What do you teach pre-teens?  Pre-teens are older and they are getting a sense of money and what money can purchase.  The Lord through the prophet Joseph Smith said:
“Behold, ye are little children and ye cannot bear all things now; ye must grow in grace and in the knowledge of the truth.” (D&C 50:40)  How do you grow in “grace and in the knowledge of the truth?”  Here are a few ideas.

From a gospel perspective, we should teach pre-teens:

• Teach them that all things come from God and that everything is the Lord’s
• Teach them that we are stewards over everything we have, and
• Teach them to always pay the Lord first.

At the same time, you should also teach them:

• Teach them to save, to pay themselves second,
• Teach them discipline and frugality, and
• Teach them that there are a lot of things more important than money.