Money Confidence Part 4: Confidence, Mistakes, and Learning from Money Choices
- Hey Doll! LLC
- 21 hours ago
- 5 min read
By now, you have learned something important.
Money is not something to be afraid of.
In Part 1, we talked about understanding money and learning the basics early.
In Part 2, we talked about smart spending, budgeting, and everyday money choices.
In Part 3, we talked about dreaming big, setting goals, and using money as a tool to support your future.
Now, in Part 4, we are talking about something just as important as saving, spending, or planning.
We are talking about mistakes.
Everyone makes money mistakes. Adults do. Parents do. Even people who seem really successful do. Making mistakes does not mean you are bad with money. It means you are learning.
This final part is about building confidence, learning without shame, talking openly about money, and trusting yourself as you grow.
This guide is written for girls ages 10 to 15, and for parents reading along who want to support healthy conversations around money. There is no pressure here. No perfection required. Just growth.
Why Making Money Mistakes Is Normal
One of the biggest myths about money is that you have to get everything right.
That is not true.
Money is something you learn over time. Just like learning to ride a bike, you may wobble, fall, or take a wrong turn before you feel steady.
Some common money mistakes teens might make include:
Spending money too quickly
Buying something they regret later
Forgetting to save
Feeling pressured to spend like friends
Not planning ahead
None of these mistakes define who you are. They are simply experiences.
Mistakes are not failures. They are lessons.
What Really Matters After a Mistake
What matters most is not the mistake itself. It is what you do next.
After a money mistake, it helps to ask gentle questions:
What happened
Why did I make that choice
What can I do differently next time
There is no need for harsh words or punishment. Learning happens best when you feel safe and supported.
When girls learn to reflect instead of criticize themselves, they build emotional strength and confidence.
Learning Without Shame
Shame makes learning harder.
Shame sounds like:
I am bad with money
I always mess up
I should have known better
Learning sounds like:
I am still figuring this out
I made a choice and learned from it
I can try again
Money confidence grows when girls understand that mistakes are part of the process, not something to hide.
Removing shame helps girls stay curious instead of afraid.
Why Talking About Money Openly Matters
Money should not be a secret.
When money feels secret or scary, it becomes harder to ask questions or learn from mistakes.
Talking openly about money helps girls:
Feel supported
Learn from others
Ask questions without fear
Build trust
Parents and caregivers play an important role here. Open conversations teach girls that money is something we can talk about, learn about, and grow with.
This is one reason financial literacy is such a powerful confidence building activity for tweens. It gives them language, understanding, and courage.
How to Start Talking About Money
Talking about money does not have to be serious or stressful.
Simple conversations can happen:
While shopping
While planning an activity
When saving for something special
After a money mistake
Helpful questions include:
What do you think about this purchase
What are you saving for right now
How did that decision feel afterward
What would you do differently next time
There are no wrong questions. Curiosity is a sign of growth.
Building Self-Trust With Money
Self-trust means believing in yourself.
When it comes to money, self-trust grows when girls:
Practice making choices
Reflect on outcomes
Learn from experience
Try again
Every small decision helps build confidence.
When girls are allowed to make age-appropriate money choices, they learn that they are capable. Even when things do not go perfectly, they gain wisdom.
Why Confidence Is More Important Than Perfection
Perfection is not the goal.
Confidence is.
Confidence means:
I can make choices
I can learn from mistakes
I can ask for help
I can keep growing
Girls who feel confident around money are more likely to:
Speak up
Set boundaries
Plan for the future
Believe in themselves
Money confidence supports emotional confidence.
Connecting All Four Parts Together
Let’s look at what you have learned across the full Money Confidence series.
From Part 1, you learned that money is a tool, not something to fear.
From Part 2, you learned how to budget, spend wisely, and handle everyday choices.
From Part 3, you learned how money supports dreams, goals, and vision.
From Part 4, you are learning that mistakes are part of growth and that confidence comes from learning, not perfection.
Together, these lessons form a strong foundation.
What Confidence With Money Looks Like
Money confidence does not mean having all the answers.
It looks like:
Feeling comfortable asking questions
Understanding basic choices
Knowing mistakes are okay
Trusting yourself to learn
This confidence grows slowly, through practice and support.
A Message for Parents Reading Along
Parents do not need to be perfect with money either.
Sharing stories, including mistakes, helps girls understand that learning never stops.
Encourage questions.
Normalize mistakes.
Celebrate effort and growth.
Families searching for meaningful resources, including the best subscription box for tween girls, are often looking for more than fun. They are looking for tools that help their daughter grow into a confident, capable young person.
How This Fits Into Everyday Life
Money confidence shows up in everyday moments:
Choosing how to spend allowance
Saving for a goal
Saying no to pressure
Talking about feelings around money
These moments matter.
They build habits, confidence, and self-respect.
This is why money education fits so naturally alongside mentorship, reflection, and tools like a monthly self care box for girls that encourages intentional thinking and confidence.
Your Money Journey Is Yours
There is no right timeline.
Some girls will learn quickly. Others will take more time. Both are okay.
Your journey with money is personal.
What matters most is staying curious, kind to yourself, and open to learning.
A Gentle Closing Note
Confidence is not about getting everything right.
It is about believing you can handle what comes next.
At Hey Doll!, we believe girls grow best when they are supported, encouraged, and trusted. Financial literacy is just one way we help girls build confidence that lasts.
Through thoughtful conversations, confidence building activities for tweens, and experiences designed to uplift, our mission is to remind every Doll that she is capable, smart, and worthy.
Money will change.Life will change.She will grow.
And through it all, she can trust herself.
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