Good Morning fellow mother of 4!!! (I am also a SAHM with a 10, 7, 4 and 10 month old! I think I could also call myself "artistic, scattered, creative, cluttered, prayerful and forgetful... but I AM a morning person :-)
How we have things running in our home in regards to chores and allowance.. they are 2 separate issues.
Allowance in our home is strictly practice and training for our children to learn how to handle money. When our kids start school they receive $3 dollars a week. We encourage them to give the first 10% to God in the form of a tithe. (This also gives us an opportunity to show them and talk about how everything belongs to God, and that when we give him at least the minimum that He asks for in His Bible (10%) it allows Him to bless the remaining 90% and make it go farther than if we had kept it all to ourselves.) Now the reason we start off with $3 in school is that my kids like to occasionally buy lunches at school. And they would love to have us pay for them everyday if we would. So they can use their allowance to buy lunch one time a week, or they can make their lunches everyday and save the money to buy other things they might want. It is so wonderful to have them go to the store with me and when they ask "Mom can I get...." all I have to ask is "Did you bring your money?" and now I have done it so much that they know.. and they don't even ask me any more! They either bring their money or they don't ask.
They get $3 up through 3 grade and then after that they get a dollar for what grade they are in. (So this year my son is in 5th grade and he gets $5 a week.) Occasionally we give extra money to the kids for extra big projects (washing screens and windows).. but not very often!
Now for chores, the kids have their morning chores that they have to have done before 8:30 am on school days and 9am on non-school days. This includes: make your bed, brush teeth & hair, get dressed, put PJ's away, have breakfast, clean up your breakfast. I started this routine 2 years ago. As a consequence for not getting it done in time.. every minute past the time equalled 30 minutes earlier that they had to go to bed that night.
Then 6 months ago i was getting frustrated at the way the other chores were not being done. A wonderful friend pointed out to me that when I ask my children to "clean their room".. it is to overwhelming and confusing about what they need to do. So we have implemented the "stick technique". We broke down into smaller jobs what it takes to clean a room and wrote them on large popcycle sticks. So take for instance "clean the bathroom". Instead of telling one of the kids to do that, I made sticks with the jobs of :spray and wipe the mirror, spray and wipe the bathroom counters, put cleaner in and scrub the toilets, empty the bathroom garbage, shake the bathroom rugs, mop the bathroom floors. And then I did that for all of the room in the house. Now every morning each child has to draw 3 sticks and that is their chores for the day. I also threw in 3 sticks that say "free" (meaning they don't have to do one chore) just for fun! If when it is time to draw the sticks my child has a bad attitude about their chores.. I remind them how we are blessed to have this home to live in and that it is all our jobs to take care of it, and since they don't seem thankful they need more practice taking care of the house and have to draw more sticks. (And I say it with absolute calmness and seriousness!! No matter how upset and "fit throwing" they are!!) Also the kids are not allowed to do any of their "want tos" (like TV, games, computer, play with neighborhood friends, bikes) until their "have tos" (work and chores) are done!!
This is what we do and it works for us. I must caution you though... when I started these new routines in our home my oldest was always the most resistant and stubborn to doing them. Probably because he hadn't had to do them the longest time, and he thought this was just a "new thing that mom was going to try" and if he made it miserable for me.. I would drop it. So staying very consistant in doing them and bringing about consequences was very important to creating a new routine together. The 4 year old started asking for his sticks.. even before I was going to have him start helping out!!
Best of luck. Just try and find something you and the kids can succeed and do well together, something that fits your style and you can monitor consistantly. Because if kids think that they can get away with not doing something.. they definately think it's worth the effort!!
Best of Luck!!
Peace,
B.
P.S. And if you are a Christian, don't forget to pray!!