At the moment we are using coins to help DD1 behave a bit better. She was the same at the shops, always demanding toys and we just struggled to get through to her that we did not have the money to buy her one every time.

So now at the end of the day we go though all the things she has done, set the table, played nicely with her little sister etc, was good for mummy. She will get a coin for each thing, but she will also lose a coin for back chatting etc. It seems to have helped, she is not so demanding at the shops and will often just go and look at the item she is saving for. We do help her out to buy the toy that she wants.

I suppose we are using coins a bit like a sticker chart. At some point we will graduate to proper pocket money.