Real Money.
Real Stores.
Real Skills.
Give your child a budget, accompany them or send them to Naivas, and watch them learn to manage money with stewardship through real-life experience. The Family Money Experience (FMX) is financial education that truly works.
How Family Money Experience (FMX) Works
A simple 6-step process that transforms shopping into a powerful learning experience
Set the Family Challenge
Parent sets the budget and assigns the challenge.
Child Begins the Journey
Child opens the challenge and begins planning.
Create the Shopping Plan
Items and prices are listed while tracking the remaining budget.
Turn the Store into a Classroom
Child leads the shopping process in-store.
The Proud Payment Moment
Child pays, scans the receipt, and receives a score.
Learn and Repeat
Reflection and repeat participation builds confidence.
← Follow the journey from planning to learning →
Powered by Naivas
Together, Chedda and Naivas are transforming family shopping into meaningful financial wellness experiences
A Partnership Built on Shared Values
Naivas, Kenya's leading retail chain, shares our commitment to empowering families. Through this partnership, children learn real-world financial skills in a trusted, familiar environment while parents guide their growth every step of the way.
Why Family Money Experience (FMX)?
The most effective way to teach financial wellness to children
Practical Learning
Children learn by doing, not just reading. Real money decisions create lasting financial habits that classroom lessons can't match.
- ✓ Hands-on experience
- ✓ Real-world decision making
- ✓ Immediate feedback
- ✓ Builds confidence
Safe Environment
Parents maintain full control while children explore financial independence. Set budgets, track progress, and guide learning in real-time.
- ✓ Parent-controlled budgets
- ✓ Real-time monitoring
- ✓ Partner store network
- ✓ Age-appropriate missions
Parent Coaching
Turn every shopping trip into a teachable moment. Review decisions together, celebrate wins, and learn from mistakes as a family.
- ✓ Conversation starters
- ✓ Progress tracking
- ✓ Goal setting tools
- ✓ Family bonding
Join families and institutions already transforming how children learn about money.
For Schools & Educators
Transform financial education at your school. Join institutions across Kenya in preparing students for real-world money management.
Why Participate?
Practical Financial Literacy
Give your students hands-on experience with budgeting, saving, and smart spending—skills they'll use for life.
Zero Cost Implementation
Complete program at no cost to your school, including all training materials and digital resources.
Track Student Progress
Real-time dashboards show student engagement, learning milestones, and school rankings.
Free Financial Classes
Online financial literacy classes for all participating students throughout April
School Leaderboard
Compete with other schools for the coveted FMX Trophy and top rankings
Digital Certificates
Official participation certificates for all students who complete the program
FMX Certification Ladder
Points-based achievement system that rewards student progress and engagement
Teacher Training
Top 5 schools receive free financial wellness training sessions for teachers
Chedda Magazine Feature
Participating schools featured in our quarterly Chedda Magazine publication
🏆 Current School Rankings
Schools leading the charge in financial literacy education
Braeburn School
Nairobi
Brookhouse School
Karen
St. Mary's School
Nairobi
Peponi School
Ruiru
Hillcrest International
Nairobi
International School of Kenya
Nairobi
Brookside School
Kiambu
Aga Khan Academy
Nairobi
Banda School
Nairobi
Rosslyn Academy
Nairobi
Free Financial Literacy Classes
Exclusive online classes for students from registered families, schools, and churches. Limited access throughout April.
📚 What You'll Learn
Budgeting Basics
Learn to plan spending and track money like a pro
Smart Shopping Strategies
Compare prices, spot deals, and avoid impulse buys
Saving & Goal Setting
Set financial goals and build saving habits early
Needs vs. Wants
Make smarter spending choices with family budgets
🔐 Who Gets Access?
- ✓ Students from registered families
- ✓ Schools enrolled in the FMX Challenge
- ✓ Churches participating in the program
✨ What's Included
- • Interactive live sessions with financial experts
- • Digital certificate of completion
- • Access to recorded sessions for review
For Churches & Faith Communities
Teach stewardship at home – starting in Sunday School to youth service. Partner with Chedda to bring biblical financial principles to your congregation.
Why Partner With Us?
Biblical Stewardship
Teach children to manage resources wisely, aligned with faith values and biblical principles of stewardship.
Strengthen Church Families
Equip families in your congregation with practical tools for teaching financial responsibility at home.
Zero Cost Implementation
Complete program at no cost to your church, including all training materials and digital resources.
Free Online Classes
Financial literacy classes for all participating students from Sunday School to youth service
Sunday School Teacher Training
Free financial wellness sessions to equip your teachers with stewardship principles
Participation Certificates
Official certificates for all students who complete the program
Chedda Magazine Feature
Participating churches featured in our quarterly Chedda Magazine publication
Register Your Interest
Join the Family Money Experience (FMX) pilot program
Frequently Asked Questions
Everything you need to know about Family Money Experience (FMX)
Still have questions?
We're here to help! Register below and we'll reach out to answer any questions.
Register & Ask Questions