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MoneyTime Review – The Best Financial Curriculum for Middle Schoolers

MoneyTime Review and why it is the BEST financial curriculum for middle schoolers
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I don’t say this lightly, but teaching kids about money is one of the most important lessons we can teach our children. Before I became a homeschool mom I was a Finance Director at a large global engineering company, so money and budgeting is something we have always talked about with Freddie. However, life gets in the way and I honestly felt like I have done him a disservice by not teaching him more. I have not left it too late though, he is only 11! MoneyTime is the answer. (No I have not been paid to say that, I have written this review as it is a financial curriculum we use, and is AMAZING!)

According to the National Financial Educators Council – Financial Illiteracy Costs the Average American $1,634 every year! That is a staggering $415 billion!

They continued to say:

Each year, Americans graduate high schools without knowledge of the most basic and crucial life skills: how to keep a budget, file taxes, open and maintain a bank account, and save for retirement.


This is not just an American problem either, this is Worldwide. Kids are not sufficiently taught about money in schools and it is often neglected to be taught in homeschools too.

MoneyTime - The best financial curriculum for homeschoolers. Teaching kids about money is so important and yet not studied in school, I highly recommend MoneyTime #financialliteracy #money

**Disclosure – there are affiliate links included in this post**

Freddie wants to be a stockbroker when he is older, (haha! someone told him they earn a lot of money!!) so before we started with MoneyTime he had taken an amazing Outschool class with Lisa Kornberg (stock market investment game). Which we highly recommend too!

Anyway back to MoneyTime.

MoneyTime Kids Financial Curriculum

MoneyTime Kids consists of 30 highly interactive personal finance lessons with 13 parent-child lessons specifically designed for you to do with your child. There is a parent study guide full of guidance and practical activities. Automatically marked quizzes and awards, leader board, certificates. The modules are as follows:

Topic 1 Earning, Savings, and Interest

  • Earning
  • Saving
  • Interest

Topic 2 Employment

  • Career Choice
  • Resume
  • Job Application
  • Pay and Tax

Topic 3 Managing Your Money

  • Smart Spending
  • Budgets
  • Banking
  • Paying

Topic 4 Borrowing Money

  • Borrowing
  • Loans
  • Loan Repayments

Topic 5 Property

  • Rent or Buy
  • Mortgages
  • Buying Property
  • Rental Property

Topic 6 Investing

  • Certificates of Deposit
  • Property Investments
  • Stocks
  • Collectibles

Topic 7 Business

  • Business Basics
  • Marketing
  • Promotion, selling & price
  • Profit & loss

Topic 8 Protecting Your Money

  • Warranties and cash
  • Insurance
  • Online Security
  • Net Wealth

MoneyTime’s Top Ten Money Tips is a summary module at the very end of the financial curriculum.

Each course only takes between 20 – 30 minutes, and at the end of each module, there is a multiple-choice quiz.

Money Games

What I especially love about MoneyTime is that it is a fun money game. It’s not a boring financial curriculum (which all of the others I have come across are!).

Moneytime review dashboard

The dashboard is the first screen where you will see your own customized avatar. When you start earning (completing the courses) you can buy clothes and accessories for it.

When you first start with MoneyTime your first job is a gardener earning $600 per annum, but the more money you earn you can change your career. So the top level is the astronaut earning $17,000 per annum.

You can pay for college credits, purchase property, save money and so much more. The more you earn, the more you can spend, invest, donate to charity or save. It’s a fantastic “real world” experience that the kids will enjoy having fun with while learning all about money and in fact life. I was very impressed to see an employment module talking not just about taxes, but about how to apply for a job.

Moneytime review topic 2 - employment

When you have completed a topic you will receive a certificate. These are always good for homeschool portfolios!

I have to share this with you, as it made me laugh a lot. When Freddie got to the resume module, he completed it on his own and the first I knew of it was when I was emailed it! This is what I received:

MoneyTime Resume example #darthvader #resume

Honestly, this boy cracks me up! I would just like to say he is only 11!! But do you know what, he actually enjoyed writing it, and his cover letter was equally as funny! What I love, is these documents the children create with MoneyTime are sent directly to your email address so you get to see what they have written without asking! If your kids are big Star Wars fans too, check out our homeschool Star Wars activities for inspiration.

Moneytime Spending Question

After you have completed the questions at the beginning of each module the lessons begin. Freddie apparently wants to buy a Star Wars stormtrooper helmet for $200! Let’s hope this module has helped him wait for the sales or to actually start doing his chores!

Moneytime Financial Literacy questions on spending

I love the fact MoneyTime talks about spending and saving money if you purchase the same thing in the cheapest store. Freddie already knows about this as even if we are in a store I will do a quick internet search to see if I can get it elsewhere cheaper! (I like saving money!!)

Moneytime true or false question

While going through the finance curriculum you will get quick check questions just to check that they have understood the content. When the lesson has been completed they will do a final quiz to be able to move onto the next module. They have to get 70% to move on, but they can redo the quiz as many times as they like.

Is MoneyTime Available in the UK?

Unfortunately not at this time. However, if you are in the UK you have two options. Continue with the American version (as we are using) but explain to your children the differences, or try the New Zealand version.

The New Zealand version uses more English terminology and if you are looking for a more similar approach to finances this will be the best option. I am sure they will bring it to the UK soon though, but don’t wait. Teaching a financial curriculum from any country will be better than not teaching it.

MoneyTime Review

Teaching financial literacy the fun way with MoneyTime kids. A fantastic finance curriculum aimed at kids in middle grade #money #homeschool

We started with MoneyTime a couple of weeks ago, and because of my background, I was very confident I wouldn’t learn anything. Hmm, well I am embarrassed to say I did! Now I am going to put that down to the fact things are slightly different in America to the UK!! But if I am completely honest, I actually had forgotten, and things have changed since I was at university and work!!

It’s funny too! No honestly, some of the multiple-choice answers are hilarious! They have definitely been written with kids in mind.

I think this is so important when trying to teach kids, we always try to have fun in our homeschool (as you can see above with his resume!), and so much of the core curriculum is, well, not funny! And nor it should be of course, however, when trying to engage kids with such an important subject such as money management, if you can get them laughing, or at the least smiling, they will definitely want to do it and will retain the information.

We highly recommend MoneyTime it is the BEST financial curriculum for kids aged 10 -14. To be honest, I think it’s great for older kids too!

Try it for yourself now, your only regret will be not starting this sooner.

Cost of MoneyTime

US Homeschool Annual Membership is only $66 (with the 25% off that is automatically applied if you click on my link). They are so confident that you will love it, and in fact so am I, that they will give you a refund within 60 days if you are not happy. This is only $5.50 per month so it is a much cheaper option than the monthly plan.

US Homeschool Monthly Subscription is $12.95 per month (cancel any time you want)

New Zealand Homeschool Annual Membership or Monthly Subscription ( I recommend these if you are also from the UK)

If you don’t feel Money Time is for you, check out our recent post on financial literacy for kids, there are other options.

Last Updated on 29 September 2021 by homeschoolof1

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