Teachings kids to budget – the envelope method made easy

At Jackson County 1st Credit Union, we believe budgeting skills should start young. One of the easiest ways to teach kids how to manage money is with the envelope method—a simple, visual system that even young children can understand.

Here’s how it works: when your child receives allowance or gift money, help them divide it into three envelopes—spend, save, and give.

This creates a habit of intentional money management from the start.

• Want that new toy? They’ll learn to budget from the "spend" envelope.

• Saving for something big? The "save" envelope grows over time.

• And the "give" envelope fosters generosity and empathy.

The beauty of this method is that it’s tangible. Kids can physically see where their money goes, helping them make smarter decisions and develop lifelong budgeting habits. Ready to take the next step? Pair the envelope method with a Jackson County 1st savings account to turn those saved dollars into something even greater—with interest.

4466 Clinton Street
Marianna, FL 32446
850-526-4470
www.jacksoncounty1st.com