Blank Check Template – Teaching Teens How to Manage Money

Today I am going to share with you how you can use this blank check template to help teach teens how to manage money.

One of the most important things we can do as parents is to begin teaching teens how to manage money so they are establishing a solid financial future.

Teaching kids to save money can be difficult, but it is crucial to their financial future. To help you get started I created a blank check template so that your child can learn how to manage their money. Print out the template now and learn some cool idea to help your kids save money.

Building these skills early in their life will set them up for financial success for the long run.

We have some great tips to help you begin teaching your children how to save and manage their money for long term success.

I was shocked when my brother (he’s in high school) had no idea how to fill out a blank check. Literally he did even know where to start let alone what it meant to balance a checkbook!

This really got me thinking.

Even though checks are not used as often these days, it is still an essential part of managing money that needs to be taught to our kids.

Below you will find some tips and ideas to help teach your child to manage money. Plus, you can print a copy of my blank check template!

Teaching kids to save money can be difficult, but it is crucial to their financial future. To help you get started I created a blank check template so that your child can learn how to manage their money. Print out the template now and learn some cool idea to help your kids save money.

Include them in the family budget.  One of the best things you can do for your teen and their financial success is to help them to participate in your own family budget.

Whether you have them sit in on your monthly evaluation of the budget, or you ask them to help you figure out what needs to be prioritized, they need hands on experience.

(Related: Free Printable Monthly Budget Template)

As you go over the budget with your kids, try to show them in terms they will understand.  Include things like how the $100 you could save on electric by not running the air conditioning as much could pay for their season pass to the local amusement park, or buy them a new pair of designer shoes.

There are some great things you can have your teens help you manage month to month to get an idea of how a budget works.

  • Have them help with the menu plan and create the grocery budget. Show them how much food actually costs, and how fast you can go through food in your home.  This will help them to understand some of your food purchases, and thus be more prepared for their own food budget needs later.
  • Show them the utility bills and encourage them to help save by using different means of cooling off or staying warm as needed. You may also ask them to research ways to save money on water, gas, electric, or other expenses.
  • Show them the difference in price of Internet plans, as well as your favorite cable networks versus streaming choices.

Teach them how to balance a bank account.  One of the biggest pitfalls teens have as they enter adulthood is the inability to truly manage their money.

While they may understand the need for a budget and how it works, the actual money itself can be a problem. Many young adults make money and have more than enough to live within their means, but they make mistakes with simple accounting.

That’s where our free blank check template comes into play.

Teaching kids to save money can be difficult, but it is crucial to their financial future. To help you get started I created a blank check template so that your child can learn how to manage their money. Print out the template now and learn some cool idea to help your kids save money.

Print out these free blank checks and give your kids a pretend account to manage.

Free Blank Check Template


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Get a copy of my blank check template to help teach your kids to manage their money!





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For a month, you can have them write out a check to you each time they eat dinner, use the TV, or similar things that would normally come out of your own budget.

Make them responsible for their expenses in your home.  They are responsible for spending that “money” wisely.

Sit down and show them how to account for each check, cash withdrawal, and things like automatic bill payments that come out of your accounts each month.

This will help them to learn how many basic expenses add up fast, and how to properly account for their money day to day by keeping up with their bank balance accurately.

Encourage them to earn money.  Most teens have some sort of part-time job to earn money.  For many, this is an after school job at a local business.

{Related: 15 Side Jobs for Kids)

For others, it may be simply a job they hold during only summer months.  Whatever method of earning money you and your teen settle on, this is a great way to really help them to learn how to manage money.

Without actual money to manage, they won’t truly appreciate how budgets, bills, and expenses work.

There are tons of ways to earn money as a teen, and exploring part-time job possibilities can be tons of fun. Whatever they choose, earning money is the first step toward great savings and long-term financial success.

Open a savings account for them.  This is something that every teen should be learning from the beginning.

Saving money is vital to long-term financial success.  Start your teens early by helping them open a savings account.

As part of your agreement to allow them to work part-time or in the summer, you can require a portion of their pay go directly into savings.

While this money is theirs to do with as they wish, you may want to establish rules about when they can take money from savings for an expense.

(Related: Simple Ways for Kids to Save Money)

Establishing the habit of saving money early in life will keep them focused and on track as they grow up and take on financial responsibilities. This money can be a savings for a future car, their education, a vacation, or just there for an emergency.

Teaching them about different types of savings accounts is also a great way to help them learn how to manage money.

They can begin understanding how you can set aside money that isn’t to be used unless an emergency need arises, and also how you can set aside special accounts to save for specific purchases or expenses.

Make them responsible for some of their own expenses.  As your teens begin to earn money with chores, an allowance, or a part-time job, it is time to make them become responsible for some of their expenses.

What and how much you choose to make them responsible for depends on your relationship, financial needs, and their abilities and income.  There are some simple suggestions that often work well for teens learning to manage money.

  • Pay for their own cellphone, minutes, and accessories
  • Pay for their own vehicle and vehicle insurances
  • Pay for sports, clubs, and other after school activity expenses
  • Pay for their own meals, movie tickets, and passes for their time spent out with friends
  • Pay for their own clothing and school supplies (this is often limited to special choices and not must-haves)
  • Pay for their own beauty needs, hair cuts, toiletries, makeup, and personal care items

Whatever methods you use to help begin teaching teens how to manage money, it is important to start early to shape their financial future.

With a strong beginning in their financial life, they are more likely to stay out of debt and make wise financial choices throughout their life.

Free Kids Savings Goal tracker

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Get a copy of these savings trackers to help your child work towards their financial goals.

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Don’t forget to print out the blank check template to help teach your kids to manage their money.

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