We try to teach our DD about spending within budget now, had a few cards and stuff in the past but got on top of it all. She gets pocket money and if she wants to buy something specific it has to come within the pocket money amount. Quite often it does, but of course there is still usually a little sulk if she hasn't quite got enough. Doesn't harm the kids to say no every now and then.
Bless her she came out of school week before last with the letter for years 5/6 saying about school residential trip next year, they only do them every two years and this is her last year. So she said, I know I probably can't go because of Daddy's job........but the teacher says we can pay a little at a time, I answered that was probably what we would do. She flung herself into my arms saying thank you, thank you, when she pulled back she had tears in her eyes.......she knew we prob couldn't afford and had already resigned herself to not going. So proud ofher for thinking about it.
If I have to scrimp every penny I am gonna make sure she gets to go, its a once in a lifetime opportunity forher.