I'm not usually a big fan of Larry Burkette's stuff but we bought his bank for my DD when she was 3 and started giving her a weekly allowance of $1/year of age. It is a bank that looks like a city block. It has a church, a bank and a store and you split out the money between the three categories. Since it had 3 buildings and she had 3 dollars we started out spliting the money 1 dollar to each category. As she got older and her "income" increased she could choose to put more than that but always 1 dollar to each category. The rest she often spent and we have found that she spends the "store" money not on herself (that's what she spends the money she keeps out on) but for gifts for family and friends at Christmas and other holidays. Any Christian bookstore would have the bank and I think
www.christianbook.com online has it too.