2. Our home environment

• make your home a place that your children want to come back to, where:
• they are free to be individuals not in a straightjacket of conformity
• there are boundaries but not legalism
• there is discipline but not authoritarianism
• there is more encouragement than criticism
• there is plenty of fun and laughter
• there is more gratitude than complaining and blaming
• there are apologies and forgiveness and the opportunity for fresh starts
• faith is more easily caught than taught
  • children initially form their picture of God from the way their parents treat them show unconditional love

3. Involving other people

• the wider family
• other role models

4. Passing on our values about money

• pressures on children and parents from advertising and the celebrity culture
• give them choices with money – choosing how much to save, spend, and give away
• teach generosity, good management, and honesty
• help them learn the value of experiencing delayed gratification
• model a healthy attitude towards possessions

Complete the attached worksheet.