KIDZ ECONOMY PERSONAL ECONOMY SERIES · COURSE 1 OF 3
B.U.D.G.E.T.Studio
Budget · Understand · Decide · Goals · Emergencies · Track
Make your money last the whole month — and still have a life.
A gamified money-life simulation for students aged 8–11 — run as a school CCA, in-school enrichment, or a holiday camp — where they manage real income, dodge surprise costs, and learn to make a budget that actually holds.
8–10
WEEKS
50
MIN / LESSON
8–11
AGE GROUP
🎒
Theo
Your guide through the Personal Economy Series—a hopeful 22-year-old learning smart money habits.
The only program where students run a whole money life — covering their needs, dodging surprise costs, and hitting a savings goal without going broke or joyless — all before they turn 12.
THE PROBLEM
Kids get money long before anyone teaches them how to make it last.
Allowance, birthday money, a first part-time job around the corner — money arrives in a child's life early. What never arrives is the lesson on how to manage it: how to cover what matters, resist what doesn't, and keep a little aside for when life surprises you. So they learn it the hard way, as adults, when the stakes are real.
B.U.D.G.E.T. teaches it the safe way — by living it. Across the program, students run their own money life, feel what overspending costs, and discover that a good budget isn't about saying no to everything. It's about making your money go where you actually want it to.
Payday → Monday
the cycle B.U.D.G.E.T. breaks — money that's gone before the week even starts.
Needs → Wants → Save
the simple order that makes money last — and the habit students build by doing.
Age 8–11
when money habits begin to form — the window to build the right ones.
HOW IT WORKS
A live money-life simulation that runs the whole program.
🧬
Run Your Money Life
Each student manages their own money life on a personal tracker — money in, money out, week after week. The choices stack up and follow them.
⚖️
Income & Choices
Every lesson brings income and real spending choices — needs, wants, and the trade-offs between them. Decisions have visible consequences.
📡
Surprise Events
A Breaking News life event lands each lesson — the unexpected cost, the lucky break. Who kept a buffer? Who didn't?
📊
Two Live Meters
Savings (KC) and a Life Score climb together. Overspend and Life crashes; hoard everything and it flatlines. Balance wins.
WHY IT MATTERS
Budgeting isn't about saying no. It's about choosing on purpose.
🧠
Experience Over Instruction
Students don't hear about budgeting — they feel a surprise cost wipe out a careless week, and remember it.
🎭
A Guide They Root For
Theo's "spend it all by Monday" habit gives students someone to help — and a mirror for their own choices.
💡
Habits That Stick
The order — needs, then wants, then save, with a buffer for surprises — becomes second nature because they've lived it.
LEARNING OBJECTIVES
What B.U.D.G.E.T. sets out to teach.
01
Make a budget that lasts — match what comes in against what goes out.
02
Tell needs from wants, and choose spending on purpose.
03
Keep a buffer — and know why surprises make it essential.
04
Set a savings goal and reach it without giving up everything fun.
PROGRAM JOURNEY
A serialized money life across up to 10 lessons — 7 core, 2 supplementary, and a finale.
1
Set Up Your Money Life
Students take their first income, see where money disappears, and build their first real budget — needs, wants, savings.
2
Surprises & Temptations
Surprise costs, spending traps and tempting wants test the plan. The students who budgeted with a buffer pull ahead.
3
Theo's Big Choice
Savings and Life Score are totalled, the balanced budgeter is crowned, and Theo uses his budget to make a real life decision.
The simulation runs the whole program — students come back each week to see how their money life is holding up.
LEARNING OUTCOMES
What your student walks away able to do.
Budget their own money
Your student will split income into needs, wants and savings without being told to — because they've done it under real pressure.
Tell needs from wants
They'll pause before a purchase and ask whether it's a need or a want — the single habit that makes money last.
Keep a buffer
Having been burned by a surprise cost in the sim, they'll understand why a cushion isn't optional.
Save toward a goal
They'll have set a goal and reached it by budgeting — proof that delayed gratification pays off.
Spend with awareness
They'll recognise impulse and marketing traps and spend on what they actually value.
Explain their choices
They can say why they spent, saved or skipped — the start of real money confidence.
DURATION & SCHEDULE
Designed to flex into a CCA, an enrichment block, or a holiday camp.
📅
8–10 weeks
per program
⏱
40–60 min
per session
📆
Flexible
weekly CCA, enrichment or camp
🗓
T1–T3
terms available
Runs as a weekly after-school CCA, an in-school enrichment block, or a condensed holiday camp. The core lessons plus the Finale make the complete experience; longer runs add supplementary lessons. Sessions flex from 40–60 minutes to fit your timetable.
PRICING & BOOKING
Flexible pricing — tailored to how you'll run it.
Cost depends on your format, cohort size and term, so we keep it simple: tell us how you'd like to run it and we'll send a tailored quote. Whether you're a teacher, a CCA coordinator, or booking for a whole school, we'll find the right fit.
🧑🏫
Teachers
Want to run it with your class? Get in touch and we'll size it for your group.
🗂️
A CCA coordinator
Planning your enrichment or CCA line-up? We'll quote across your cohorts and terms.
🏫
A whole school
Rolling it out across year groups or sites? Ask about school and series pricing.
WHAT SCHOOLS ARE SAYING
Real results from real classrooms.
"A surprise 'car repair' wiped out half the class in week four — and suddenly every kid understood why you keep a buffer. Unforgettable."
CCA Coordinator
International School, Singapore · sample
"My students started asking 'is this a need or a want?' about everything. Helping Theo not blow his paycheck made it click."
Year 5 Teacher
International School, Malaysia · sample
"My daughter made a budget for her own pocket money — unprompted. She's ten. This program is doing real work."
Parent
International School, Singapore · sample
FREQUENTLY ASKED QUESTIONS
Everything you need to know before booking.
ANNUAL FLAGSHIP EVENT · SINGAPORE
The
Financial Games
Once a year, Kidz Economy partner schools come together for a two-day financial-literacy competition. Students who have completed a Kidz Economy program compete across seven medal events — applying everything they've learned in a format that feels like a championship, not a classroom.
Every event awards individual medals to the top three teams. A running medal tally determines the overall school champion — who takes home the Financial Games Travelling Trophy.
SAT + SUN
WEEKS
3 HRS
PER DAY
7
MEDAL EVENTS
4
STUDENTS PER TEAM
🥇
5 pts
Gold
🥈
3 pts
Silver
🥉
1 pt
Bronze
SGD 100 / student
Partner school entry