Teaching kids about cash? Try chocolate

Picture of my daughter before a visit to the cinema, when I was teaching my children about money

Lessons in money that won’t be forgotten

As a parent, I reckon it’s vitally important to help my children learn about managing money.
Today marks the start of Financial Capability Week, so I wanted to write about different ways to approach cash with your kids.

I can bang on about the importance of saving, when confronted with demands for Pokemon cards.
I can try to translate the price of a Lego Death Star into weeks of pocket money (most of a lifetime, frankly).
I can even attempt to bribe my offspring into doing jobs I don’t want to do, but sadly the lawn is still covered with leaves.

Lectures on mortgages are never going to cut it with an eight-year-old, so I’ve stuck to the real priority: sweets.

My daughter can be pretty resistant to Maths homework.

However, when it comes to working out how to get the most sugar for the least money, she suddenly perks up. So goodbye healthy eating, and hello life lessons in hard cash.

We’ve already covered vital topics like:

– taking advantage of special offers (that would be the enormous bag of marshmallows, selling for only £1)
– looking out for multibuys (turns out three bags of Co-op sweets for £1 weigh way more than a £1 bag of Haribo)
– downshifting brands (the pack of four own brand ice cream cones that cost loads less than Cornettos).

During the October Savings Challenge, my daugher and I headed off for a freebie cinema showing. I wasn’t keen to stump up for gold-plated pick and mix in the cinema foyer, so we nipped into a corner shop to buy snacks beforehand.

Now, my daugher is pretty partial to a bit* of caramel chocolate.
*For a bit, subsitute “a truckload”, funds and parental guilt permitting.

Anyway, it seemed like an ideal time to learn about money through the medium of chocolate, as we went on a mission to find the most Cadbury’s Caramel for the least cash.

Do you have any idea how many types of Cadbury’s Caramel it is possible to buy in one small shop?


Picture of a packet of Cadbury's heroes showing the weight of chocolate at 92g

Shaky pic due to me exclaiming “how much?”

First of all, my daugher spotted some Cadbury’s Heroes, which include “super cute” mini Caramel bars, apparently. I pointed out they’d have to be particularly cute when you only get 92g of chocolate for £1.69.


Photo of Cadbury's Dairy Milk Caramel bars with a price ticket of £1 for 120g

One big bar, one pound

Next we eyed up the massive bars of Cabury’s Caramel, on offer at £1 for 120g. That was definitely more chocolate for less money than the Heroes.

Picture of packets of Cadbury's Caramel Biscuits on a shelf, on offer at £1 for 130g.

Brand extension into biscuits. Nice.

However, there were also some Cadbury’s Caramel biscuits on offer, where your £1 got you a heftier 130g.

Picture of 4 pack of Cadbury's Dairy Milk Caramel bars, 148g for £1

More for your money with this version of Cadbury’s Caramel

In the end though, the winner was the four pack of small Cadbury’s Caramel bars, where £1 bought 148g.

I always knew that it was important to check the price per unit when food shopping.
But wow, the difference based on packaging was massive when it came to Cadbury’s Caramel.

With a small bag of Cadbury’s Heroes, £1 would only stretch to 54g of sweets.
Yet a four pack of Cadbury’s Caramel on special offer meant we could get 148g of chocolate for £1 – nearly three times as much.

Despite the eye-rolling in the aisles, my daughter was glad to get more choc for her money.
And we enjoyed the film too.

What are your top tips for helping your children make the most of their pocket money? I’d love to hear!


Pin for later:

Pinterest size image for teaching kids about cash, using chocolate. Shows Cadbury's Caramel on the shelves at £1 for 120g

Leave a Reply

Your email address will not be published. Required fields are marked *


  1. Anonymous
    17th November 2016 / 9:22 am

    What a fab idea. We'll be home educating our children and this is such a great idea to start teaching them about money! Thanks for sharing

  2. Sam from swimming!
    27th January 2018 / 4:04 pm

    When I went back to work after my 2nd, I had to take a Saturday job as well as my Monday to Friday (though part time) job to cover childcare. My eldest is 5, and she realised that I was actually having to take time away from her (it helps that she understands shelf stacking better as a job, project Co-ordinator doesn’t quite make for imaginative play). I explained money to her in how long it would take me to earn it- minimum wage minus tax roughly 10 minutes a £1. It’s helped us to explain why we watch every penny.

  3. 13th November 2018 / 7:51 pm

    Such a great idea – I’m totally stealing it. She has great taste in chocolate too BTW – caramel is one of my faves too!

  4. 25th June 2021 / 3:24 pm

    Wow! Thanks so much for this post. This information has been very helpful thanks for sharing this post.

  5. Manuel Franco
    1st December 2023 / 10:18 am

    I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him

The contents of this blog are for information and ideas, and should not be viewed as financial advice. Use of the material is conditional on there being no liability for how you choose to use it. If you are unsure about any investments or financial issues, please contact a financial adviser.