The Teen Money Journal: Your First Guide to Earning Budgeting Saving and Building Financial Independence

Product Description

Does your teen spend everything the moment they get it — and have no idea what's coming next in the real world?Most schools don't teach money. They don't teach credit, banking, or how to survive your first job either. That's exactly why this journal exists.The Teen Money Journal is not a basic journal with blank lines and generic prompts. It is a complete 90-day financial education system designed specifically for teens ages 13 to 18 — combining guided weekly tracking, monthly check-ins, savings goal trackers, life skills education, and a first job guide into one premium resource teens will actually use.Inside, your teen will learn how to open a bank account and understand the difference between checking and savings. They will learn how to fill out a W4, read a pay stub, and organize their first real paycheck so their bills are covered, their savings are set aside, and they know exactly what they can spend freely. They will understand how credit cards work before they ever get one, what a credit score is, and how to start building one early. They will get honest, straightforward guidance on digital payment safety — including Venmo and Cash App scams that target teens daily. And they will get a complete first job guide covering everything from finding a job and setting schedule boundaries, to handling a difficult manager professionally and leaving with their reputation intact.The 90-day weekly tracker builds the habit of awareness. The monthly check-ins build the habit of reflection. The savings goal pages build the habit of intentional saving. And the money challenges — including a monthly budget planner that mirrors the SystemQueen Teen Budget System — turn knowledge into action.This journal was created by Alyx Nicole, a former teacher and full-time working mom of two who discovered early on that the right systems make all the difference when it comes to money. She built SystemQueen so the next generation would not have to wait until adulthood to figure it out.The Teen Money Journal is the guide she wished she had — and the resource every parent can lean on when the money conversation feels hard to start.Makes an incredible graduation gift, birthday gift, back-to-school gift, or first job gift for any teen ages 13 to 18.The guide you wished someone gave you first.Click Add to Cart and give your teen the skills that will follow them for life.Works as a standalone resource or pairs perfectly with the SystemQueen Teen Budget System available on Etsy.