Three Cups - eBook  -     By: Mark St. Germain
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Three Cups - eBook

Thomas Nelson / 2011 / ePub

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Product Description

Teach your children at an early age good money habits, as well as the value of responsibility, generosity, and the joy of reaching one's goals with this illustrated book. Delight with this heart-warming tale, and try integrating the three-cup system into your own children's lives. Three Cups is the story of one family's unique and effective method of teaching personal financial management-and how one boy reaped first the small, then the immeasurably great rewards of the lessons he learned. 32 pages, hardcover from Thomas Nelson.

Product Information

Format: DRM Protected ePub
Vendor: Thomas Nelson
Publication Date: 2011
ISBN: 9781400318575
ISBN-13: 9781400318575

Publisher's Description

Teaching children how to save, spend, and be charitable can be as simple as 1, 2, 3.

All parents want to teach their children good money habits from an early age. Many start by giving them an allowance. But it’s equally important to teach children a positive, generous attitude as they learn to use money responsibly.

Filled with warm, memorable illustrations by award-winning painter, April Willy, Three Cups is the story of one family’s unique and effective method of teaching personal financial management—and how one boy reaped first the small, then the immeasurably great rewards of the lessons he learned.

Families will be delighted with the heart-warming tale and want to integrate the three-cup system in their own children’s lives.

There is only one flaw in Three Cups: A Lesson in Life and Money for Children by Tony Townsley and Mark St. Germain, but it is a major weakness in the book. Although this book is published by a Christian publishing house and it espouses Christian virtues, such as helping the needy and being thrifty and learning to share what you have with your family members, it says nothing about learning to pay tithes or give offerings to the Lord. To me, this negates much of what is valuable in the rest of the book.

The story is told from the perspective of a boy who, on his fifth birthday, is told that he is now old enough to start receiving a weekly allowance. However, his parents (his benefactors) insist that he divide his money three ways and place it in separate coffee cups. One cup’s money is to give to those in need. One cup is to spend on whatever the boy desires. The last cup is for saving and investing for future needs. If he does this, his parents promise him that he'll experience great adventures.

The "adventures" do transpire in time. From his giving cup he takes enough money to buy cans of soup to give to hungry families through a food drive at his school. Through his spending cup he eventually accumulates enough cash to buy a baseball mitt he has wanted, as well as a gift for his little sister. As his savings cup fills, he transfers the money to a bank account and earns interest. At the end of the book, he has used this money to go to college and get married. He now has a five-year-old boy whom he can teach about the three cups.

The book features warm, copper-toned drawings of the narrator, his parents, his sister, and the bank president, and at the back of the book there is a guide for parents to help them teach money management to their youngsters. However, the book contains no Bible references, no examples from Scripture, and no admonitions to "render unto God what is God's." – Dr. Dennis E. Hensley,

Publisher's Weekly

Townsley’s and St. Germain’s text offers an irresistibly simple proposal in story form. On his fifth birthday, a boy receives the gift of three cups from his parents. One is for spending, one for saving, the third for giving. That’s where he is to keep his allowance; how much goes into each cup changes over time. At the book’s end, the cycle begins again, with a new generation. The text includes a parents’ guide. The book began its life as a self-published volume and has sold more than 30,000 copies through card stores and financial institutions. Willy’s warm-toned, ultra-realistic painterly illustrations are Norman Rockwellian; some will adore the nostalgia; others, maybe not so much. But the need for financial responsibility lessons is ageless, and this little course goes down easy. Ages 4-8. (Nov.) Copyright 2011 Reed Business Information.

Product Reviews

4.1 Stars Out Of 5
4.1 out of 5
4.2 out Of 5
(4.2 out of 5)
4 out Of 5
(4 out of 5)
Meets Expectations:
3.8 out Of 5
(3.8 out of 5)
of customers would recommend this product to a friend.
Displaying items 1-5 of 18
Page 1 of 4 1234 Next
  1. Columbus, GA
    Age: 55-65
    Gender: female
    5 Stars Out Of 5
    Christian Management of Money for Children
    March 9, 2015
    Columbus, GA
    Age: 55-65
    Gender: female
    Quality: 5
    Value: 5
    Meets Expectations: 5
    I loved the pictures and the story! I bought it for my eight year old granddaughter but I enjoy it too! I wish this book had been available when my children were young. It's not too wordy and teaches the value of money management in a brief colorful presentation that will hold a child's attention.
  2. Michigan
    Age: 35-44
    Gender: female
    4 Stars Out Of 5
    Great lesson, could have had biblical reference
    January 4, 2012
    Age: 35-44
    Gender: female
    Quality: 5
    Value: 5
    Meets Expectations: 4
    Three Cups: By Tony Townsley and Mark St. Germain Illustrated by April Willy

    Excellent teaching tool with a great story for all age children

    The expression on the Childs face encourages you to really feel the moment he receives his gift from his perspective. This story is about the gift of three cups given to the author by his parents. One cup is for giving, one is for saving and one for spending. This is a great teaching tool for a Christian parent who wants to instill the value in a child to give and save money. I was disappointed that in the kindle addition you could not see the illustrations while reading the pages as they were on separate pages. What was thought to be the worst gift ever at first site turned out to be a gift that lasted a life time and could be passed on for generations to come. I would recommend this book to anyone who has children. The book is great for my girls ages 10 and 12 as well as my boys 5 and 7. I read it to my 1 and 2 year olds also though they are not quite old enough to understand. It is never too young to start learning about money. another negative about this book was that it did not have bible verses nor did it talk about tithing in reference to giving. You could incorporate that into a lesson using this book but it was not in it and I felt it should have been. I give it a 4 star rating only because of the lack of biblical reference.

    Disclosure of Material Connection: I received this book free from the publisher through the BookSneeze®.com <[...]> book review bloggers program. I was not required to write a positive review. The opinions I have express in my reviews are my own. They are based on mine and/or my children's reactions to the book. I am disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255 <[...]> : "Guides Concerning the Use of Endorsements and Testimonials in Advertising."

    Comment | Permalink
  3. Scranton, PA
    Age: 35-44
    Gender: female
    3 Stars Out Of 5
    The Pictures Were Pretty
    December 26, 2011
    Just Amy
    Scranton, PA
    Age: 35-44
    Gender: female
    Quality: 3
    Value: 3
    Meets Expectations: 2
    I got the e-book version of Three Cups to review directly from the publisher at I did like the illustrations even on the e-book version, however, I was a little bit disappointed by the simplicity of the book. I'm not sure if it's because I already am aware of the idea of breaking your finances up into three cups, or if I wanted a little more "story" along with the instructions. I have actually tried the concept in the past with my children and had little luck. Every single one of them ended up "playing" with the cups -- dumping the money out and stacking it up...and I found it very hard to pay the children with the three cup method. For example, you cannot give a child a $5 bill, or a $1 bill... you have to give him a sum that is able to be broken up according to your spending habits. So maybe my experiences colored my view of the book in a negative light. It is beautifully illustrated but overly simplistic. I'd like to see somewhere in the back some information on how to make this work in the real world.
  4. 4 Stars Out Of 5
    December 4, 2011
    Random Ruthie
    Teaching children to use their money wisely is very important. Three Cups provides a simple way to explain saving, sharing and spending to children. A five year old boy receives three cups from his parents on his birthday. His parents explain that they will give him an allowance and each week they will help him put of the money in each of the three cups. After a while, he has collected enough money to start a savings account in the bank, buy the baseball glove he wants (plus a gift for his sister), and help out some people in need.

    The story format is very simple, and is actually very similar to the way my parents taught me when I was little. A good choice for parents to share with their children.

    Tommy Nelson provided this book for review through the BookSneeze review program.
  5. Post Falls, ID
    Age: 35-44
    Gender: female
    4 Stars Out Of 5
    Review - Three Cups
    December 1, 2011
    Post Falls, ID
    Age: 35-44
    Gender: female
    Quality: 4
    Value: 3
    Meets Expectations: 4
    How exciting! I really enjoyed this book - Three Cups, by Tony Townsley with Mark St. Germain. It is a super short read, only 32 pages - but it was great! We are going to read it to our kids tonight and it has inspired me to want to try this tradition and teaching tool with them.

    Three cups is a wonderful story about a family's tradition to teach their young five year old son about a grand adventure! Using three cups, the reader follows this young boy as he divides his weekly allowance between the three cups - Saving, Spending and Giving. Throughout the story the parents encourage their son and instill a sense of value, for work, money and giving. With a little more discussion, this could have been an A+ book. The only thing I would have liked to have seen is what the Lord has to say about money, giving, spending and saving. Overall though, it is a sound way to encourage our youth to be responsible and teach the value of money management - patterns that can - if followed through with - will last a lifetime. Don't hesitate in getting this cute book for your kids!

    God Bless!

    <i>Disclosure of Material Connection: I received this book free from Thomas Nelson Publishers as part of their <> book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255 </i>
Displaying items 1-5 of 18
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