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Allowance Magic: Turn Your Kids Into Money Wizards by David McCurrach




The purpose of Allowance Magic is two-fold. The first objective is awareness - to help parents become aware of the unique opportunity they have to prepare their kids for success in a world fraught with financial challenges and hardships. Without parental guidence, kids are at the mercy of aggressive advertisers who have a whole different agenda when it comes to establishing their spending, saving and sharing habits.

The second objective is empowerment - to equip parents with the tools they need to help their kids develop sound financial habits. These tools are designed to be simple to learn and easy to use. They respect the many demands parents have on their time and energy. Their effectiveness has been demonstrated by thousands of parents and kids that have used them with great success over the last several years.


The process used in Allowance Magic involves two steps. The first is education. The entire program is presented to parents in the first three information-packed pages of the book. These pages describe the process in detail, highlight the benefits, and allay the myths. The Challenge pages then instruct kids on techniques they can use to hone their money management skills.

The second step is action. Knowing is not enough. Without action, there is no program - there is no benefit to the education. Action is required to complete the process - to achieve the goals. Allowance Magic takes parents through a brief step-by-step process to complete a one-page worksheet that specifies all the aspects of their program. Kids then complete the workbook section. That process helps kids get in the habits of planning their expenditures as they progress towards saving and sharing goals.

The completed book becomes your kids working financial plan. It contains all the structure and specifics they need to begin to develop effective financial habits.

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© Copyright 2004 by David McCurrach. All rights reserved. Revised 4/18/04.