How I Started Learning About Money at 13 (And Why It Actually Matters)

Hey! I’m 13, and no, I don’t have a job or a credit card, but I’ve still been learning how to be smart with money. I used to think “money stuff” was just for adults, but the more I’ve learned, the more I realized: the earlier you start, the easier it gets later.

So here’s how I started taking control of my money — even as a teenager.

1. I Stopped Spending Every Penny
Whenever I got birthday money or pocket money, I used to spend it straight away. Now, I try to save a little bit first. Even saving £2 or £5 makes me feel proud.

2. I Made a Savings Jar
It’s not fancy, but it works. I labeled a jar “Stuff I Really Want” and I add coins whenever I can. Watching it fill up is honestly kind of exciting.

3. I Wrote Down My Goals
I made a short list of things I want — like a new game or saving for a concert. Having goals helps me think before I spend. Do I want to buy sweets now, or save for something better?

4. I Learned From YouTube & TikTok
I started following creators who talk about money in a fun way. I learned what budgeting is, why savings accounts matter, and that money isn’t just about spending — it’s about choices.

5. I Talked to My Parents
I asked questions like: “How do you pay bills?” or “What’s a budget?” At first they were surprised, but now they explain stuff and let me help with little things like checking prices at the store.

6. I Track What I Spend
Sometimes I write down what I spent my money on, just to see where it goes. It's helped me realize I don’t always need to buy things just because I can.

Why It Matters
Learning about money now means I’ll be ready later. I don’t want to feel confused when I’m older. I want to feel confident. And the truth is — money doesn’t have to be stressful. It’s just something we can learn, like anything else.

If you're my age and want to start saving or understanding money, you totally can. You don’t need to wait until you’re an adult. Start small, ask questions, and take it one step at a time.

Trust me — your future self will be proud.