Real Voices. Real Struggles. Real Change.
Because every family deserves to feel confident with money — and it starts with awareness
“We keep saying we'll start saving properly next month... but something always comes up”
Keith Finley
👉 That’s where small, consistent steps make all the difference.
“No one ever thaught me about money. I just don’t want my kids to repeat the same mistakes I did.”
Monet Goode
👉 The guilt of not knowing becomes the drive to do better.
“Every week there's a new thing they want-games, gadgets, snacks. How do you say no without feeling guilty?”
Channing Lee
👉 Smart money habits start with small conversations.
Our vision
To make financial confidence simple, accessible, and achievable for everyone.
We’re building a world where anyone, anywhere can take control of their money with clarity, confidence, and joy.
Join The 30-Day Smart Spending Challenge™
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Join The 30-Day Smart Spending Challenge™ *
Take part in our 30 day challenge led by Penny the Piggy Bank & Captain Cash. Learn the smart spending habit, track your progress, and receive Bronze, Silver and Gold Certificates. Perfect for kids and teens who want to learn and make money fun.
Choose Your Path
Kids & Teens
Wealth Builders
The Impact on Families
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Shih Nyien, single, in her mid 40s
“I really wish I had a game like this when I was growing up!”
Everyone needs to know how to handle money. This 30-day Smart Spending Challenge is a fun way for children or teenagers to start learning the basics. I love that parents can join in and guide them along the way.
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Marisa, mum of 3 children (ages 7, 12 & 14)
“I didn’t expect my kids to get this excited about learning money skills.”
The 30-Day Smart Spending Challenge fitted easily into our routine and made money feel fun. The Bronze, Silver and Gold certificates kept my kids motivated, and the messages from Penny the Piggy Bank and Captain Cash made them feel encouraged and proud. We’ve already seen better saving habits and more thoughtful spending at home.
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Steven, dad of 2 children (ages 7 & 11)
“This made money conversations simple instead of awkward.”
I wanted my kids to understand money without turning it into lectures. The 30-Day Smart Spending Challenge did exactly that. The daily steps were easy to follow, and the Bronze, Silver and Gold certificates gave my kids something tangible to work towards.
The encouragement from Penny the Piggy Bank and Captain Cash really helped keep them engaged — especially on days when attention spans were short. We’re now seeing better saving habits and more thoughtful decisions, and it’s become part of our normal family conversations.
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Christopher Tan, in his 30s | dad of 1 child (age 5)
“I have been running through this with my son and I think it helps parents educate their kids on financial literacy very well, something most of us never , so this is good.”
Though my son is only 5 he has grasped the concepts, and enjoys the videos created that comes along with the course.
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Ann, mum in her 40s | 1 child (age 9)
“This is the first money programme my child actually wanted to finish.”
The daily encouragement from Penny the Piggy Bank and Captain Cash, plus working towards the Bronze, Silver and Gold certificates, kept my son engaged from start to finish. It’s helped us have calmer, more positive conversations about money — and the lessons have really stuck.
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Sarah, mum in mid-30s | 2 children (ages 7 & 9)
“It turned money into something positive instead of confusing.”
The 30-Day Smart Spending Challenge slotted easily into our evenings and never felt overwhelming. The Bronze, Silver and Gold certificates kept my children motivated, and the encouraging messages from Penny the Piggy Bank and Captain Cash made them feel supported throughout. We’ve already noticed more confidence and better money choices at home.
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Dave, dad in early 40s | 1 child (age 10)
“Practical, encouraging, and actually enjoyable.”
My son stayed engaged from start to finish thanks to the clear steps and reward milestones. Working towards the Bronze, Silver and Gold certificates, alongside the positive messages from Penny the Piggy Bank and Captain Cash, gave him a real sense of achievement. It’s helped him build habits around saving and thinking before spending.
