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Girl_Learning_Money_Skills

Troop Finances

How do girls become financially empowered women? Through the Girl Scout Leadership Experience (GSLE), that’s how! Your Girl Scout troop should plan and finance its own activities, and you’ll coach your girls as they earn and manage troop funds. Troop activities are powered by proceeds earned through council-sponsored product program activities (such as the Girl Scout Cookie Program), group money-earning activities (council approved, of course!), and any dues your troop may charge.

With your guidance, girls will learn key money skills that will serve them throughout their lives.

For members within GSCSA, view our Troop Banking page for overall policy details. 

Remember that all funds collected, raised, earned, or otherwise received in the name of and for the benefit of Girl Scouting must be used for the purposes of Girl Scouting. Funds are administered by the troop and do not belong to individuals.

Establishing a Troop Account

No matter how much your troop plans on saving or spending, you’ll need a safe place to deposit your troop dues, product sale proceeds, and other funds. If you’ve stepped up to lead an existing troop, you may inherit a checking account, but with a new troop, you’ll want to open a new bank account. 

Here are a few helpful tips: 

  • Be sure to find a bank that has free checking and low fees.
  • Designate a “troop treasurer,” that is, one person who is responsible for troop funds and for keeping a daily account of expenditures. 
  • Ensure your account comes with a debit card that you can use during activities or trips. These transactions are easier to track at the end of the year.
  • Be prepared like a Girl Scout, and make sure another troop volunteer has accessible a debit card for the troop account in case the main card is lost.
  • Handle a lost troop debit card the same way you would a personal debit card: cancel it immediately.
  • Keep troop funds in the bank before an activity or trip, and pay for as many items as possible in advance of your departure.

Follow your council’s financial policies and procedures for setting up an account. Most council-sponsored product program activities have specific banking and tracking procedures. 

See Troop Banking Policies page 1. 

Troop Disbanding and Unused Troop Funds

When a troop disbands, any unused Girl Scout money left in the account becomes the property of the council. Troop funds are not the property of any individual girl. Before disbanding, ask your girls how they want to pay it forward: they may decide to donate any unused funds to their service unit, to another troop, or to pay for girl activities. Girl activities can include purchasing materials to support another organization through Take Action projects. 

See Troop Banking Policies page 5. 

Closing the Troop Account

When closing a troop account, be sure all checks and other debits have cleared the account before you close it. Remember, you may have to close the account in person. Turn remaining funds over to a council staff member.

See Troop Banking Policies page 7. 

Money-Earning Basics for Troops

Troops flex their financial muscles in two distinct ways: 

  • The Girl Scout Cookie Program and other sales of Girl Scout–authorized products (such as calendars, magazines, or nuts and candy), organized by your council. All girl members are eligible to participate in two council-sponsored product sale activities each year with volunteer supervision: the cookie program and one other council-authorized product sale. Please remember, volunteers and Girl Scout council staff don’t sell cookies and other products—girls do. 
  • Group money-earning activities organized by the troop (not by the council) that are planned and carried out by girls (in partnership with volunteers) and that earn money for the group. 

Participation Guidance
Girls’ participation in both council-sponsored product sale activities and group money-earning projects is based upon the following:

  • Voluntary participation
  • Written permission of each girl’s parent or guardian
  • An understanding of (and ability to explain clearly to others) why the money is needed
  • An understanding that money earning should not exceed what the group needs to support its program activities
  • Observance of local ordinances related to involvement of children in money-earning activities as well as health and safety laws
  • Vigilance in protecting the personal safety of each girl 
  • Arrangements for safeguarding the money

Additional Guidelines
Keep these specific guidelines—some of which are required by the Internal Revenue Service—in mind to ensure that sales are conducted with legal and financial integrity. 

  • All rewards earned by girls through the product sale activities must support Girl Scout program experiences (such as camp, travel, and program events, but not scholarships or financial credits toward outside organizations).
  • Rewards are based on sales ranges set by councils and may not be based on a dollar-per-dollar calculation.
  • Troops are encouraged to participate in council product sales as their primary money-earning activity; any group money earning shouldn’t compete with the Girl Scout Cookie Program or other council product sales.
  • Obtain written approval from your council before a group money-earning event; most councils ask that you submit a request for approval. 
  • Girl Scouts discourages the use of games of chance. Any activity which could be considered a game of chance (raffles, contests, bingo) must be approved by the local Girl Scout council and be conducted in compliance with all local and state laws. 
  • Girl Scouts’ Blue Book policy forbids girls from the direct solicitation of cash. Girls can collect partial payment toward the purchase of a package of Girl Scout Cookies and other Girl Scout–authorized products through participation in council-approved product sale donation programs.
  • Girl Scouts forbids product demonstration parties where the use of the Girl Scout trademark increases revenue for another business, such as in-home product parties. Any business using the Girl Scout trademark or other Girl Scout intellectual property must seek authorization from GSUSA.
  • Group money-earning activities need to be suited to the ages and abilities of the girls and consistent with the principles of the GSLE.
  • Money earned is for Girl Scout activities and is not to be retained by individuals. Girls can, however, be awarded incentives and/or may earn credits from their Girl Scout product sales. Funds acquired through group money-earning projects must be reported and accounted for by the group according to council procedures. 

Sample Money-Earning Activities
Collections/Drives

  • Cell phones for refurbishment
  • Used ink cartridges turned in for money
  • Christmas tree recycling

Food/Meal Events

  • Lunch box auction (prepared lunch or meal auctioned off)
  • Themed meals, like a high tea or a build-your-own-taco bar, related to activities girls are planning (For instance, if girls are earning money for travel, they could tie the meal to their destination.) 

Service(s)

  • Service-a-thon (people sponsor a girl doing service and funds go to support a trip or other activity)
  • Babysitting for holiday (New Year’s Eve) or council events
  • Raking leaves, weeding, cutting grass, shoveling snow, walking pets
  • Cooking class or other specialty class

The Girl Scout Cookie Program and other council-sponsored product sales are designed to unleash the entrepreneurial potential in your girls. From there, your troop may decide to earn additional funds on its own. 

See Volunteer Resources Troop Finances on the GSCSA website. 

Help Your Troop Reach its Financial Goals

We get it—there’s something exciting about opening that first case of Girl Scout cookies.  However, before your girls take part in all the cookie program fun, it’s important they have a clear plan and purpose for their product-sale activities. As a volunteer, you have the opportunity to facilitate girl-led financial planning, which may include the following steps for the girls:

  1. Set goals for money-earning activities. What do girls hope to accomplish through this activity? In addition to earning money, what skills do they hope to build? What leadership opportunities present themselves?

  2. Create a budget. Use a budget worksheet that includes both expenses (the cost of supplies, admission to events, travel, and so on) and available income (the group’s account balance, projected cookie proceeds, and so on).

  3. Determine how much the group needs to earn. Subtract expenses from available income to determine how much money your group needs to earn.

  4. Make a plan. The group can brainstorm and make decisions about its financial plans. Will cookie and other product sales—if approached proactively and energetically—earn enough money to meet the group’s goals? If not, which group money-earning activities might offset the difference? Will more than one group money-earning activity be necessary to achieve the group’s financial goals? In this planning stage, engage the girls through the Girl Scout processes (girl-led, learning by doing, and cooperative learning) and consider the value of any potential activity. Have them weigh feasibility, implementation, and safety factors. 

  5. Write it out. Once the group has decided on its financial plan, describe it in writing. If the plan involves a group money-earning activity, fill out an application for approval from your council and submit it along with the budget worksheet the girls created. 

Remember: It’s great for girls to have opportunities, like the Girl Scout Cookie Program, to earn funds that help them fulfill their goals as part of the GSLE. As a volunteer, try to help girls balance the money-earning they do with opportunities to enjoy other activities that have less emphasis on earning and spending money. Take Action projects, for example, may not always require girls to spend a lot of money!

Financial Management and Product Program Abilities by Grade Level

As with other Girl Scout activities, girls build their financial and sales savvy as they get older. Every girl will be different, but here you’ll find some examples of the abilities and opportunities for progression of girls at each grade level.

Girl Scout Daisies 
The group volunteer handles money, keeps financial records, and does all group budgeting.
Parents/guardians may decide they will contribute to the cost of activities.
Girls can participate in Girl Scout cookie activities and other council-sponsored product sales.
Daisies are always paired with a volunteer when selling anything. Girls do the asking and deliver the product, but volunteers handle the money and keep the girls secure.
Girls should be given the opportunity to practice identifying money and counting back change with an adult during each transaction.
Girl Scout Brownies
The group volunteer handles money, keeps financial records, and shares some of the group-budgeting responsibilities.
Girls discuss the cost of activities (supplies, fees, transportation, rentals, and so on) with guidance from their volunteer(s).
Girls set goals for and participate in council-sponsored product sales.
Girls may decide to pay dues to contribute to the cost of activities.
Girl Scout Juniors 
The group volunteer retains overall responsibility for long-term budgeting and record-keeping, but shares or delegates all other financial responsibilities.
Girls set goals for and participate in council-sponsored product sales.
Girls decide on group dues, if any. Dues are collected by girls and recorded by a group treasurer (selected by the girls).
Girls budget for the short-term needs of the group, on the basis of plans and income from the group dues.
Girls budget for more long-term activities, such as overnight trips, group camping, and special events. 
Girls budget for Take Action projects, including the Girl Scout Bronze Award, if they are pursuing it.
Girl Scout Cadettes, Seniors, and Ambassadors 
Girls estimate costs based on plans.
Girls determine the amount of group dues (if any) and the scope of money-earning projects.
Girls set goals for and participate in council-sponsored product sales.
Girls carry out budgeting, planning, and group money-earning projects.
Girls budget for extended travel, Take Action projects, and leadership projects.
Girls may be involved in seeking donations for Take Action projects, with council approval.
Girls keep their own financial records and give reports to parents and group volunteers.
Girls budget for Take Action projects, including the Girl Scout Silver or Gold Awards, if they are pursuing them.
Working with Sponsors and Other Organizations

Every girl deserves an empowering leadership experience like Girl Scouts and local sponsors can help councils make that vision a reality. Community organizations, businesses, religious organizations, and individuals may be sponsors and may provide group meeting places, volunteer their time, offer in-kind donations, provide activity materials, or loan equipment. Encourage your girls to celebrate a sponsor’s contribution to the troop by sending thank-you cards, inviting the sponsor to a meeting or ceremony, or working together on a Take Action project.

For information on working with a sponsor, consult your council; they can give you guidance on the availability of sponsors, recruiting guidelines, and any council policies or practices that must be followed. Your council may already have relationships with certain organizations, or may know of some reasons not to collaborate with certain organizations.

For members within GSCSA please remember the following:

Solicitation of funding and donations

    • Girls MAY NOT solicit funds under any circumstances.
    • Service units, troops, and adults acting on behalf of any Girl Scouts     group, cannot contact any organization, business, corporation with 50 or     more employees for monetary donation. In-kind donations may be     solicited from any business regardless of size. This includes gift cards     from grocery stores or other large retailers.
    • Girl Scouts, in their capacity as Girl Scouts, MAY NOT solicit or raise     funds for any other organization. This includes participating in, soliciting     donations for walk-a-thons or telethons, product sales parties such as     Tupperware, Pampered Chef, Mary Kay, or other similar home party     sales, the sale of commercial products or similar fundraising     opportunities. Girl Scouts may elect to support another organization     through Take Action or service projects that do not involve fundraising     and by making a donation from the troop treasury. Please note that     troops my participate in walk-a-thons, as long as they are not soliciting     donations for the sponsoring organization.
    • It is not within Girl Scout standards for girls or volunteers to sell tickets,     gift cards or coupons on behalf of another organization, business,     corporation, or foundation for financial support or in-kind donations.

Collaborating with Sponsors and Other Organizations

Girl Scout troop, individual girl, and service unit projects should be funded through approved money-earning activities and dues. Girls get the most out of their experience when they earn the resources necessary to reach their goals. Should additional resources be needed, funds and in-kind donations of goods and services may be solicited by adult volunteers.

When collaborating with a sponsor or organization, these guidelines must be followed.

    1. Volunteers (again, not girls!) are permitted to solicit from parents, and     local businesses. A local business is defined as a business whose primary     customer base is confined to the local area or neighborhood (i.e     physicians’ offices, houses of faith, bakeries, etc.) If service units, troops     or other individuals acting on behalf of Girl Scouts need clarification on     what constitutes a local business, please reach out to the GSCSA’s     Philanthropy Dept.
    2. When soliciting donations from a local source, you may be referred by that business to their regional, district or corporate office. Should this occur,     please stop and contact GSCSA’s Philanthropy Dept for guidance and     assistance. This is to ensure that no business is being solicited multiple     times in a year and that we remain in compliance with our 501C(3)     status, as defined by the Internal Revenue Services (IRS).
    3. Due to strict IRS reporting guidelines and standards, volunteers may     not apply for grant funding of any kind. Generally, a grant requires a     format application to be submitted. If you are requested to complete     more than a simple donation request form or submit an IRS Tax     Designation letter; please contact your GSCSA’s Philanthropy Dept.
    4. Please note that it is not within Girl Scout standards for girls or     volunteers to sell tickets, gift cards or coupons on behalf of another     organization, business, corporation, or foundation for financial support     or in-kind donations.
    5. Girl Scouts of the Southern Appalachians is supported by 11 area     United Ways. Each has different policies related to blackout     (non-    fundraising) periods which are recognized by GSCSA. Troops     planning fundraising or money-earning activities must coordinate with     the GSCSA’s Philanthropy Dept to ensure that the activity they are     planning does not fall in a specific United Way blackout period.

Troop/Service Unit Sponsorship

Sponsorship is a voluntary association between the Girl Scout council, a troop, a service unit, and a community organization or business whose aims and objectives for youth are compatible with Girl Scouting. Sponsorship implies a commitment to ensure troop the opportunities of Girl Scouting are open to all girls in a community, regardless of race, creed, religion, nationality, or socioeconomic factors.

Sponsors may offer to provide meeting places, help in recruiting volunteers, career exploration opportunities, goods and services for the benefit of the entire troop or service unit. Troops and service units receiving a sponsorship must follow the following guidelines:


    1. Troops may not solicit sponsorships from foundations, granting     organizations, government entities or any corporation with 50 or more       employees.
    2. Volunteer Service Grants and Matching Gifts from your employer are     considered grants to support Girl Scouts of the Southern Appalachians     as a 501C(3). Complete the Troop/Service Unit Sponsorship Agreement     form and submit to the GSCSA Philanthropy Dept. All monetary gifts,     regardless of amount MUST come through GSCSA so that the council     can provide an IRS letter for tax deduction. Upon receipt of the money, a     check will then be forwarded to the troop or service unit as requested by     the donor. Instructions for designation of the funds to a specific troop     MUST be included in the correspondence from the donor with the     check.
    3. All gifts-in-kind valued at $25 or more, i.e., materials, supplies, gift     cards, or services, must be accounted for on the Annual Troop Financial     Report.

If a business requests a letter for tax deductibility for a gift-in-kind, you must submit a Troop/Service Unit Sponsorship Agreement form to GSCSA’s Philanthropy Dept.

When collaborating with any other organization, keep these additional guidelines in mind: 

Avoid fundraising for other organizations: Girl Scouts are not allowed to solicit money on behalf of another organization when identifying ourselves as Girl Scouts (such as wearing a uniform, a sash or vest, official pins, and so on). This includes participating in a walkathon or telethon while in uniform. However, you and your group can support another organization through take-action projects. Girl Scouts as individuals are able to participate in whatever events they choose, as long as they’re not wearing anything that officially identifies them as “Girl Scouts.” 

Steer clear of political fundraisers: When in an official Girl Scout capacity or in any way identifying yourselves as Girl Scouts, your group may not participate (directly or indirectly) in any political campaign or work on behalf of or in opposition to a candidate for public office. Letter-writing campaigns are not allowed, nor is participating in a political rally, circulating a petition, or carrying a political banner. 

Be respectful when collaborating with religious organizations: Girl Scout groups must respect the opinions and practices of religious partners, but no girl should be required to take part in any religious observance or practice of the sponsoring group. 

Avoid selling or endorsing commercial products: “Commercial products” is any product sold at a retail location. Since 1939, girls and volunteers have not been allowed to endorse, provide a testimonial for, or sell such products.