wallet activity/history.

43. A Simple Way to Introduce Interest

Parents can explain it simply:

"When you keep money in your savings, Money Journey can give you extra money for keeping it there."

Then use the Interest feature to demonstrate that saving can produce growth over time.

The app deliberately hides the complex bookkeeping from the child.

44. Wallet Value Types

Money Journey can represent a child's wallet using a selected Value Type.

Version 1 supports:

• Money ($)
• Star (⭐)
• Heart (❤️)

The Parent selects one Value Type for the child.

The selected type applies to all of the child's wallets.

This can make Money Journey useful for families who want to experiment with different reward concepts while keeping the same underlying experience.

45. Save and Give Wallet Settings

Parents can enable or disable:

• Save Wallet
• Give Wallet

These settings apply individually to each child.

The Spend Wallet cannot be disabled.

Goal Wallets are managed through the Goals experience rather than these wallet toggles.

46. Child Settings

Parents can manage child-specific settings from:

Parent Home → Child Details → Child Settings

These include:

• Save Wallet
• Give Wallet
• Allow Money Requests
• Manage Sharing
• Money Journey ID
• Reset Child PIN

47. Child Login and Settings

Children log in using:

Money Journey ID + PIN

After successful login, they go directly to Child Home.

From their profile/avatar, children can:

• Change their avatar
• View their name
• Change their PIN
• Log out

Children cannot change their name.

Changing a PIN requires the current PIN, the new PIN and confirmation.

48. Notifications

Notifications are designed to tell families when something meaningful happens.

Parent Notifications

Examples include:

• A child completed a Challenge and requested a reward
• A child's Goal was reached

Parent notifications are an information layer. They do not replace the normal Pending Rewards or Pending Requests workflows.

Child Notifications

Examples include:

• New Challenge
• Reward Approved
• Reward Approved for a Different Amount
• Reward Rejected
• Money added
• Auto Transfer completed
• Interest added
• Money Request response
• Goal reached

The child does not need a notification-settings screen in Version 1.

49. Parent Notification Center

Parents can open the bell icon from Parent Home.

The Notification Center shows notifications newest first.

Unread notifications have an indicator.

Tapping a notification marks it as read.

The notification itself is not an action hub; parents continue to the relevant feature when they need to act.

For example:

Reward Request notification
→ go to Pending Rewards

50. Child Notification Center

The child also has a Notification Center accessed through the bell icon.

Unread notifications show a badge.

Notifications provide useful context without exposing parent administration.

For example:

💰 Money Added
$5.00 was added to your wallet.

or:

🌟 New Challenge
Mum created a new Challenge for you.

51. A Recommended First Setup

You do not need to configure every feature on the first day.

A simple first setup is:

Step 1

Create the Parent account.

Step 2

Create your child.

Step 3

Install MJ Kids.

Step 4

Give the child their Money Journey ID and PIN.

Step 5

Add a small amount of money.

Step 6

Create one simple Challenge.

Step 7

Help your child create a Goal.

Step 8

Let the child decide how to divide their money between Spend, Save and Give.

Step 9

After the family is comfortable, introduce Auto Transfer and Interest.

52. Example Family Setup

Here is one possible setup:

Weekly Pocket Money

$10 every Sunday

Automatically transferred to Spend.

Optional Chores

Make bed
$1

Feed pet
$1

Clean room
$3

Weekly Challenge

Complete five chores this week
Bonus reward: $3

Savings

Child decides:

Save $4 of each $10 pocket-money payment.

Goal

🎮 New Game
Target: $60

Interest

Parent enables Interest for the child's Save, Give and Goal wallets.

The result is a simple learning cycle:

Receive
   ↓
Decide
   ↓
Earn
   ↓
Save
   ↓
Spend
   ↓
Achieve
   ↓
Learn

53. How to Use Money Journey as a Parent

The app works best when parents use it as a conversation starter.

Instead of only saying:

"You need to save."

Ask:

"What are you saving for?"

Instead of:

"You spent too much."

Ask:

"Do you think that was worth it?"

Instead of:

"You earned $5."

Ask:

"What did you do to earn it?"

The app provides the structure.

Parents provide the teaching.

54. Let Children Make Small Decisions

Money Journey is intentionally designed to give children genuine ownership.

Money in Spend can be spent without parent permission.

Children can move money between their own wallets.

Children can choose their Goals.

Children can ask for money.

Parents step in where a conversation is useful, such as moving savings into Spend or responding to a Money Request.

The goal is not to eliminate mistakes.

The goal is to let children learn from manageable decisions.

55. Use Features Gradually

A family does not need to use everything.

Simple Family

Use:

• Add Money
• Spend
• Save
• Goals

Chore-focused Family

Add:

• Challenges
• Reward Requests

Pocket-money Family

Add:

• Auto Transfer

Saving-focused Family

Add:

• Goals
• Auto Transfers
• Interest

More Advanced Family

Use the complete system:

• Pocket money
• Challenges
• Rewards
• Money Requests
• Savings
• Goals
• Auto Transfers
• Interest
• Spending
• Giving

Money Journey adapts to the family rather than requiring every family to use every feature.

56. Troubleshooting

My child cannot log in

Check that the child is using:

• Their Money Journey ID
• Their current PIN

The child does not use the parent's email and password.

If the PIN has been forgotten, a parent can use:

Child Details → Child Settings → Reset Child PIN

My child forgot their PIN

A parent can reset it without knowing the old PIN.

A new random 4-digit PIN is generated.

The previous PIN stops working immediately.

My child's Challenge disappeared

If the child selected Yes, I Did It!, the Challenge intentionally leaves the active list and becomes a Pending Reward.

Check Rewards/Pending Rewards.

My child completed a Challenge but didn't receive money

Completing a Challenge creates a Reward Request.

The parent must respond to it.

Check:

Parent Home → Pending Rewards

My child asked for money

Check:

Parent Home → Pending Requests

Only Guardians specifically selected by the child receive that Money Request.

Why can't my child move savings directly into Spend?

Moving money into Spend from another wallet requires a parent conversation.

This is intentional.

Why isn't a Goal shown as a wallet?

Money Journey deliberately presents Goals separately from standard wallets.

The Goal has an internal wallet for accounting, but the child sees:

My Wallets

and:

My Goals

This prevents the same money from being presented twice.

Why didn't my child get a notification when I created an Auto Transfer?

Creating the rule does not notify the child.

The child is notified when the Auto Transfer actually adds money.

57. The Most Important Idea

Money Journey is not about teaching children financial theory first.

It is about giving children safe opportunities to experience money.

A child can:

Receive → Decide → Save → Spend → Achieve → Learn

Parents:

Guide → Encourage → Discuss → Celebrate

Together, those small experiences can become lifelong habits.

58. Final Thoughts

Start small.

Give your child their first amount of money.

Create one Challenge.

Let them choose one Goal.

Let them decide what to save and what to spend.

Then gradually introduce automatic pocket money, savings transfers, Interest, Challenges and Money Requests as your family becomes comfortable.

There is no perfect Money Journey.

There is only your family's Money Journey.

Learn money. Build habits. Grow together.

Money Journey