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FROM 'HAVE A PET' TO 'PLACE A BET'
Top 10 list of things to do before your child is five

One of the top things to do before your child reaches five is getting them a pet to care for, according to a new 'top 10'. The list has been compiled by leading children's savings specialist, The Children's Mutual, and child development expert, Dr Pat Spungin.

The Children's Mutual and Dr Spungin have worked together to create a list of stimulating and fun activities that every parent or carer should try to do before their child reaches five. The full list from owning a pet for your child, to placing a bet that they will win Wimbledon, is detailed below:

1. Get A Pet
Owning a pet is great for a child on many levels - it teaches them responsibility and as Dr Spungin says: "A pet is a friend to a child and one which will always understand and love them." Research has shown that having regular contact with an animal can help a child to learn teamwork and improve self-esteem. Pets also provide practical opportunities to develop and extend communication and relationship-building skills1.

2. Teach Your Baby To Swim
The earlier you teach your child to swim, the easier they'll find it. It will also offer peace of mind for you on holiday and is good exercise for all the family. Dr Spungin says: "Swimming is an activity you are never too old or too young to do and the whole family can do it together. Make exercise part of your child's life from the beginning to help them to be more healthy and active throughout life." Research also suggests that if a baby is taken swimming before the age of one, by three most should be able to swim unaided2.

3. Hold A Memory Forever
Arrange a professional photo shoot to produce some lovely pictures of your child and give them to your nearest and dearest. They grow up so quickly and it is well worth creating a permanent memento to keep on display.

4. Look After All Your Relationships
Take at least one night off a month from your child and spend time with your partner, friends or family. Dr Spungin says: "Happy families mean happy babies - dads can feel 'left out' at this time. It's important to look after ALL your relationships and to make time for friends and family beyond your relationship with your child."

5. Start A Children's Savings Plan
Saving for your child's future has now become a necessary consideration rather than a nicety. It is predicted that in 18 years time a deposit on a first home will cost around £24,1003, a wedding will cost around £21,8004, a first car around £9,3605 and a three year university course in the region of £44,0556 . By taking out a long-term savings plan and committing an amount to the plan each month, it can grow into a sizeable lump sum to help provide your child with a financial headstart into adulthood.

6. Explore Baby Food Cookery Couses
Learn to tailor your cooking for your child, be it on specific cookery courses or through exchanging recipes with friends and family. Dr Spungin says: "Cooking for your child can help to give them a healthy start, develop their taste for good food and avoid faddiness later. When introducing foods, offer variety, eat what the family eats and avoid mealtime battles."

7. Make A Friend From Another Country
Help your child to have made a friend from another country by the time they are five. This could be when you are on holiday, through friends or nursery. Encourage them to stay in touch. Dr Spungin says: "The world we live in is a global village. By helping your child to develop relationships outside the UK, you will encourage tolerance and open-mindedness - an acceptance of other people and cultures."

8. 'Manners Maketh The Man'
Teach your child manners. Dr Spungin says: "You do your child no favours by letting them think that the world revolves around them. At school the teacher will expect good manners. Making friends means showing consideration for others even at this young age and you will also feel the benefit."

9. Encourage Your Child's Imagination And Senses
Take them to visit a castle, museum, farm or the seaside. Help to create real experiences and broaden their mind. It provides a great opportunity to get out and about and create fond memories.

10. Place A Bet On Winning Wimbledon
Aim high for your child by placing a bet that they'll win Wimbledon in 2025 - William Hill will give normal odds of up to 5000-17 - it's an outside chance but could be one well worth making! Dr Spungin says: "Why not put a nominal £1 on the fact that your child will win Wimbledon or on another ambition you have for them? Have high aspirations for your children and they are more likely to succeed."

David Halliday, The Children's Mutual Marketing Director, said: "We all know that the early years of a child's life are hugely important in their development. By working with Dr Spungin, we have developed these activities as a top 10 guide for anyone with a child under five years of age. None of them demand huge amounts of time, however all could have a positive impact on a child's future - be it through building confidence, providing financial support or helping them to foster strong relationships."

Dr Pat Spungin is the founder of www.raisingkids.co.uk the UK's leading website for parents. She has worked as consultant editor to Understanding Your Family in the Time-Life MINDPOWER series and has written widely on family life. Her latest publication is The Parentalk Guide to Brothers and Sisters. Dr Spungin has lectured in Child Development at Middlesex University, and is married with three children of her own.