S’mores are the reward currency inside S’moresUp.

Children can earn S’mores by completing chores. Families can use them for rewards, privileges, allowance, savings goals, or shared family experiences.

S’mores make progress visible.

They help a child see:

I completed work. I earned something. Now I have a choice.

How S’mores Are Earned

A parent can set a S’mores value on a chore.

Example:

Chore: Feed the dog
Value: 10 S’mores

When the child completes the chore, the S’mores are awarded according to the setup.

If Parent Approval is required, the S’mores wait until the chore is approved.

If the parent rejects the chore:

• No S’mores are awarded
• The chore returns to the active list
• The family member can correct and submit it again

Who Receives the S’mores?

The chore type decides who earns the value.

Individual

The assigned person receives the full value.

Rotate

The person assigned for that occurrence receives the full value.

Collaborate

The total value is split among participating members.

Compete

The first person to complete the chore receives the full value.

As Needed

The person completing each valid occurrence receives the configured value.

Bonus chore

The person who claims and completes it receives the full value.

This is separate from automatic allocation into Spend, Save, and Goal.

Where Earned S’mores Go

After a chore awards S’mores, automatic allocation can divide them by percentage.

Example:

A child earns 20 S’mores.

The family allocation is:

• 70% Spend
• 20% Save
• 10% Goal

The 20 S’mores are divided according to that rule.

A chore can have its own percentage rule that overrides the global setting.

What S’mores Can Be Used For

Families may use S’mores for:

• Reward Shelf items
• Privileges
• Experiences
• Allowance
• Cash-Out
• Savings goals
• Family activities
• Sending to another family member

Examples:

• Choose the family movie
• Extra game time
• Save toward a book
• Cash out part of the Spend balance
• Send S’mores to a sibling
• Pool S’mores for a family outing

Not Every Chore Needs S’mores

Some responsibilities may be part of being in the family.

Examples:

• Put your own dish in the sink
• Put dirty clothes in the hamper
• Keep personal items in the right place

Other chores may earn S’mores because they:

• Build a new habit
• Require extra effort
• Help the whole family
• Are optional Bonus work
• Support a savings goal

The family decides what fits.

S’mores Are Not Real Money

S’mores can be connected to allowance through a conversion rate, but the points are not money by themselves.

Cash-Out records that the parent will pay the child.

S’moresUp does not transfer money.

This lets families teach earning and saving without turning the app into a bank account.

Manual Bonus and Penalty

Parents cannot normally type over a child’s balance.

They use:

• Bonus to add S’mores
• Penalty to remove S’mores

Manual Bonus goes into Spend.

Penalty removes from Spend.

Both appear as Wallet activity.

Send and Request

Any family member can send S’mores to or request S’mores from another person in the family.

Examples:

• A sibling sends 20 S’mores to help with a shared goal.
• A child requests 10 S’mores they were promised.
• A parent sends S’mores as a special Bonus.
• Family members pool S’mores into one account for a family reward.

Use a clear family rule so children understand when Send and Request are appropriate.

Why S’mores Help

S’mores can teach:

• Effort has value
• Choices have tradeoffs
• Spending now means having less later
• Saving takes time
• Goals require planning
• Family members can share
• Rewards should be earned and approved fairly

The goal is not to make children think only about points.

The goal is to make responsibility and choice easier to understand.

Common Questions

Are S’mores required?

No. Families can use chores without attaching S’mores to every one.

Are S’mores real money?

No.

Can S’mores become allowance?

Yes, through the family conversion rate and Cash-Out process.

Can children move S’mores between accounts?

S’mores can be moved between Spend, Save, and Goal. Verify exact child and parent controls.

Can a parent directly change a balance?

Parents use Bonus and Penalty instead of overwriting the balance.

Does Wallet require Premium?

No.

Best First Action

Choose one familiar chore and one simple reward.

Set a clear S’mores value, complete the chore, and show the child where the S’mores went.

Related Articles

• How S’mores, Rewards, and Wallet Work Together
• How Many S’mores Should a Chore Be Worth?
• How Spend, Save, and Goal Work
• How Allowance and Conversion Rates Work