Things You Should Know About Money at 13 (and Why They Actually Matter)

Hey! I’ve been figuring out how to be smart with money, and the earlier you start, the easier it gets later.

Here’s how I started taking control of my money:

1. Don’t Spend Everything
Whenever money comes in, save a little first. Even £2 or £5 adds up and feels like a win.

2. Use a Savings Jar
It doesn’t have to be fancy. Label a jar “Stuff I Really Want” and drop coins in. Watching it grow is motivating.

3. Write Down Your Goals
Make a short list of things you want — like a game or a concert. It helps you decide: sweets now, or something better later?

4. Learn From TikTok & YouTube
There are creators who explain money in fun ways. They can show why saving, budgeting, and smart choices matter.

5. Talk to Your Parents
Ask questions like, “How do you pay bills?” or “What’s a budget?” You’ll learn real-life money skills and maybe even get to help out.

6. Track What You Spend
Jot down where your money goes. It makes you think twice before buying something just because you can.

Why It Matters

Starting early with money makes life easier later. Saving and learning now builds confidence instead of stress. Money isn’t scary — it’s just another skill you can practice.

Even small steps, like saving coins or asking questions, make a big difference. Your future self will thank you.