Hey there, and welcome to Mini Millionaires. 

The holidays are upon us, kids are done with school, routines are a little looser than usual, and parents everywhere are wrapping up the year so they can squeeze in some well-earned rest. 

We’re doing the same here at Mini Millionaires, but we’ve lined up a few short, super practical editions to help you make the most of holiday time with your mini millionaires. 

Decembers are usually filled with treats, outings and excitement, so it’s easy for spending to run away from us. That's why this week, we’re talking about wise holiday spending habits.

Smart spending is one of the most valuable money skills your child can learn. 

Kids often know how to earn money (from chores, and even starting up their own mini businesses), and we know how important it is to save, but spending wisely is where real financial maturity starts. 

It’s the place where financial values, spending priorities and self-control show up in the real world. 

So helping our mini millionaires to pause, reflect and choose what they want to spend their money on these holidays with care, actually goes a long way in teaching them to move beyond impulse and towards thoughtful decision-making. 

So whether they’re waiting 24 hours before buying that awesome new video game, comparing options between a new pair of sneakers, or even deciding what will still feel worth it next week, these small spending habits build the lifelong ability to be smart spenders. 

If you’d like a little more, we unpack a mindset to cultivate, a habit to form, and a tip to try in our How to Teach Kids Smart Spending Habits money guide.

The holidays are jam-packed with more treats, outings and “Can I get this?” moments than any other time of year (as it should be tbh). 

So our Spend Stars chart will actually help your mini millionaire slow down and think about what spending is really worth it. 

After each holiday purchase, whether it’s an ice cream at the beach, a toy from a market stall, a takeaway meal, even a small souvenir, let them write it down on our Spend Stars chart, note the cost and give it a rating it from 1 (“I wish I didn’t buy it”) to 5 (“I’ll treasure this forever”). 

It turns festive spending into reflection, not regret.

The holidays are the perfect time to slow down, gather around the table and pull out a game that gets everyone laughing, thinking and maybe even getting a little competitive. 

Enter FinMaster, the ultimate family game-night adventure. 

It’s fast, fun and full of clever strategy as you buy assets, dodge market surprises and try to outsmart your opponents on the way to becoming the wealthiest one in the room. Kids learn real money skills, adults get hooked and everyone walks away a little wiser. 

Make FinMaster part of your holiday traditions and turn downtime into a wealth-building showdown.

What’s been your mini millionaire’s favourite lesson they’ve learnt from our newsletter so far?

Or is there something you’re navigating on their money smart journey right now you’d like us to talk about in an upcoming feature?

Hit reply and tell us. We’d love to know.

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