Monday or Tuesday, I'll go to my bank and get MasterCard debit cards for my grandchildren in the amount of $10 each. Just last night, one of my grandsons commented that he had accumulated over $200 worth of cash and debit cards so far and was saving them for a musical instrument he wants. This kind of self-control in spending is rare in a 13 year old boy, so I admire him for that.
I could probably shop around town for gifts for girls to give to granddaughters, but I might never find exactly what they want. I'm not sure what the "now" thing is for them so they'll get the debit cards. I do know girls love to spend money when they have it, and they can get things they truly want this way.
I've pretty well got everything I want to get for my younger daughter. I still need to figure out something for my son Brandon. For the grown and on their own children, I'll give them MasterCard debit cards, too, though in higher amounts.