“All work and no play makes Khushi a dull kid” – Joy 👦🏻 chuckled as he entered Khushi’s 👧🏻house.

It was late evening. 🌆 Earlier during the day, Khushi👧🏻 had texted Joy👦🏻 that after her online class she had a lot of homework 📚 and was going to remain busy all day.  Khushi beamed😁 as soon as she heard her best friend come. She had already taken permission at home to spend the next 2⌛ hours with Joy, but today, even Khushi was going to be surprised big time!!

Although Joy was more than 5 years older than Khushi, she had been his best friend👫🏻 for many years. They both would share everything with each other.  Today, Joy was carrying a box🎁 – it was a gift his father had given him and he wanted to unbox it only with his best friend.

It was a small gift box and was wrapped very neatly. Joy and Khushi unpacked it and this is what they found within.

It was a very attractive piggy bank. 🐷 Although both had seen quite a few piggy banks, this was something very different and looked innovative.  As they went through a note from the manufacturer, they saw that it had 3 piggys in one, namely, SAVE– SPEND – SHARE.

Joy immediately understood what it meant but Khushi was a bit confused.  Sensing her confusion😕, Joy explained that the pocket money we get needs to divided into 3 parts📊, so that we can plan where the money needs to go.  To explain further, and for her to participate, he suggested, “Let’s list down what we need to do, so that we can plan what percentage needs to go in which box.”

Here’s the list they made:


The bank will have money for our

1.      Minor purchases such as snacks. 🍭🍩🍔🍟

2.      Toys. 🧸🚗🎳🏓

3.      Small gifts for parents and friends. 🧧🎁🎉🥳


This bank will have money for our

1.      Bigger purchases like games and gadgets. 📱🖥️🏏🏸

2.      Yearly surprise gifts for our loved ones. 🎈🎉🎁🎋

3.      Extra fund for sudden requirements. 💎💷💰


This bank will have money for

1.      Supporting the cow shelter nearby. 🐄🤠

2.      Helping needy kids with books📚 and stationery 🎒🖋️✏️when school

starts every year.

3.      Keeping funds for helping the needy whenever required. 🙏🏻💰

It was an amazing experience for Joy to write down these points. 📝He was amazed to see that his friend was also able to give many of the points he had noted.  Both of them were excited🤩 to add more points as and when they put this to practice.

Both of them agreed to share all of their money equally among the 3 piggys and see how it goes.  Once Joy reached home, he had another surprise in store – his father said that if he did the process of Spending, Saving and Sharing diligently, his pocket money would be increased by ₹300 more🤑, so that they can have ₹100 more for each of the components of the piggy bank from now on.

So, kids let’s all start this immediately, and ask our parents for a hike!!😎😃

Author: Nirmal Jain | Nirmal Jain is the Co-Founder at HappyWise Financial Services. He has helped over 100 Families over the last 15 years of his services in the Financial Planning Sector. He has been a mentor to several people to help them better understand investments, stocks, mutual funds, financial planning, personal finance and above all his favorite term “The Power Of Compounding!”. 

6 thoughts on “Khushi and Joy, Episode 2: “Piggy Banking””
  1. Joy and Khushi have received a really good gift. The piggy bank is indeed innovative and it is a good way to teach children about the importance of maintaining a ratio between what they save, spend and share.

  2. I like the concept of how you have used stories to communicate with kids. this is a good way of educating them on heavy topics.

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