Chapter 9: Your First Money Challenge
LESSON GOAL
BY THE END OF THIS LESSON,
you’ll look back on your money challenge journey, celebrate what you accomplished, and reflect on what you’ve learned about yourself, your money habits, and your goals.
💬 let’s break it down
You’ve done so much! You set a goal, made a plan, tracked your money, and stayed committed. 🎉
Now it’s time to pause and look back — not just at how much money you saved or earned, but also at:
What went well
What surprised you
What you’d do differently next time
This is called reflecting — and it’s one of the best ways to grow.
Even if everything didn’t go perfectly (spoiler: it never does!), you still learned powerful lessons.
Reviewing your wins helps you: ✅ Celebrate what you did right
🔍 Notice patterns and habits
🧠 Get even better next time
Remember: progress beats perfection — always!
🧠 ANALOGY: Reviewing is Like Rewatching a Game Tape
Athletes watch replays of their games to see what they did well and what they can improve. 🏀🎥
You’re doing the same thing — but with your money game!
Looking back helps you grow forward.
🤔 critical thinking questions
What money goal did you reach (or get closer to) during this challenge?
What was the hardest part? What was the most fun?
Did anything surprise you about your habits?
What’s one thing you want to do differently next time?
✍️ journal entry: “Money Wins + What’s Next”
Write about 3 wins you had during your money challenge.
They can be big (like reaching your goal) or small (like saying no to buying candy).
Then answer:
What did you learn about yourself?
What would you change next time?
What’s your next money goal?
👨👩👧👦 ACTIVITY WITH FAMILY OR FRIENDS: Money Awards Ceremony
What You’ll Need:
Paper or index cards
Markers
Family or friends to celebrate with!
What to Do:
Create fun award categories like:
🥇 “Best Saver”
🥈 “Smartest Budgeter”
🥉 “Most Creative Earner”Give everyone a chance to share their progress.
Make it fun, encouraging, and full of high-fives!
🎯 What This Teaches: Celebrating small wins builds confidence and makes money learning fun and memorable.
💵 real-life practice: Write a Note to Future You
Write a short letter to your future self. Include:
What you learned in this challenge
What habits you want to keep
A reminder to stay focused on your goals
Seal it in an envelope and open it in 3 months to see how far you’ve come!
🌟 Bonus: Start a “Money Wins” notebook to keep adding to over time.
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Add a short summary or a list of helpful resources here.