"A penny is a very small matter, yet the comfort of thousands of families depends upon the proper spending and saving of pennies. If a man allows the little pennies, the results of his hard work, to slip out of his fingers -- some to the beershop, some this way and that -- he will find that his life is little raised above one of mere animal drudgery. On the other hand, if he take care of the pennies -- putting some weekly into a benefit society or an insurance fund, others into a saving's bank, and confiding the rest to his wife to be carefully laid out, with a view to the comfortable maintenance and education of his family; he will soon find that this attention to small matters, will abundantly repay him, in increasing means, growing comfort at home and a mind comparatively free from fears as to the future. And if a working man have a high ambition and posses richness in spirit, -- a kind of wealth which far transcends all mere worldly possessions -- he may not only help himself, but be a profitable helper of others in his path through life."
So here is a practical idea for instilling this habit into your children; tell them that each time they find a penny you will double it, or it may be if you are able, you will give them a nickel for each penny that they find. In our world, there are many that will not stoop to pick up a penny. Let that slothfulness be your children's means to saving.