Does your daughter like to bake? If so, it would be fun for her to have a little bake sale for the neighbors or family friends.

She could plan a yard sale to get rid of old clothes and toys to make room for new ones!

She could make homemade ornaments from popsicle sticks (make a reindeer by giving it eyes and a mouth with a black Sharpie, glue a red puff ball on for a nose – and glue red or green ribbon, tie the top so it can be hung on the tree.) – Then she could sell those.

You could give her a list of house chores that she usually isn’t responsible for and put a monetary value next to each, let her choose which she wants to do (a few that are worth more or several chores worth less.)

These are just a few ideas, but I think all of these will teach her that she has to do some work to get money. I’m always in favor of children learning from experiences like these, learning life lessons about making money, saving money, and managing money.

You should also check out Dave Ramsey’s books and DVDs for teens and kids on how to manage money. It would be a great chance to teach her about saving and setting herself up for success in the future

hmm.. you may want to suggest some homemade gift ideas to her? I’ve found some fantastic and easy to make gift ideas from this website . I’m on a tight budget too, so she may want to explore it

If you are only going to give her 20 dollars, And she needs to come up with the other 80 of it… I would asume she will need to work for it… How about delivering papers? Or is their snow where you are yet? we have lots of snow here , She can always go ask the elderly if they need their walk ways shoveld? How about anything any family members need done? Can she help them out to earn some extra cash? Hmmm So yeah that is all i got for you, i am sorry it is not much, How old thier must you be too work say at a fast food joint?