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Pocket money checklist

Settled once, together, rather than negotiated weekly — the amount, what it covers, and what happens once it's already spent.

17 items

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The items

  1. An amount agreed and matched to ageReviewed yearly rather than fixed forever — what's right at seven is too little by eleven.
  2. What it's meant to cover, decided together
  3. Small treats and day-to-day spending
  4. Saving towards something bigger
  5. Whether it stretches to school trips or stays separate from those
  6. Whether it's linked to chores, decided as a familySome households tie it to jobs done, others don't — either works, as long as everyone's agreed which.
  7. A fixed payment day, kept toConsistency matters more to a child than the amount does.
  8. Cash, a prepaid card or a kids' banking appAn app suits an older child who wants to see a balance rather than count coins.
  9. A savings pot or account alongside the spending oneEven a jar with a label starts the idea that not all of it needs spending straight away.
  10. A rule for what happens once it's spent earlyNot topped up ahead of the next payment — the lesson is in waiting, not being rescued from it.
  11. A rule about lending or borrowing between siblingsWorth deciding in advance rather than refereeing a dispute about it after the fact.
  12. Birthday or gift money kept separate from the weekly amountSo it isn't absorbed into ordinary spending without either of you noticing.
  13. A record kept somewhere both of you can checkEspecially useful with an app, so nobody's arguing from memory about whether it was paid.
  14. What happens to money earned outside pocket moneyA paper round or occasional odd job — decide if it's kept fully separate or on top.
  15. Increases agreed at set pointsA birthday or a new school year, rather than a running negotiation any time a bigger amount is wanted.
  16. Account access and any password agreed togetherIf a card or app is involved, decide up front who can see or change what.
  17. A goal to save towardsSomething specific gives the saving pot a point beyond just not spending.

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Questions people ask

Should pocket money be linked to chores?
Either approach works — some families link it to jobs done, others treat it as separate from housework entirely. What matters is agreeing which, so it isn't negotiated fresh every week.
What if it's all spent within a day?
Let it run out rather than topping it up early. Waiting for the next payment is where the actual lesson about money sits.
How often should the amount go up?
At a fixed point — a birthday or a new school year — rather than whenever it's asked for. A set review point avoids an ongoing negotiation.