Motherhood has completely reshaped the way I think about money. 

Before I had my girls, money was about strategy, growth, and creating freedom. And while that’s still true, becoming a mum added a whole new layer – it became about legacy. About what I pass on. About the financial fundamentals my children will carry with them for the rest of their lives. 

One thing I feel really strongly about is this: 

Our kids don’t learn about money by accident. We have to teach them. 

I was lucky. My mum taught me early on about money in a way that was simple but powerful. Her philosophy was: 

Split everything into thirds – bills, savings, and fun. 

That stayed with me. It gave me structure, balance, and a healthy relationship with money. 

And now, as a mum myself, I feel a deep responsibility to pass that wisdom on – and build on it. 

Even before my girls were born, I had a financial strategy in mind for them. Not something complicated… just something intentional. 

One of the simplest (and most meaningful) things we’ve created is their money boxes and memory books. 

Instead of friends and family buying more toys for birthdays and Christmas – things that often get broken or forgotten – we invite them to contribute to the girls’ money boxes instead. 

But here’s the part I love the most… 

Each person writes a personal message in their book. 

Each of my girls has their own. 

Over the years, these books will be filled with heartfelt, encouraging, and inspiring words from the people who love them most – while also building a financial foundation for their future. 

On their 18th birthday, we’ll celebrate in a big way – and invite everyone who contributed to their journey. It won’t just be about the money… it will be about the people, the love, and the intention behind it.  

I also look for little opportunities to grow their money in everyday life. 

If I sell something on Marketplace, I’ll pop the money into their boxes and write a note in their book –  

“Mum sold your cot – $50.” 

We then invest it a GROW it. 

It’s such a simple act, but it reinforces something powerful: 

Money can be created, grown, and managed with intention.  

Alongside this, here are the simple, practical ways I’m teaching my girls about money every day:  

I make money visible, not a mystery 

We talk about money openly. They see it, touch it, and interact with it. I never want money to feel confusing or “off-limits” for them. 

We use a “Spend, Save, Give” approach 

A modern version of what my mum taught me. It creates balance – enjoying money now, planning for the future, and learning generosity. 

I’m teaching them that money is created through value 

There are opportunities for them to earn through helping and contributing. It’s not about paying them for everything – household chores are part of being a family.  It’s about understanding effort and reward.  

I let them make small mistakes 

As hard as it is, I don’t rescue them from every decision. If they spend impulsively and regret it, that lesson sticks far more than anything I could say. 

We talk about money openly and often 

It’s part of our everyday conversations. Not something hidden or stressful. 

We set little savings goals together 

Whether it’s something small or exciting, they’re learning patience, planning, and delayed gratification. 

I introduce the idea that money can grow 

Even in simple ways, I’m planting the seed that money isn’t just for spending. It’s something you can build over time. 

We use everyday moments as teaching opportunities 

At the grocery store, we talk about what’s on sale and compare prices. I get them involved in finding the best options. 

They’re part of the buying process 

At the checkout, I encourage them to hand over the money so they understand that to receive something, you have to pay for it. 

Most importantly – I model the behaviour 

Because at the end of the day, they’re always watching how I make decisions, how I prioritise, and how I handle money in our home. 

This journey isn’t about being perfect. It’s about being intentional. 

I want my girls to grow up feeling confident with money – not fearful of it. I want them to understand it, respect it, and use it as a tool to create a life they love. 

Because if I can give them that… 

That’s one of the most meaningful gifts I’ll ever give as their mum.  

Wishing all the amazing mums and those who play a meaningful, motherly role in someone’s life – a truly beautiful and happy Mother’s Day 💛