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WDYT?
I'm just curious what you ladies think about this...
DH and i have talked about having kids in the future and what we want to teach them. And one thing that came up was money. I feel that i wasn't really 'taught' anything about money by my parents and i don't want that to happen to my kids! An idea i had was that any time they (the kids) received money -be it from a holiday, allowance, job as a teenager- that a percentage should go to;
-savings, for their future
-themselves, to spend how they see fit
-to charity, to learn about giving and that life isn't all about money
This is also something that i would love for DH and i to do, but we just can't right now (i know...i'm such a hypocrite... 
)
Anyways...what about doing this for other kids, ie, nieces and nephews? Like, we're going to our niece's bday party tomorrow and in the craziness of the week, we haven't gotten her a gift yet, so we'll probably have to resort to giving her some money. Is it alright for us to leave notes on it saying '$5 for you', '$5 for savings', $5 for charity'...? I don't want to impose on any lessons that my BIL/SIL are imparting to their kids...
Thoughts? 
Re: WDYT?
I was a big saver when I was a kid so let me tell you how I got into it - my parents never "designated" where my money would go, but I knew that money I got for birthdays or big evnets like my communion was not for spending, it was for saving for big things like college (most family members would buy me bonds anyway, so that all went away). My allowance was for "spending", as well as any money I earned doing extra chores (my mom had a chart and each chore that was not my "regualar" chore had a monetory value - the harder it was the more $ I got). So, I would end up saving my allowance and chore money myself so that I could buy bigger things - when I was 11 I saved up $300 over a year and bought my parents a VCR for Christmas! (funny how expensive they were then....).
All of this made me very entrepreneurial and my friends and I used to have lemonade stands and garage sales constantly in the summers and make a killing off of them. That money went into my "spend or save for big purchases" fund too.
Then I had a piggy bank that I would save for "charity" - any money I found on the sidewalk went in there :-) Ok, it wasn't a lot but at least I was thinking about it!
So, I'm not sure that designated your gift for your niece would go over too well if she does not have any structure in place by her parents already - teaching a child good money habits takes their whole childhood! But if you don't want her to spend it, and you want her to save it for the future, you could get her a bond (just don't expect her to appreciate it now - she will in the future but when I was little I hated getting bonds!)
This is what I'd do also. A bond a gift card to a store you know she'd shop in. I have to be honest, we haven't even really discussed how we're going to educate Sasha (and any future children) about money, so you're way ahead of us. We never ever got money as gifts when we were little, not until we moved to the States and it's still a little weird to me sometimes. So my parents didn't really teach us about money, and we didn't have any money of our own, we'd ask our parents for money if we wanted to go somewhere/buy something. I really like your idea of not necessarily telling kids how to divide the money, but encouraging them. As for the charity, we've decided that when S gets toys/presents for her birthdays and other holidays, we're going to either donate some of them or when she's older, go to the store and pick something out to donate with her.
Bubblegum Explosion