Almost all children here in Sweden have already savings account on their name. Mostly by their parents or like Laikka she have two accounts, one opened and given during her church dedication by her godparent (my aunt) and its us parents putting up money every month for her. And the second one, from her grandmother (father side) saving everymonth for her! All of these can she (laikka) get/withdraw when she will be 18yrs. old! But this kind of savings they don't understand yet! So, I'm teaching my girl to save my way, hehe like when I was still a child..the piggy bank:)Empty bottles and cans here are quite money already. Since, we are fond of drinking softdrinks, we always have plenty of empty bottles in one month. So we will bring it to the store and pant it! Every bottle costs 4crowns so its already something! And sometimes when there's a party I will collect the empty bottles also and bring it back to the store then let Laikka put every coin paid from those bottles and cans to her pink piggy bank:) She think its fun and she's so proud about it! In this way she knows she has money and she's the one saving!
Good luck my little girl and have fun!