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Today’s kids aren’t just spending money at the corner store—they’re navigating in-app purchases, digital storefronts, and online scams. For parents, the challenge is teaching financial responsibility in a world where money often feels invisible and instant.
Click, Save, Spend is a clear, practical guide that helps families introduce healthy money habits in the digital age. You’ll learn how to set up micro-allowances that build budgeting skills, teach kids to spot scams before they happen, and guide them through safe spending in online games and stores.
With real-world examples, conversation scripts, and step-by-step frameworks, this book shows you how to turn online money moments into lessons that stick. Whether your child is just starting with pocket money or managing a teen budget, you’ll have the tools to give them confidence, caution, and independence.
Digital money doesn’t have to mean digital mistakes. With the right guidance, your kids can grow into smart, safe, and savvy spenders.
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Veröffentlichungsjahr: 2025
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Aaron Douglas
Click, Save, Spend
Copyright © 2025 by Aaron Douglas
All rights reserved. No part of this publication may be reproduced, stored or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise without written permission from the publisher. It is illegal to copy this book, post it to a website, or distribute it by any other means without permission.
This novel is entirely a work of fiction. The names, characters and incidents portrayed in it are the work of the author's imagination. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental.
Aaron Douglas asserts the moral right to be identified as the author of this work.
Aaron Douglas has no responsibility for the persistence or accuracy of URLs for external or third-party Internet Websites referred to in this publication and does not guarantee that any content on such Websites is, or will remain, accurate or appropriate.
Designations used by companies to distinguish their products are often claimed as trademarks. All brand names and product names used in this book and on its cover are trade names, service marks, trademarks and registered trademarks of their respective owners. The publishers and the book are not associated with any product or vendor mentioned in this book. None of the companies referenced within the book have endorsed the book.
First edition
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Contents
1. Chapter 1
2. Chapter 1: Understanding the Digital Money Landscape
3. Chapter 2: Setting Up Your Family's Micro-Allowance System
4. Chapter 3: Teaching Kids to Budget in an Online World
5. Chapter 4: The Importance of Financial Literacy Early On
6. Chapter 5: How to Spot Online Scams
7. Chapter 6: Safe Spending Practices in Digital Stores
8. Chapter 7: Balancing Screen Time and Spending Time
9. Chapter 8: Teaching Kids About In-App Purchases
10. Chapter 9: Guiding Teens on Managing a Budget
11. Chapter 10: Encouraging Saving with Digital Tools
12. Chapter 11: The Role of Parental Guidance in Financial Education
13. Chapter 12: The Future of Money Management Skills
14. Chapter 1: Understanding the Digital Money Landscape
15. Chapter 2: Setting Up Your Family's Micro-Allowance System
16. Chapter 3: Teaching Kids to Budget in an Online World
17. Chapter 4: The Importance of Financial Literacy Early On
18. Chapter 5: How to Spot Online Scams
19. Chapter 6: Safe Spending Practices in Digital Stores
20. Chapter 7: Balancing Screen Time and Spending Time
21. Chapter 8: Teaching Kids About In-App Purchases
22. Chapter 9: Guiding Teens on Managing a Budget
23. Chapter 10: Encouraging Saving with Digital Tools
24. Chapter 11: The Role of Parental Guidance in Financial Education
25. Chapter 12: The Future of Money Management Skills
1
Chapter 1
Table of Contents
2
Chapter 1: Understanding the Digital Money Landscape
The Shift to Digital Money
Types of Digital Money
Addressing the Challenges of Digital Spending
The Importance of Financial Literacy
3
Chapter 2: Setting Up Your Family's Micro-Allowance System
Understanding Micro-Allowances
Choosing the Right Amount
Creating a Budgeting Framework
Setting Up Spending and Saving Goals
Involving the Entire Family
Teaching Digital Money Safety
4
Chapter 3: Teaching Kids to Budget in an Online World
Understanding Budgeting Basics
Creating a Budget Together
Tracking Spending and Adjusting Budgets
Setting Micro-Allowances for Targeted Spending
5
Chapter 4: The Importance of Financial Literacy Early On
Understanding Financial Literacy
The Role of Parents in Financial Education
Developing Budgeting Skills Early
Teaching the Value of Saving
6
Chapter 5: How to Spot Online Scams
Understanding Online Scams
Key Warning Signs of Scams
Engaging Conversations About Scams
Resources for Scam Education
7
Chapter 6: Safe Spending Practices in Digital Stores
Understanding Digital Storefronts
Recognizing Secure Websites
The Importance of Terms of Service
Budgeting for Online Purchases
When to Consult Parents
Protecting Against Scams
8
Chapter 7: Balancing Screen Time and Spending Time
Understanding Screen Time and Spending
Setting Healthy Screen Time Limits
Teaching Value Exchange: Time vs. Money
Recognizing Impulse Spending Triggers
Promoting Smart Online Spending Habits
Evaluating Technology’s Role in Spending
9
Chapter 8: Teaching Kids About In-App Purchases
Understanding In-App Purchases
Setting Spending Limits
Encouraging Critical Thinking
Creating a Digital Allowance System
10
Chapter 9: Guiding Teens on Managing a Budget
Understanding Budget Basics
Setting Financial Goals
Navigating Digital Spending
Tools for Budget Management
Encouraging Responsible Choices
