How Learning and Earning Can Make Dreams Come True!start earning money doing little jobs, saving...

How Learning and Earning CanMake Dreams Come True!

Hey Kids!Have your parents ever told you that something you want to do or buy was too expensive?

If so, then you have already learned one of the fundamentals of financial literacy. Sometimes you won’t have the money you need to buy something you want, or to go somewhere you want to go.

But, with some money smarts, you can set a goal, make a plan, start saving and eventually reach your goal! It’s all part of the Money Smart Adventure!

In this booklet, you will meet two puppy pals who want to go to the Bow WOW World Dog Amusement Park—the most exciting and fun-filled dog park in the world—but they don’t have enough money.

As you follow them, you will learn basic money smart tips for you to use to plan your own money smart adventure!

Note to Parents: How to Use Money Smart Adventure with Your ChildrenWhen children learn to manage money at a young age, they are more likely to be responsible with their money as adults. Financial education is a key component of financial security.

Learning about money is fun for kids. They see you use it and talk about it and early on discover that it has power and impact on their lives. Understanding money gives them a sense of confidence in their own relationship with the world.

Money Smart Adventure provides you with a series of learning activities that give your child an understanding of money and financial education while providing you with the opportunity to discuss these topics as a family and share your values on the topic.

Take your time with Money Smart Adventure. Just do a page or two a day together. Encourage your child to colour the pages and make the booklet a special keepsake to refer back to. This provides further review and practice, reinforcing the concepts. Once the activities are complete, celebrate the accomplishment by doing something special with your child!

For more ideas and information on building your child’s financial skills or to download a PDF of this activity book please go to:

www.td.com/kidsandmoney

Table of ContentsThrifty & Fritter’s Money Smart Adventure . . . . 1THE ADVENTURE BEGINS: Setting a Goal . . . . 2GET MONEY SMART: Wants vs. Needs . . . . . . . 4IDEAS: How Entrepreneurs Earn Money . . . . . . 6COST CUTTERS: Save Money with Coupons . . 8THE BIG PLAN: Saving Adds Up . . . . . . . . . . . 10MONEY SMART: Fritter’s Saving Success . . . 12KEEP IT UP: Close to the Goal . . . . . . . . . . . . . 14IN BUSINESS: Refreshing Change . . . . . . . . . . 16He Did It! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18Answers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Financial Education is essential for children to become smart consumers and understand how economics affects their lives. The good news is that children

are very curious about the topic of money.

TD is pleased to collaborate with award-winning educational publisher, Kid Scoop ®, to present “Money Smart Adventure,” a free Financial Education Activity Book for children ages 7-12. Kid Scoop specializes in making subjects such as math

and economics both fun and memorable, and connected to school curriculum.

Educational Activity Pages by Kid Scoop • Sonoma, CA • www.kidscoop.com

Coin images © 2018 Royal Canadian Mint. All rights reserved. Bank notes images used with the permission of the Bank of Canada. Money Smart Adventure,

created by Kid Scoop, is used under license by TD or its affiliates. Kid Scoop is the property of Vicki Whiting. Money Smart Adventure © 2018 Vicki Whiting. All rights reserved. All trade-marks are the property of their respective owners. The TD logo and other trademarks are the property of The Toronto-Dominion Bank.

Why so sad,

Fritter?

Another summer has gone by, Thrifty, and I didn’t have enough

money to go to Bow WOW World Dog Amusement Park!

At the beginning of August.

What!? It costs about $100 for a day at Bow WOW World. You can’t save that much in

less than a month, Fritter!

Maybe if you start earning money doing

little jobs, saving every

month, you can save $100 by next summer.

Whoo-hoo! That sounds like a GREAT plan, Thrifty!

I’ve been wanting to visit Bow WOW World, too. I’ll start saving right along with you and we can go together!

When did you

start saving up to

visit the park?

Thrifty & Fritter’s Money Smart Adventure

And so, Thrifty and Fritter’s Money Smart Adventure begins!

Will Thrifty be able to save the $100 he’ll need to enjoy a day at the incredible Bow WOW World Dog Amusement Park?

Turn the page and join them on the adventure!

Sigh…

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T H R I F T Y & F R I T T E R ’ S M O N E Y S M A R T A D V E N T U R E

1

Take out the trash daily:

$3.00

Rake leaves: $2.00

Wash the neighbour’s

car: $4.00

Feed grandma’s cat: $2.00

Set the table:$1.00

Help fold laundry:$2.50

Weed the garden:

$2.50

Collect cans for recycling:

$2.00

You don’t have to

earn it all at once! Try earning just $10

�rst.

THE ADVENTURE BEGINS: Setting a Goal

I sure do! You’re saying I should

have paid myself $100 to paint that

fence!

What’s wrong, Fritter?

(Sni�!) I’ve tried and tried, but I can’t think of a

way to earn $100 to visit the Bow

WOW World Dog Amusement

Park!

ritter can �nd a way to earn $10 a month by doing little jobs for his family and neighbours.

Make a plan for Fritter. What jobs could he do to earn at least $10 in a month? Circle them.

Family TalkTalk to a family member about a time they saved money to buy something. How did they go about it? How long did it take? What kept them going towards their savings goal?

It’s like that time you painted the back fence. You did it small sections at a time, and soon it was �nished!

See what I mean?

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Break your goal into smaller goals:

GOAL!!!

My Goal:

What is a big goal you would like to achieve? Is it saving money, improving how well you play a sport or are you completing a big homework project?

You Can Do It!

1.

2.

3.

4.

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3

Look at these stores. Check the box above each store to show if it contains more things that you would WANT, NEED or BOTH. Below each store, list a few things it might sell that you would NEED.

GET MONEY SMART: Wants vs. Needs

A NEED is something you must have in order to survive or function. You need shelter, clothing, food, water and sometimes things like medicine or school supplies.

A WANT is something you would like to have, but can live without. A music player, computer, television and bike are wants not needs.

But it sure hasn’t

been easy, Thrifty!

You mean things you WANT to buy! You NEED to learn the

di�erence!

There are so many

things I NEED to

buy!

Fritter, how much have

you saved so far for our big

Bow WOW World Dog

Amusement Park visit?

$12 this

month!

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4

ritter needs some help sticking to his saving plan. Write NEED next to each of the items below he must buy for his health or safety. Then write WANT by things that might be fun to have, but that he could do without.

THINK ABOUT IT: Cake is a food, but is it a WANT or a NEED?

Knowing the di�erence between WANTS and NEEDS is the best way to make sure your saving plan SUCCEEDS!

I’ve been working hard this month! Put a check in the box next to each job I did.

If you check the right boxes, they add up to exactly $12!

Fritter’s savings to date: $12

Look around your room. Make a list of all the things you can see from your doorway. Then, write W next to each thing that can be considered a WANT. Write an N next to each item that can be considered a NEED. Do you have more WANTS or NEEDS in your room?

Mowed the lawn: $3

Made my bed (mom expects me to do that): $0

Picked up the neighbour’s newspaper: $2

Took out the trash: $1

Did the dinner dishes: $5

Swept the �oor: $4

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5

An entrepreneur (pronounced on-treh-preh-noor) is a person who sees a way to earn some money by solving a problem.

For example, lots of kids have learned that thirsty people on hot days will pay money for a cold glass of lemonade. So, they set up a lemonade stand. Those kids are realentrepreneurs!

These helpful activities aren’t just a good way to earn some extra money. They’re also a good workout, too!

O�er to help move furniture

when your folks are

cleaning the �oors.

See if a neighbour might like help

bagging up fallen leaves around

their home.

O�er to help with yard work

around your school or church.

You can o�er to help the

coach for a team of younger kids.

Hand out orange slices during breaks or help with equipment.

What is an entrepreneur? Financial Fun & Fitness

Thrifty, you’re a genius! I have some toys, and comics, and...

When jobs aren’t easy to

�nd, sometimes you have to think like an

entrepreneur!

It’s a good thing I’ve been saving my money, Thrifty. No one has any little jobs

for me this month!

I’m having a yard

sale this weekend.

Have anything

to sell?

IDEAS: How Entrepreneurs Earn Money

Talk to your family

members about ways

that you can earn a little

money doing special

chores or by gathering

items for a yard sale. Do

they have other ideas?

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6

One way to make money is to get a job. But that is not possible for everyone. Oftentimes, kids can’t get jobs because they are too young to work.

But that hasn’t stopped kids around the world from �nding clever ways of earning some cash by becoming entrepreneurs. It takes some creativity and patience, but you can be an entrepreneur, too!

Write out a business idea for each of the problems below.

1. Your neighbours are going on a two

week vacation. They have two cats and a

large �sh tank.

2. An elderly neighbour has a hard

time getting to the store. She also has lots of leaves and weeds in her yard.

3. You hear neighbours complaining about

how much they dislike washing their

windows and other weekend chores.

Draw a line to match each puzzle piece.

Fritter’s savings to date: $17

Think Like an Entrepreneur

Ways to Earn

1.

2.

3.

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Have you noticed that di�erent companies make the same product? In other words, lots of companies make bread,

ice cream, toy cars, pet food, cleaning products, etc.

This gives you a choice when you go shopping. But how do you decide which company’s products to choose?

Sometimes companies o�er incentives or special deals to encourage you to choose their product over another company’s product.

A common incentive is to o�er a lower price, or a coupon for a special price on a particular product.

Why do coupons have

expiration dates?

Discuss this with a

parent.

No, no, no, Fritter! That’s a CROUTON,

not a coupon!

Gosh, Thrifty. I’d sure like to buy this �ying disk toy, but

it costs a little too much.

There’s a coupon for 25% o� anything at

the dog toy store in this morning’s

paper. Have you ever used a

coupon?

Coupon? Yum! I put those on my salads.

COST CUTTERS: Save Money with Coupons

Slashing Prices with Coupons

When using coupons, you have to read carefully for

important details.

Find the two coupons on

this page that are exactly

the same.

E X P I R E S O C T O B E R 3 1

Save $2.50 o� any 3-pack.Not valid with any other o�er.

CREAMY PEANUT BUTTER




E X P I R E S N O V E M B E R 1 6Save $2.50 o� any 4-pack.

CRUNCHY PEANUT BUTTER




E X P I R E S N O V E M B E R 1 6












E X P I R E S O C T O B E R 3 0

Save $2.00 o� any regular size jar.






Save $2.50 o� any 3-pack.Large jars only.











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If this was a real shopping trip and you used all of the coupons, how much would you have spent?

How much would you have saved?

$

$

Fritter’s savings to date: $25.50

Ketchup regular price: $4.75With coupon you pay: $

Popcorn regular price: $5.75With coupon you pay: $

Toothpaste regular price: $4.25With coupon you pay: $

How much can you save?Look at the price of each item, then the savings

each coupon o�ers. Write down what you would pay for each item with the savings from its coupon.

Dog food regular price: $2.50With coupon you pay: $

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THE BIG PLAN: Saving Adds UpAnd it’s exciting just

watching your money grow and grow and grow, isn’t it, Fritter?

I knew you

could, buddy!

Grow? All my money is the same size!

Just keep saving, Fritter...

Thrifty, so far I’m doing really GREAT

at saving my money!

Work with a family

member to come up with

solutions for these

challenges.

STICKY PROBLEM BIKE LANE PAIN

What advice would you give Maria about how to reach her goal of buying a new bike?

Q:What should Evan do to keep saving some money each week?

Q:

Evan collects stickers from the grocery store vending machine. Each one costs 50¢. He buys one each time his family shops, which is usually three times a week.

Evan earns $3.00 a week pulling weeds in his neighbour’s yard, so he spends half of his money each week on stickers and saves the rest in his piggy bank.

This week, the grocery store replaced the old sticker machine with a brand new one. The stickers are bigger, but they cost $1.00 each. If he buys three, he’ll spend all his money every week.

Maria walks and feeds her Aunt Meredith’s dog, Zinger, every day after school. Maria gets $2.00 per day for taking such good care of Zinger.

Maria wants a new bicycle that costs $75. If she saved all her money each week, she could buy the bike in about two months. But Maria downloads music from her favourite bands at $1.30 per song a couple times a week. She also buys a smoothie for $3.95 on Saturdays with her friend Katie. And sometimes they go to a movie together. Movie tickets cost $7.00 each.

Talk with your family about times you’ve had to all save money to do something or get something. Talk about spending mistakes that have been made and what was learned from them.

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When Fritter puts money into his savings account, that is called a deposit. When he takes money out of his savings account, that is called a withdrawal.

For example, looking at his savings account book, you can see that Fritter deposited $5.00 that he earned doing chores on October 15. You can also see that he made a withdrawal of $7.00 on October 18.

OCT. 1OCT. 15OCT. 18OCT. 31NOV. 1NOV. 8NOV. 9NOV. 13NOV. 30DEC. 1

$12.00$5.00

.50$8.00$4.00$3.00

.12$10.00

$12.00$17.00$10.00$10.50$18.50

$7.00

$2.00

Look at what Fritter spent money on this week. Is there anything you think he could have done without? How much money would he have saved if he didn’t buy two or more things on the list?

movie ticket: $9.00

large popcorn: $6.50

5 puppy pops: $12 2 packets of candy: $6.002 comic books: $4.00toothbrush: $2.50

socks: $3.50

oranges: $1.99

Watch Your Spending

It All Starts Adding Up!

Did Fritter reach his goal of saving $12 per month? Ask a parent to help you

�ll in the missing balances to see how much money

is in Fritter’s account.

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11

MONEY SMART: Fritter’s Saving SuccessFritter has been working hard to save up for his visit to Bow WOW World Dog Amusement Park. He needs a total of $100 and by sticking with his savings plan, Fritter is well on his way to reaching his goal!

So far, Fritter has saved up:

Another way to write that amout is using words, like this:

One great way to save a large amount of money is by saving just small amounts over a long period of time.

If you get an allowance, don’t spend it all at once. Save at least part of it each time you get paid. It really adds up!

Before buying something, make sure you know if it’s something you want or something you really need. It matters!

Smart Saving

$75.35

Seventy-�ve dollars and thirty-�ve cents

Can you divide this grid into four parts in which the numbers in each part add up to the same amount?

NUMBER GRID PUZZLER Talk with your parents about some of the ways they made money when they were kids.

Family Talk

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PADTWARDHTI

WDIUONZP

TRLNNYEIKSCDYFGYOML

NTOLLPFSVENHOBILLWJ

HMTLODKCLRSIALMJCRB

OILSDWNOJESLORLBRIJ

GVICMEAUSTAXFCGADIF

FTJHLNBNFNVSTI

DERCV

ZOQZZOETCIITBCBSHWE

OOCVDPIEYENOMI

WEYHL

PBNYXFBGJBGCTICEDRA

NDWEOTHDAFSKOKEFSYS

EPJRLKOUUSFVUMHPWPY

YVPDXGZBJEEKI

QEI

NZJ

I found lots of words that relate to money and savings. Can you

�nd them in this puzzle?

Turn each number into words and the words into numbers.

Can you �nd the missing numbers?

Can you do this?Seventy-�ve thousand, eight

hundred and forty-two dollars

Eight thousand, four hundred and seventeen dollars

$8,451.00

$4,518.00

ALLOWANCEBALANCEBANKDEPOSITCHARGECREDITDEBITLOANBUDGETSAVINGSDEBTEXPENSESDOLLARDISCOUNTINCOMEINTERESTMONEYFUNDPROFIT

TAXSTOCKWITHDRAWFEESCHECKCOINS

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13

KEEP IT UP: Close to the Goal

Fritter got a job watching his neighbour’s new puppy. It’s not always easy watching a playful pup, but Fritter earns $2.00 per hour.

The clocks show Fritter’s starting and stopping time from

Thursday afternoon.

How long did he work?

hour(s) and minutes

How much did he earn?

$

The clocks show Fritter’s starting and stopping time from

Monday afternoon.

How long did he work?

hour(s) and minutes

How much did he earn?

$

Hi, Fritter! Who’s

the pup?

This is Reggie, my neighbour’s puppy.

They’re paying me $2.00 an hour to watch him

this afternoon.

Here’s an idea: If I treat my neighbours to a pair of movie tickets, they’ll be out

for two more hours and I’ll earn $4.00!

What!?! That’s

NOT how it works, Fritter!

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Fritter’s savings to date: $86Whoops! This pup thinks Fritter’s money is a chew toy. Help Fritter catch him before his money gets munched!

Charlotte and Olivia each brought $2.00 to their school’s spring carnival for snacks. Each of them bought one snack. Count their change to see who bought which snack.

Olivia’s change:

Olivia bought:

Charlotte’s change:

Charlotte bought:

Who bought what?Talk with your parents

about some of the jobs they had when they were young.

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15

IN BUSINESS: Refreshing Change

Can you help Fritter count out the correct change for his customers?

This refreshment stand will help us earn more money for our trip to

Bow WOW World, Thrifty!

It’s warm today, so we

should sell a lot of lemonade!

You’re right! I bought four

glasses already!

Tonya bought a glass of lemonade plus two cookies. She paid with two dollars. Circle the coins Fritter should give her in change in RED.

Lien-hua bought a bag of peanuts, a glass of lemonade and a banana. She paid with �ve dollars. Circle the coins Fritter should give her in change in GREEN.

1. 2. What could you buy from Fritter’s Refreshment Stand with this exact

amount?

Fritter, you’re our best

and worst customer at

the same time!

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Add up the money in each of these pockets. Then label each pocket with the name that matches each amount.

Pocket Change

EmmaSethSophia

$1.35:45¢:90¢:

JaydenBellaOlivia

20¢:$1.00:

80¢:

AbigailLoganLily

$1.30:35¢:85¢:

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Fritter set a goal. He worked hard. He saved and saved. And at last, Fritter has reached his goal of

saving $100 for a fun-�lled day at Bow WOW World Dog Amusement Park!

Fritter has exactly $100 to spend at Bow WOW World. Will he ride all the rides? Will he choose snacks or souvenirs?

Use the park map at right and the items below to come up with a spending plan (also called a budget).

DOUBLE CHECK: Have a parent look at your spending plan. Would they have made di�erent choices? Is there anything you forgot? Talk it over!

(But he needs YOUR help!)

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18

H

C

B

EF

D

K

G

N

J

ML

I

A

Each of these bumper cars has an exact duplicate – except one.

Can you �nd it?

Step right up! Work

with a friend or family

member to calculate

the fewest numbers

of balloons to pop to

reach 100.

5 15 10 5 5 10 15

5 10 5 5 5 10 5 10

10 5 10 5 5 5 5

POPQUIZ

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Answers

That was worth all the work, Thrifty!

It sure was, Fritter!

Page 4Wants, Both, Both, Both, Wants

Page 9Dog food regular price: $2.50With coupon you pay: $2.25

Toothpaste regular price: $4.25With coupon you pay: $3.50

Ketchup regular price: $4.75With coupon you pay: $4.00

Popcorn regular price: $5.75With coupon you pay: $4.25

If this was a real shopping trip and you used all of the coupons, how much would you have spent? $14.00

How much would you have saved? $3.00

Page 12

PADTWARDHTI

WDIUONZP

TRLNNYEIKSCDYFGYOML

NTOLLPFSVENHOBILLWJ

HMTLODKCLRSIALMJCRB

OILSDWNOJESLORLBRIJ

GVICMEAUSTAXFCGADIF

FTJHLNBNFNVSTI

DERCV

ZOQZZOETCIITBCBSHWE

OOCVDPIEYENOMI

WEYHL

PBNYXFBGJBGCTICEDRA

NDWEOTHDAFSKOKEFSYS

EPJRLKOUUSFVUMHPWPY

YVPDXGZBJEEKI

QEINZJ

Page 13

Page 14Monday AfternoonHow long did he work?2 hour(s) and 0 minutesHow much did he earn?$4.00

Thursday AfternoonHow long did he work?4 hour(s) and 30 minutesHow much did he earn?$9.00

Page 15Olivia bought: Corn DogCharlotte bought: Nachos

5 15 10 5 5 10 15

5 10 5 5 5 10 5 10

10 5 10 5 5 5 5

Page 20Ba�ing Bumper Cars: I

DATENOV. 8NOV. 9NOV. 13NOV. 30DEC. 1

BALANCE22.5025.7023.5023.6233.62

Page 11

Page 5

Page 16

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Fritter wants to visit Bow WOW World, the amazing amusement park just for dogs. But a day at this theme park is pretty expensive. He’ll need a

good plan – and YOUR help – to reach his goal!

How Learning and Earning Can Make Dreams Come True!start earning money doing little jobs, saving...

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