Cha-Ching Money Smart Kids is a financial literacy programme designed to equip 7 to 12 year olds with the knowledge, tools and practice they need to make informed financial decisions to reach their own personal goals and dreams.
The project has been produced in response to key findings from a major research initiative undertaken by Prudential across Asia, which shows that only 13% of parents believe their children possess money management skills – though almost all parents (96%) think it is important to learn them.
Developed by Prudence Foundation with Cartoon Network Asia and children’s education expert, Dr. Alice Wilder, the storylines have been written around the four key concepts of money: Earn, Save, Spend and Donate. Children mostly only see spend, but it also needs to be understood that Earn, Save, Spend, Donate is a cycle of money and they are choices that have to be made every day, throughout life.
Learn More About Cha-Ching
Prudence Foundation developed the money-smart kids programme in response to a growing interest in – and need for – financial literacy programmes focused on children.
For more information, please visit
Cha-Ching on Prudence Foundation website
Money doesn't grow on trees: you have to earn it. And if you want to save, spend or donate money, you have to make it first. Key topics on earning in the music videos include everything costs money, mum and dad work to buy needs and wants, entrepreneurship, allowances, gifts and household chores.
Saving is an important habit: saving for short and long term goals; and saving for just in case! Putting money in the bank and earning interest, making your money work for you, is equally essential. Key topics on saving in the music videos include setting a goal, depositing money in a bank to earn interest, comparing prices, planning and budgeting.
Spending is top of mind for kids when quizzed on money. But to achieve financial well-being they need to learn about separating needs from wants; and instant and delayed gratification. Key topics on spending in the music videos include budgeting (making a plan), creating a spending journal, choosing not to spend it all right away, comparing prices, and thinking before spending.
There are always people who have less than us. Kids should learn to give without expecting anything in return, and the concept of donating throughout the music videos will show them that it can also make them feel good. We also focus on the concept of donating time, not just money.