Sambla launches handbook for parents – how to talk money with your children in 2026

Growing up in an age of digital payments, increased consumption and high demands for financial independence makes it more important than ever to talk about money with children at an early age. To support parents in this, Sambla is now launching a financial handbook for parents, packed with concrete tips, educational examples and tools to help children and young people understand finances from the ground up.

The handbook provides practical advice on weekly and monthly allowances, savings, budgeting and how to explain key financial concepts in a way that is appropriate for your child's age. Such knowledge can help create security and healthy habits for adulthood. Children's attitudes towards money are formed early, and understanding finances at a young age can reduce the risk of financial stress later in life.

“We know that many parents find it difficult to talk to their children about money, yet these conversations are often the ones that help build financial confidence and security over time. This guide is designed to be a practical, accessible resource for parents who want to give their children a solid foundation in financial understanding and lifelong money skills,” says Hans Skruvfors, CEO of Sambla Group.

The handbook includes, among other things:

• Tips for talking finances with children of different ages
• Practical exercises, from counting monthly allowances to planning a simple budget
• Explanations of common financial concepts, such as savings, interest and credit
• Examples of questions and everyday situations that create natural conversations
  

"Teaching children about money isn’t about setting strict rules – it’s about giving them understanding and lifelong tools. We want to help parents make finances a natural part of everyday life, without lectures. It can be as simple as involving kids in planning the weekly grocery shopping or encouraging them to save for something they really want," says Marcus Sätherström, financial expert at Sambla.

The initiative is part of Sambla's long-term investment in financial knowledge and responsibility.

Tips from Sambla – how to talk money with your child:

• Explain the basics of finances in a simple way by using everyday situations, such as how to plan a weekly budget or compare prices when shopping together.
• Start talking about money at an early age and adapt the conversations to the child's age and level of understanding, so that concepts such as saving and budgeting are understandable.
• Include the children in practical exercises, such as planning a weekly allowance or calculating how much is needed for a goal they want to achieve.
• Explain common financial concepts such as savings, interest and credit in a concrete way that is linked to the child's everyday life and experiences.
• Show how to plan and follow a simple budget, for example by comparing income – such as weekly allowance – with expenses for what the children want.
• Encourage saving by setting concrete goals, such as saving for a specific toy, activity, or experience.