A Smart Way To Start

When you grow up, what will you be?
Any or all of the things that you dream!
You could go up to space or design a new car,
you could be CEO, you could travel afar.
For all your goals, there are two things you’ll need:
some money to start and a smart plan indeed.

Earning your pennies can be such a joy!
But… why should a girl earn less than a boy?

Financial confidence for kids – Book 1

By Mara Catherine Harvey
32 pages, watercolour illustrations by Mariajo Ilustrajo
ISBN 978-3-9525007-0-5

A Smart Way To Start teaches children about earning money and equal pay. For all the children’s life goals, there are two things they will need: some money to start and a smart plan indeed. Children learn how money needs to be earned chore by chore, and how there is no reason whatsoever for a girl to be paid less than a boy for the exact same chore, done equally well.

A SMART WAY TO SAVE

You earned your first pennies by doing your chores.
You saved lots of pennies, so now you have more.
But inside your piggy bank, money can’t grow.
It lies there quite still, with nowhere to go.
What if your pennies could grow day by day,
rather than lying there, all locked away?

Is there a smart way to save and be clever,
to make sure your pennies keep growing forever?

Financial confidence for kids – Book 2

By Mara Catherine Harvey
32 pages, watercolour illustrations by Mariajo Ilustrajo

A Smart Way To Save is a rhymed story that encourages children to save their pennies and to enjoy math, using addition and multiplication to calculate how much money is in their piggy bank. It goes on to explain how money in a piggy bank cannot grow because it has no where to go. In order to grow, the pennies need to be put on a savings account. The book explains in very simple terms that interest is what makes money grow over years.

A SMART WAY TO SPEND

You earned lots of pennies and saved quite a few.
You have a small wish and you’ll make it come true.
You’d like to buy one thing you saw in a store.
But once you are there… you want so much more!
If you spend wisely, what else might you get? 
And what if you’re planning to buy a new pet?

What will you buy and what is it for?
Should you spend all your pennies, or wait and save more? 

Financial confidence for kids – Book 3

By Mara Catherine Harvey
32 pages, watercolour illustrations by Mariajo Ilustrajo

A Smart Way to Spend is a  rhymed story that explains to children the ponder and plan wisely every spending choice.  It is easy to get carried away and spend all one’s pocket money on things that might not be necessary or that might be poor quality and end up in the bin. Often it is wiser to wait, save a bit more, and purchase something of higher quality which will last.

At the end of the story, discover the link to a SECRET CHAPTER on digital money…

Secret Chapter 

The same way digital money
cannot be touched, neither
can this story. It is available
only as ebook online. 

A SMART WAY TO SPEND                                                              Digital Money

You read about spending and how to be smart,
You learnt about planning, a great way to start.
Now what if the money you’re spending this time
is digital only – it’s only online?
Money online can’t be touched but it’s there,
so you must be wise and take even more care!

What must you know? Let’s go and see
how different digital money can be… 

Financial confidence for kids – ending of Book 3

By Mara Catherine Harvey
10 pages, ebook, watercolour illustrations by Mariajo Ilustrajo

A Smart Way to Spend Digital Money is a secret chapter that concludes book 3, A Smart Way To Spend. This rhymed story that explains to children that you need to be very careful when spending digital money because with a swipe or a tap it is spent and it’s gone! It also explains in a simple way the notion of credit card debt and why it is better to earn and then spend, rather than end up with debt. 

A smart choice to make

 

When spending your pennies, you want to know where
your money ends up, and which companies care:
Do they care about forests and oceans and seas?
Do they care about saving the birds and the bees?
Whether you want to eat healthier food,
whether you want cleaner energy, too…

Each penny matters, and you have a choice!
By spending your money, you’re using your voice.

Financial confidence for kids – Book 4

By Mara Catherine Harvey
32 pages, watercolour illustrations by Mariajo Ilustrajo

A Smart Choice To Make  is a rhymed story that teaches children about sustainability and impact. By spending the pennies they earned and saved, children are giving money to firms/brands who make the things they buy. Some firms do better than others in caring for the environment when they produce things. If children had their say, would they give money to firms that don’t care or rather to firms that do care for the planet?  This book teaches children that they do have a voice, because they can make choices that matter with their money.