Six cut-out labels: Save, Spend and Give in a large size for jam jars and again smaller for tins, cups or envelopes. Each label has a blank circle for the percentage that jar takes, and the Save label has a line for what it is being saved for.
Setting them up
Cut out one set, write a percentage in each circle, and stick them on. Write the shares before the first payday rather than after — the entire mechanism is that the division is decided when nothing is in front of anyone, so it doesn’t have to be re-decided every time a child wants something.
Round the percentages so the child can do the sum in their head. A share they cannot calculate is a share you calculate for them, which quietly turns the whole thing into something done to them rather than by them.
Write the goal on the Save label in pencil. A jar saving for nothing in particular is the one that gets raided, and a jar with a named thing and a price on it is the one that doesn’t.
Running it
Divide the money the moment it arrives, at the table, before anybody gets up. That is the whole routine. Saving whatever is left over fails for children for exactly the reason it fails for adults, and doing the split first is the only arrangement that reliably works.
Keep the Spend jar genuinely unsupervised — it is the jar every useful lesson actually happens in. If it is too thin to buy anything, the percentages are wrong and the Spend share should go up, not the allowance.
Empty the Give jar on a schedule, once a term or so, to something the child picked. A give jar with no emptying date fills up and becomes a third savings pot.
Printing them
A4 and US Letter files are both here. Print at 100% so the large labels still fit a standard jam jar, and use the heaviest paper your printer takes — labels get handled and go soft.
Clear tape right over the label, or a laminate pouch trimmed to size, will survive being wiped. Glass jars are worth the small trouble: the thing that does the teaching is watching a pile stop growing, which an opaque tin hides completely.