I use a behavior system that also teaches money skills. At the beginning of the year I have all students punch out their money from the back of their math book to go in our “bank.” Every morning two “bankers” pass out five pennies to each student. If a student breaks a rule, I don't need to lecture. I just collect a penny or two. The children get the message very quickly.
At the end of the day, the children trade in their pennies for nickels, dimes, or quarters. Once a week, they come to my “store” to purchase stickers, bookmarks, posters, etc. They may not use pennies to shop so they must learn money skills. The kids love it, and my class knows the value of a quarter. Parents donate some of the items for the store.