{"id":284724,"date":"2025-12-04T10:27:45","date_gmt":"2025-12-04T04:57:45","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=284724"},"modified":"2025-12-04T10:27:46","modified_gmt":"2025-12-04T04:57:46","slug":"teach-middle-schoolers-about-saving-spending","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/teach-middle-schoolers-about-saving-spending\/","title":{"rendered":"How to Teach Middle Schoolers About Saving, Spending, and Earning"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#understanding-middle-schoolers-financial-awareness\">Understanding Middle Schoolers\u2019 Financial Awareness<\/a><\/li><li><a href=\"#teaching-the-value-of-earning\">Teaching the Value of Earning<\/a><\/li><li><a href=\"#saving-with-purpose\">Saving With Purpose<\/a><\/li><li><a href=\"#smart-spending-lessons\">Smart Spending Lessons<\/a><\/li><li><a href=\"#introducing-digital-money-and-banking-basics\">Introducing Digital Money and Banking Basics<\/a><\/li><li><a href=\"#teaching-responsibility-through-allowance-management\">Teaching Responsibility Through Allowance Management<\/a><\/li><li><a href=\"#how-beem-everdraft\u2122-supports-parents-in-teaching-smart-habits\">How Beem Everdraft\u2122 Supports Parents in Teaching Smart Habits<\/a><\/li><li><a href=\"#common-money-mistakes-middle-schoolers-make\">Common Money Mistakes Middle Schoolers Make<\/a><\/li><li><a href=\"#making-money-lessons-fun-and-interactive\">Making Money Lessons Fun and Interactive<\/a><\/li><li><a href=\"#fa-qs-about-how-to-teach-middle-schoolers-about-saving\">FAQs About How to Teach Middle Schoolers About Saving<\/a><ul><\/ul><\/li><li><a href=\"#conclusion-building-financial-confidence-for-the-future\">Conclusion \u2013 Building Financial Confidence for the Future<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>A child\u2019s financial, psychological, social, and academic growth takes place during their time in middle school (11-14). Within these four years of development, children develop a clear idea of their wants and needs, form independent associations, and participate in a broader range of adaptable social settings. Parents are crucial to children&#8217;s financial well-being throughout their growth.<\/p>\n\n\n\n<p>Students will purchase school supplies, lunches, minor accessories, and devices by the middle school years. Parents should model budgeting, saving, and planning for children this age because peers and social media influence them.<\/p>\n\n\n\n<p>Middle school students are ready to learn about saving, working hard, and financial planning. Technology like Beem <strong><a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Everdraft\u2122<\/a><\/strong> gives families financial flexibility to teach these skills without stress. Parents now feel more confident handling unexpected costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"understanding-middle-schoolers-financial-awareness\"><strong>Understanding Middle Schoolers\u2019 Financial Awareness<\/strong><\/h2>\n\n\n\n<p>As kids reach their early teens, much of their view of earning &amp; spending will have changed. Money will change from something viewed as &#8220;throw away&#8221; to &#8220;earned&#8221;.<\/p>\n\n\n\n<p>They notice specifics like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The justification for some brands&#8217; exorbitant costs<\/li>\n\n\n\n<li>What drives their parents to do their shopping?<\/li>\n\n\n\n<li>Why saving money for something is gratifying<\/li>\n\n\n\n<li>Why impulsive purchases frequently result in regret<\/li>\n<\/ul>\n\n\n\n<p>However, they must also contend with fresh challenges:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Social Influences<\/li>\n<\/ul>\n\n\n\n<p>Middle school trends change quickly, whether it&#8217;s new shoes, electronics, gaming gear, or stationery. Children develop desires more rapidly if they support one another.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rapid Contentment<\/li>\n<\/ul>\n\n\n\n<p>Children today have grown accustomed to digital in-game prizes, quick entertainment, and online shopping. However, the challenge to &#8216;wait&#8217; for your money will be even greater at this point.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lowered earnings potential.<\/li>\n<\/ul>\n\n\n\n<p>Adding duties for children will elevate their maturity level (will be more mature) as well as expose them to additional levels of responsibility. However, that also might mean they may not be able to earn or save as much during their teenage years due to not working as much, or at all, because of this added responsibility.<\/p>\n\n\n\n<p>For this reason, using real-world examples to teach people about money is more effective than merely reading about it in a textbook. When provided with (gently) real-life examples, children can better understand the concept of money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"teaching-the-value-of-earning\"><strong>Teaching the Value of Earning<\/strong><\/h2>\n\n\n\n<p>Kids learn to develop sound financial habits by earning a paycheck, which they equate with their own efforts rather than as an inheritance from their parents.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start by doing some small, easy jobs.<\/li>\n<\/ul>\n\n\n\n<p>Provide simple exercises like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Organising their room<\/li>\n\n\n\n<li>Helping out at the vehicle was<\/li>\n\n\n\n<li>Watering plants<\/li>\n\n\n\n<li>Performing household errands<\/li>\n<\/ul>\n\n\n\n<p>Make sure the amount of work is commensurate with the amount of return. Consider helping to wash a car for \u20b950.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Promoting Mini-Entrepreneurship<\/li>\n<\/ul>\n\n\n\n<p>Middle schoolers can develop initiative and creativity by starting small enterprises like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Providing handcrafted goods<\/li>\n\n\n\n<li>Making greeting cards<\/li>\n\n\n\n<li>Reading and basic math instruction for younger pupils<\/li>\n\n\n\n<li>The pets of the neighbours strolled<\/li>\n<\/ul>\n\n\n\n<p>Through these tasks, they discover the link between skill, effort, and financial gain.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Advice on Delaying Pleasure<\/li>\n<\/ul>\n\n\n\n<p>Middle children learn to be patient and not rush into things by earning their own money. You and your family can establish financial goals such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fresh artwork<\/li>\n\n\n\n<li>A treasured pair of shoes<\/li>\n\n\n\n<li>An item of gaming equipment<\/li>\n<\/ul>\n\n\n\n<p>They will understand the importance of striving for something instead of merely snatching it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"saving-with-purpose\"><strong>Saving With Purpose<\/strong><\/h2>\n\n\n\n<p>Saving becomes more critical when there is a motive to do so. For middle school students, the capacity to plan, track progress, and celebrate accomplishments comes naturally.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It is possible to teach short-term versus long-term savings.<\/li>\n<\/ul>\n\n\n\n<p>Short-term savings can be used for the following purposes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A delicious treat<\/li>\n\n\n\n<li>A Bite of Food<\/li>\n\n\n\n<li>Assist with a field trip.<\/li>\n<\/ul>\n\n\n\n<p>Long-term cost savings could include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A device<\/li>\n\n\n\n<li>Pedal force<\/li>\n\n\n\n<li>Participating in a sports club<\/li>\n<\/ul>\n\n\n\n<p>This helps students understand commitment and readiness.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Constructing a Save-Spend-Share Framework<\/li>\n<\/ul>\n\n\n\n<p>Make use of electronic devices or containers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Container for Upcoming Uses<\/li>\n\n\n\n<li>Jar of Spending: for everyday pleasures<\/li>\n\n\n\n<li>Use the Share Jar to help out or donate to a worthy cause.<\/li>\n<\/ul>\n\n\n\n<p>This method teaches kids that money can be saved, invested, and used to help others in addition to being used to purchase goods.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Utilise Beem and Other Apps to Track Your Progress<\/li>\n<\/ul>\n\n\n\n<p>Parents can use Beem&#8217;s budgeting tools to monitor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offer of compensation<\/li>\n\n\n\n<li>Savings goals<\/li>\n\n\n\n<li>Regular monthly spending<\/li>\n<\/ul>\n\n\n\n<p>Whether in a digital or real-world sense, seeing children&#8217;s income rise encourages them to remain consistent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"smart-spending-lessons\"><strong>Smart Spending Lessons<\/strong><\/h2>\n\n\n\n<p>Just as important as teaching people how to save is teaching them how to spend. Assisting middle school students in making thoughtful purchases is a significant duty.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comparing Prices<\/li>\n<\/ul>\n\n\n\n<p>Encourage kids by showing them how to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/trybeem.com\/blog\/unexpected-places-to-find-great-grocery-deals\/\" target=\"_blank\" data-type=\"post\" data-id=\"265621\" rel=\"noreferrer noopener\">Look for deals<\/a><\/li>\n\n\n\n<li>Assess and compare<\/li>\n\n\n\n<li>Examine user comments<\/li>\n\n\n\n<li>Consider value as opposed to quantity<\/li>\n<\/ul>\n\n\n\n<p>A quick trip to the grocery store can teach you something.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What We Want vs. What We Need<\/li>\n<\/ul>\n\n\n\n<p>Include examples from the real world:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I want a new pencil case<\/li>\n\n\n\n<li>School notebooks are necessary<\/li>\n\n\n\n<li>Shoes with a brand (desire)<\/li>\n\n\n\n<li>Required school attire<\/li>\n<\/ul>\n\n\n\n<p>Children learn the importance of prudent spending from this.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Managing Your <a href=\"https:\/\/trybeem.com\/blog\/money-triggers-emotional-spending-patterns\/\" target=\"_blank\" data-type=\"post\" data-id=\"275075\" rel=\"noreferrer noopener\">Spending Patterns<\/a><\/li>\n<\/ul>\n\n\n\n<p>Explain the findings:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Things I now regret buying<\/li>\n\n\n\n<li>Insufficient cash for future goals<\/li>\n\n\n\n<li>Feeling driven by the fashion of today<\/li>\n<\/ul>\n\n\n\n<p>Telling kids to &#8220;wait 24 hours before buying&#8221; can make them think twice about making impulsive purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"introducing-digital-money-and-banking-basics\"><strong>Introducing Digital Money and Banking Basics<\/strong><\/h2>\n\n\n\n<p>Middle school students must learn about digital currency because they are the first members of their family to grow up in a wholly digital economy.<\/p>\n\n\n\n<p>Lay the Groundwork:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Operation of Debit Cards<\/li>\n\n\n\n<li>Identity theft and PINs&#8217; importance<\/li>\n\n\n\n<li>The operation of electronic wallets<\/li>\n\n\n\n<li>The procedure for buying something online<\/li>\n\n\n\n<li>The importance of performing balance checks<\/li>\n<\/ul>\n\n\n\n<p>Use Beem&#8217;s AI Wallet and Related Resources<\/p>\n\n\n\n<p>Parents can demonstrate in a few ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The manner in which transactions appear<\/li>\n\n\n\n<li>An explanation of the spending alerts<\/li>\n\n\n\n<li>How to establish digital borders most effectively<\/li>\n<\/ul>\n\n\n\n<p>Early digital responsibility education helps kids grow up to be financially independent. Learn about <a href=\"https:\/\/trybeem.com\/blog\/teach-kids-about-saving-vs-spending\/\" target=\"_blank\" data-type=\"post\" data-id=\"280012\" rel=\"noreferrer noopener\">Fun and Creative Ways to Teach Kids About Saving vs Spending<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"teaching-responsibility-through-allowance-management\"><strong>Teaching Responsibility Through Allowance Management<\/strong><\/h2>\n\n\n\n<p>Allowance is a very effective and straightforward type of discipline.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Decide How Frequently<\/li>\n<\/ul>\n\n\n\n<p>Weekly is the most efficient for middle schoolers because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It&#8217;s easy to track<\/li>\n\n\n\n<li>They are taught short budgeting cycles.<\/li>\n\n\n\n<li>They get multiple opportunities to practice saving money and creating a budget.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Encourage the Three-Part Divide<\/li>\n<\/ul>\n\n\n\n<p>The capacity to set aside funds for the purpose of achieving goals<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invest in tiny pleasures.<\/li>\n\n\n\n<li>Share to give back.<\/li>\n<\/ul>\n\n\n\n<p>This encourages empathy and financial responsibility.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep in Touch<\/li>\n<\/ul>\n\n\n\n<p>Track: using an electronic notebook or a collaborative budgeting tool:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reimbursement obtained<\/li>\n\n\n\n<li>The savings situation<\/li>\n\n\n\n<li>Optional expenses<\/li>\n\n\n\n<li>Freebies or donations<\/li>\n<\/ul>\n\n\n\n<p>Parents have a few choices when unforeseen expenses arise for the family:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fast money access with Beem <strong><a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Everdraft\u2122<\/a><\/strong><\/li>\n\n\n\n<li>Short-term loans to ease financial burdens<\/li>\n\n\n\n<li>Smart payment reminders<\/li>\n<\/ul>\n\n\n\n<p>When used correctly and when necessary, borrowing is a helpful tool rather than a vice that teaches kids important lessons.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-beem-everdraft\u2122-supports-parents-in-teaching-smart-habits\"><strong>How Beem Everdraft\u2122 Supports Parents in Teaching Smart Habits<\/strong><\/h2>\n\n\n\n<p>Parents&#8217; expenses are not always predictable. Unexpected monthly expenses can include school activities, medical bills, appliance repairs, and outings.<\/p>\n\n\n\n<p>Beem <strong>Everdraft\u2122<\/strong> is a priceless safety net because of the following features:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quick Access to Funds<\/li>\n<\/ul>\n\n\n\n<p>It is possible to pay for immediate expenses without endangering long-term financial plans or family goals.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simple Money Management<\/li>\n<\/ul>\n\n\n\n<p>When parents are calm and organised, children follow their example. Instead of causing them concern, financial planning empowers them.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real-World Consequences of Responsible Borrowing<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476?ppid=204bcd1e-a277-4583-b905-25f0b84b2e0a\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> enables parents to teach:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Being aware of when to borrow<\/li>\n\n\n\n<li>Strategies for timely repayment<\/li>\n\n\n\n<li>Methods for Avoiding Debt<\/li>\n\n\n\n<li>Why is trust fostered by being transparent and truthful about financial decisions?<\/li>\n<\/ul>\n\n\n\n<p>Over time, this fosters a more optimistic perspective on money in kids.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-money-mistakes-middle-schoolers-make\"><strong>Common Money Mistakes Middle Schoolers Make<\/strong><\/h2>\n\n\n\n<p>Making mistakes is a part of the learning process. The most common ones are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Going Immediately Over Their Allotted Budget<\/li>\n<\/ul>\n\n\n\n<p>Impulsive spenders are middle schoolers. Parents can offer a more compassionate approach by discussing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Disappointment after making rash purchases<\/li>\n\n\n\n<li>Untapped potential<\/li>\n\n\n\n<li>How fulfilling it is to make <a href=\"https:\/\/trybeem.com\/blog\/extreme-savings-minimalism-cuts-expenses\/\" data-type=\"post\" data-id=\"274754\" target=\"_blank\" rel=\"noreferrer noopener\">small weekly savings<\/a><\/li>\n\n\n\n<li>Choosing to Adhere to Peer-Set Trends<\/li>\n<\/ul>\n\n\n\n<p>Young people often covet their peers&#8217; belongings. Have candid conversations about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Brand meddling versus brand loyalty<\/li>\n\n\n\n<li>The reasons behind fads<\/li>\n\n\n\n<li>Why comparing prices could result in financial waste<\/li>\n\n\n\n<li>Ignoring Savings Goals<\/li>\n<\/ul>\n\n\n\n<p>Help them refocus by<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduced goals<\/li>\n\n\n\n<li>supplying charts and graphs for observation<\/li>\n\n\n\n<li>Rewarding the achievement of goals<\/li>\n<\/ul>\n\n\n\n<p>Lessons in earning and saving can be developed in an environment where children take on some of their parents&#8217; responsibilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"making-money-lessons-fun-and-interactive\"><strong>Making Money Lessons Fun and Interactive<\/strong><\/h2>\n\n\n\n<p>Failure can teach a child to be more self-confident rather than ashamed or embarrassed by it.<\/p>\n\n\n\n<p>Instead of seeming like work, learning about finances should be fun for a child. Using engaging\/motivating teaching techniques will help a child learn the basic principles of handling and managing money and provide a solid foundation for their future personal finances.<\/p>\n\n\n\n<p>Fun activities include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Establishing a routine with the Save \u20b9100 Challenge<\/li>\n\n\n\n<li>Creating a spending plan for a fictional shopping trip.<\/li>\n\n\n\n<li>Spending the night with the family: Create imaginary issues for the children to solve<\/li>\n\n\n\n<li>Create Your Own Goal Poster to Highlight Your Savings Goals<\/li>\n\n\n\n<li>Apps and games that simulate <a href=\"https:\/\/trybeem.com\/blog\/the-secret-to-budgeting-during-retirement\/\" target=\"_blank\" data-type=\"post\" data-id=\"284338\" rel=\"noreferrer noopener\">budgeting<\/a>\/financial decision-making offer opportunities for increased student engagement.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-about-how-to-teach-middle-schoolers-about-saving\"><strong>FAQs About How to Teach Middle Schoolers About Saving<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764823090467\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What\u2019s a good age to start teaching about earning and saving?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The age range should be 11-12 years. In terms of effort, ambition, and accountability, middle school students are perfectly mature.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764823091274\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can parents balance giving freedom and setting money limits?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Give them a set amount of money to spend how they want; when they need help, assist them.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764823121060\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are some safe ways for middle schoolers to earn money?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Some ways children can help with household chores and\/or help others include selling their homemade items, helping neighbours, or doing tasks for others.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764823127228\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I make budgeting interesting for my child?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>An idea for using visual charts, increasing excitement through game play, or having children help organise a family vacation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764823136141\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How does Beem Everdraft\u2122 fit into a family\u2019s financial education plan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Through &#8220;the school of hard knocks&#8221; (real life), a child will also learn about critical issues, such as budgeting (spending wisely), creating a contingency plan, and utilising sound lending &amp; borrowing practices.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion-building-financial-confidence-for-the-future\"><strong>Conclusion \u2013 Building Financial Confidence for the Future<\/strong><\/h2>\n\n\n\n<p>Middle school is where most kids learn good money habits. During this time, children learn to earn and save money, store and budget for future purchases, and manage money to build a healthy, long-term relationship with it. These emotional and practical techniques help create healthy, <a href=\"https:\/\/trybeem.com\/blog\/financial-secrets-of-long-term-couples-who-thrive\/\" target=\"_blank\" data-type=\"post\" data-id=\"282762\" rel=\"noreferrer noopener\">long-term financial habits.<\/a><\/p>\n\n\n\n<p>Parents help children develop financial self-confidence, self-discipline, and independence by providing practical examples, open conversations about money, and opportunities to make their own economic decisions through discussions about other topics.<\/p>\n\n\n\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476?ppid=204bcd1e-a277-4583-b905-25f0b84b2e0a\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> <strong>Everdraft\u2122<\/strong> helps families manage unanticipated spending while teaching kids financial literacy. Used effectively, these tools and lessons can help raise financially prepared, self-reliant, economically literate children.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A child\u2019s financial, psychological, social, and academic growth takes place during their time in middle school (11-14). Within these four years of development, children develop a clear idea of their wants and needs, form independent associations, and participate in a broader range of adaptable social settings. Parents are crucial to children&#8217;s financial well-being throughout their [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":284727,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2313],"tags":[4790,142,18406,168,18407,18405],"edited-by":[],"class_list":["post-284724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earn","tag-beem","tag-kids-and-finance","tag-kids-and-saving","tag-money-matters","tag-smart-saving-habits","tag-teach-middle-schoolers-about-saving"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/284724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=284724"}],"version-history":[{"count":4,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/284724\/revisions"}],"predecessor-version":[{"id":284729,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/284724\/revisions\/284729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/284727"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=284724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=284724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=284724"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=284724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}