Creating Fiscally Responsible Children – With Debit Cards

We are the parents that want our children to grow up knowing how to manage money. We’re also the parents that just signed our *almost* nine year old daughter up for a debit card that we can control. She’s over the moon happy about the new detail in her life, and I’m both a mix of entertained at her wanting to be so grown up and mortified that it’s THAT TIME IN MY LIFE! Essentially, we’ll be loading her allowance and any birthday money, etc, onto her Greenlight debit card. Greenlight, the smart debit card for kids, is a GREAT way for us to help her keep track of her spending, and teach her those lessons that some of us may not have learned until college. Raising fiscally responsible children is one of those things we are adamant about. This post is part of a social shopper marketing insight campaign with Pollinate Media Group® and Greenlight, but all my opinions are my own. #pmedia #GreenPMG

Greenlight, the smart debit card for kids

The ladybug is VERY serious about saving her money. More often than not, she’s the loan officer of our house, and we – okay, *I* – have gone to her for a quick loan, and you better believe that she is ON IT when asking for her money back. I want her to keep that ability to keep track of her money, and what she spends it on, but I also want to teach her the value of it in a way that will translate to adulthood. 

Greenlight, the Smart Debit Card for Kids. 

I was able to order her Greenlight card through the app that I downloaded onto my phone and tablet. Greenlight is perfect for children who have a bit of grasp on money. I find that they are right on the money (HA!) with their 8-18 demographic, and the best part about the card is Mr. Houseful and I get to control where spending can take place. I can put ALL four children in our houseful on the account, and still pay the $4.99/mo with zero-fee loading for each card. This ability is important for several reasons. If I were to send the ladybug out with someone for the day or weekend, I can allot money for her trip, AND put restrictions on where she CANNOT spend her money. This way, Mr. Houseful and I can make sure that she’s not just blowing her allowance each and every time it’s loaded. 


Nathaniel actually has two debit cards, but his money flies out of his account faster than I can swivel my head when I see Bruno Mars. With the ability to turn restrictions on and off, and set spending limits, we can kind of forcibly make him save his money and realize that we are the best parents on Earth. And let’s not even get started on giving him actual paper money. That seems to stay in his wallet longer, but he STILL doesn’t keep great track when it comes to WHERE he spends the paper goods. When he or the ladybug do complete a purchase, all of us will receive real time alerts as to what they spent and where.

Greenlight, the Smart Debit Card for Kids  

Benefits of Greenlight

  • I can use the convenient automated allowance to “set it and forget it” so the ladybug and Nathaniel can receive their allowances on time. No fees for me either! 
  • Both the ladybug and Nathaniel have the freedom to spend their own money, while Mr. Houseful and I still retain control over where they spend, and how much they have. I think of it as the old way. The “You ONLY have $5 to spend here. Remember to think about tax!” talk that my parents used to give to me when we would go to a store that I loved. 
  • Take advantage of the completely special 30-day trial to see if it is a good fit for your family and get a $20 deposit bonus when you sign up after the trial. Sign up for Greenlight before 10/30 and they’ll deposit a $20 bonus into your account after the 30-day free trial ends. *deposit bonus made approximately two weeks after free trial ends. It’s available on both iOS and Android, so no having to worry about having one type of phone! 

Kids can also message you when they need extra money! They can send photos of what they are trying to buy, and THAT my friends will open the door to really talk about need vs. want, and how much work goes into buying things in general. Download the app today to start this important path for your children! 

How are you teaching YOUR children to be financially literate? Share below! 

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  • Reply
    Shelley VanWitzenburg
    September 21, 2017 at 4:19 pm

    Seriously awesome post! We just got our second card today and can’t wait to get it all set up! The app is so easy to use!

  • Reply
    quintina edwards
    September 21, 2017 at 9:48 pm

    This was truly a great post!!! Yes, I will be downloading the app for my son.

  • Reply
    Felecia Monique
    September 22, 2017 at 2:20 pm

    I was seriously trying to find a way to pay my son without giving him cash. He’s 10 and loses everything!

  • Reply
    September 22, 2017 at 2:44 pm

    This seems like such a great idea and way to teach kids how to start managing money. I may need to look into for my son.

  • Reply
    September 22, 2017 at 3:00 pm

    Looks like a great way to teach kids how to manage their money. Especially teens and pre teens. I’m not quite ready for Pookah to have one yet LOL

  • Reply
    Mimi Green
    September 24, 2017 at 11:07 pm

    I need this for my soon to be teen. He needs this lesson. He has a saving account but he needs to see his money come and go.

  • Reply
    September 24, 2017 at 11:57 pm

    I think this a wonderful idea. As a child I had a savings account and it taught me the hard lessons of managing my allowance. I taught me to save my money and buy only what I can afford.

  • Reply
    September 25, 2017 at 8:33 am

    I absolutely LOVE THIS! I would definitely consider this if i had kids. Will be sharing with my sister and friend.

  • Reply
    September 25, 2017 at 9:36 am

    I think this is awesome. It’s never to late to start teaching our children about money. I love that when you get a few dollars from her, she is on it about coming back for her cash!! Love it. I might need to look into this greenlight for my children.

  • Reply
    Tiffany Haywood
    September 25, 2017 at 5:35 pm

    This is amazing! Can I just tell you I think I have covered the spectrum of the different kids of savers and spenders with my kids. I have a Cheapo, a Spend It All and a Spend Yours Only. So this is the perfect solution to teaching them to find a balance in their spending and still get the things they want and maybe sometimes need. Thanks for sharing – heading over to find out more right now!

  • Reply
    September 26, 2017 at 10:56 am

    This is pretty awesome. Ha she is on you..where is my money mom. That is cute. I don’t think it is ever too early to start.

  • Reply
    September 26, 2017 at 3:48 pm

    This is such a great idea. I’m struggling with how to introduce good money/spending habits to my 6yo.

  • Reply
    September 27, 2017 at 8:40 am

    Our teenager has a debit card and it has made huge difference in how he manages money.

  • Reply
    Lia World Traveler
    October 16, 2017 at 4:08 pm

    This is a great lesson for all kids. Still on the fence about what age is best to get started. Maybe we should start with them earning more money for chores first.

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