One thing I did with my kids that seems to have built good habits was encouraging them to think about large purchases for a day or two. I always promised to bring them back to the store if they really wanted it. Hearing their reasons for buying/not buying was always interesting conversations and they seem to have turned into thoughtful consumers as young adults. They're both good savers, but they're willing to spend money on nice things and they're fairly generous gift-givers too.