Learning Time

At bedtime for the last couple of weeks we have been reading Dave Ramsey's Children's Series on financial planning. I know what your thinking... BUT can we really start too young teaching our children to be responsible with money. Anyways... Most of the books focus around the importance of designating earned money into "GIVE," "Save," and "Spend" envelopes. DH developed a chore chart a couple of weeks ago for Colby to earn a few nickles and dimes for helping out around the house. Were talking $0.05 for making his bed; $0.05 for making sure toys are in the toy box; and $0.10 for playing with Cohen in the bathtub at bath time.

Anyways... today I am planning on helping Colby make "Give, Save, and Spend" envelopes and we will go ahead and divvy up his earnings into the appropriate envelopes.

For Cohen, we continue to work on body parts and learning how to talk. He is quite confident with his belly button and facial features but just refuses to say a word! There is NO doubt he knows what we are talking about because he can follow commands. He just seems to have no interest in trying to communicate back, other then pointing and grunting. We have been spending a lot more time reading books and purposefully describing all actions and things to him- but so far no change! I would love any tips you have to offer!