My Early Cents™For: Kindergarten students (must be at least 4 years old) Learn more >
Children as young as 3 years old already understand the purchasing power of money. We teach your young child the two sides of the money equation so she/he can gains a balanced knowledge about money! Through fun games and activities, your child works with the different denominations of coins – identifying, counting, sorting, and beginning to learn the value of each coin. KMCents’ unique Walter’s FUNtastic Bank introduces the basic concepts of a bank and your child learns that there is a limit to the money he/she can withdrawal from his/her own bank account! In addition to your child receiving a KMCents Certificate upon completion of this program, special memos are sent to you, the Chief Financial Parent, with tips on how to enhance the money lessons at home.
We build on the lessons from Level 1 by introducing the denomination of bills ($5, $10, $20) through fun games and activities. Your child will have fun learning the value of each bill before he/she moves on to learning and understanding the order of the denominations from $0.01 to $20.00. KMCents’ unique Walter’s FUNtastic Bank remains open for students to practice basic bank transactions and to manage their own pretend bank accounts. Since children as young as 3 years old already understand the purchasing power of money (i.e. how to spend it), we teach your young child the flip side of the money equation (i.e. how to earn it), so she/he can build knowledge about money that is balanced! In addition to your child receiving a KMCents Certificate upon completion of this level, special memos are sent to you, the Chief Financial Parent, with tips on how to enhance the money lessons at home.
Making Cents™For: Grade 1 - 2 students Learn more >
This program teaches your child the link between money and work, saving and spending, sharing and giving back. In Level 1, your child will “earn” income through fun career role-playing activities. Then, the students learn how to deposit, save, and earn interest in their own pretend bank account at our unique Walter’s FUNtastic Bank. Money math is based on 10’s and 100’s so your child can relate values - $1, $10, $100 - to the real world. Just as importantly, your child learn about giving back through volunteerism. In addition to your child receiving a KMCents certificate upon completion of this level, special memos are sent to you, the Chief Financial Parent, with tips on how to enhance the money lessons at home.
Level 2 continues to build the money lessons by relating $5, $50, $500 to the real world. Your child will learn about life's basic needs—and what they cost. The students get to play at doing a job, earning money from it, and watching their account at Walter’s FUNtastic Bank grow and earn interest. Then, they learn to make withdrawals and experience buying needs such as grocery shopping. In addition to your child receiving a KMCents Certificate upon completion of this program, special memos are sent to you, the Chief Financial Parent, with tips on how to enhance the money lessons at home.
Common Cents™For: Grade 3 - 4 students Learn more >
Pay Yourself First is the common sense lesson. Through fun games and activities, your kids learn the importance of both saving for their future and giving back to the community. Walter's FUNtastic Bank continues to encourage your kids to form good saving habits. Fun pretend shopping experiences help your kids practice money math - adding prices, making change, and rounding to the nearest nickel.
FUNancial Freedom Game™For: Grades 4 - 6 students Learn more >
The best way to teach children good money habits is by giving them their own money to experience. Through active participation in a fun, competitive, and simplified financial game, your children will experience “real-life” and relevant money situations. They will “earn” their own income, budget between needs and wants, pay income taxes, give back to the community, build assets, and be introduced to the importance and advantages of Paying Myself First. Prizes are given to students who achieve financial freedom in this game! In addition to your child receiving a KMCents Certificate upon completion of this program, special memos are sent to you, the Chief Financial Parent, with tips on how to enhance the money lessons at home. Our students rate this financial game off the FUN chart!!Please click on Fees & Schedule
Growing Cents™For: Grade 5 - 6 students Learn more >
As your kids and their money knowledge continue to grow with KMCents, they now get a sneak preview of the real world. Through fun role-playing games, your kids feel the reality of gross vs. net income. Banks become more than just a place to save and earn simple interest. With the new found knowledge that governments and banks want to be paid first, Level 1 activities reinforce the importance of Pay Yourself First to your kids.
Level 2 continues to get real for your kids. The main focus is smart consumerism with fun games and activities around price vs. value. Your kids hone their budgeting skill through fun case studies and projects. Money math advances to compound interest, unit prices, sales taxes, discounts and coupons.
Investment Cents™For: Grade 7 - 9 students Learn more >
This program was developed due to requests from our students who eagerly wants to learn about investments!
Would you like your child to achieve financial freedom as adults? Time is on their side if they start to invest and build their assets early. In this program, your child will set financial goals and learn about different types of investments, diversification and risk tolerance. They will experience the “journey” to their financial freedom, in class, by playing a fun Investment Game. This game allows your child to experience the volatility from different investments and different levels of risk so that he/she can apply this knowledge to build a financially success future in real life.
Entrepreneurial Cents™For: Grade 9 - 11 students Learn more >
Broaden your kids’ knowledge of the working world! Early awareness of entrepreneurship helps your kids open their minds to various career options and opportunities. In this program, your kids start up their own pretend company to learn the major aspects of entrepreneurship including funding, marketing, revenue vs. expenses, etc. Case studies and a guest entrepreneur speaker complete the program.Under Development
My Own Cents™For: Grade 12 – university/college students Learn more >
Time flies - is your little one now ready to leave the nest? This program prepares your teenagers/young adults for financially being on their own. Topics such as various insurance needs, good vs. bad debts, credit card late fees, employment benefits, etc. complete the puzzle of successfully managing their own personal finance.Under Development
Me, a Chief Financial Parent?™ – Part 1One hour class Learn more >
Your children pick up your money habits and attitudes earlier than you think, so why not give them positive behaviours to mimic? Learn how to help your kids build successful lifelong money habits - and become the best Chief Financial Parent to your children.Please click on Fees & Schedule
Me, a Chief Financial Parent?™ – Part 2One hour class Learn more >
More great ideas you can use to become a great Chief Financial Parent for your children. In this continuation of Me, a Chief Financial Parent?-Part 1 you'll learn to teach your kids how to set priorities for saving and spending, how time can be your child's best financial friend, and what the key money principle, "Pay Myself First," really means.Please click on Fees & Schedule
AllowanceMatters™ Workshop1.5 hour class Learn more >
Are you ready to give your children an allowance? Not sure where to start? In this workshop you'll learn the 10-step AllowanceMatters system and how important a regular allowance is in preparing your children for financial success. The math is easy, and materials are provided in a convenient binder and kit so you can put it in place quickly at home.Please click on Fees & Schedule
Not Too Late™One hour class Learn more >
Concerned that your money sense isn't what it should be? Many parents didn't get a good financial grounding when they were growing up. This workshop gets you up to speed on how to handle your own finances - so you can pass on these good habits to your children.Please click on Fees & Schedule