College Student Needs To Learn How To Budget

Hi mark

Y___ at college…

She entitled to £30.p/week as student, which goes into her bank account although at present isn't yet receiving as late application. X gives her money every week I just give her on daily basis as required to get to college and lunch when she runs out. X gives more than required for college so she uses for going out, rubbish food, clothes (you name it). She has stolen quite substantial sums of money from myself and x without consistent consequences in the past, im quite observant and careful so have received it back if caught before spending but x isn't aware half the time and leaves money around for easy picking, she has been sacked or walked out on p/t jobs, and is determined not to work as she knows that she owes a lot of money to various folk. When she committed these mentioned acts I said she needs to pay us all back.

On assignment 1 put into place chores, so should I start paying for these? But she has been reasonably good, as I comment on her helpful acts, but admittedly, not always.
Not sure how to go about grant money. Because she abuses money and uses for her needs.... has not learnt self-reliance.

K.

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You will want to follow the recommendations in “The Art of Saying Yes” and in “The Art of Saying No”.

Bottom line: This is a golden opportunity for your daughter to learn how to budget. The basics of budgeting are the same for students as they are for anybody else: list the sources of income, such as savings from summer jobs, financial support from parents, financial aid from the school, scholarships, and income from a job. Then list expenses, such as tuition, books, groceries, gas, entertainment, etc., in as much detail as possible. Make a budget worksheet.

If expenses are less than income, she’s in good shape as long as she sticks to a spending plan. If expenses are MORE than income, she needs to find ways to cut spending or increase your income.

Throwing money at her will NOT teach budgeting – and a college degree is no guarantee of an ability to manage money wisely. It takes effort and discipline, and the time to start is now. So keep this larger goal of “teaching her how to budget” in the back of your mind.

Mark

Online Parent Support

Teacher Picking On Student?

Mark, I am into the second week of the program and have made some progress with my son. However, he has a teacher that seems to have the ability to reverse in one 45 minute class period what took me 3 days to accomplish. It frustrates the hell out of me. About a month ago my son had a hernia repair operation and missed one week of school to recover. That seems to be where things started to break down. She failed to send his assignments like the other teachers did and gave him zeros on the assignments he missed. I have lodged several complaints with the school about this. In short, there seems to be constant tension between the two. She calls me almost daily complaining about misbehavior in her class and sends him to the principal's office. Here are some of the "offenses" he has committed that results in him getting put on detention. "He rolled his eyes at me." "He gave me a funny look." "He wouldn't answer a question when called on."

Mark, he has no problems with any of his other teachers and is doing quite well in his other classes. I believe he feels like he is getting picked on by her and singled out. I have asked the school to move him to another class. However, they so far have refused. I certainly don't want his problems in her class to affect his other classes and desperately am trying to find a solution. He is very upset about this class. Any suggestions? Thanks, R.

Click here for my response...

He threw me against the wall and then threatened to kill me in my sleep...

Hi V.,

==> I've responded throughout your email below:

Hi Mark,

The new rules worked for a couple of days. K didn't sleep after school, did his homework and showed it to me and got off the internet on time. This was nothing short of a miracle, and showed me yet again, how the program really changes behaviour.

Then he breached the internet limit time (I did give him a couple of reminders, so he did this on purpose). Consequence = lost internet access for 24 hrs. Then he wouldn't show me his homework - so his phone has been disabled for 24 hrs.

==> Ooops! Not a good move. This is the beginning of a power struggle.

Whenever a child introduces new problems on top of an existing one, parents should put the new problem in the "deal-with-it-later" file. Please review Q & A - On Discipline [under "The Art of Saying No" - Session #2 - online version of eBook].

Anyway, I am sticking to the rules, and he tried all sorts of things to get me to change my mind (swearing, screaming, saying it was life or death if he couldn't access the internet - mind you, he couldn't explain why). I remained calm and explained he chose to breach the rules, therefore he chose the consequences.

In the end, he stood in my way and when I tried to go past him, he threw me against the wall and then threatened to kill me in my sleep. I calmly told him his bullying will not work, and that he has now lost the phone for 48 hrs for threatening me.

My question is this: do I go to the police to report him? Or do I warn him I will do that if he is violent again?

==> Warn one time, then follow through with calling the police if it happens again. The cops can't do much, but you don't want to model for your son that it is O.K. to engage in domestic battery (which IS illegal).

(He physically shoved me just when I started this program, and he had his phone taken.)

I don't want to give him attention for his bad behaviour, or look scared, like I need police protection.

==> Good move!

If the police start to get involved, he will get a caution I guess, but not much more given he is 15 yrs. He is likely to be scared initially but then his bravado might increase when he realises that they can't do much to him.

Is he more likely to give up this behaviour with consequences that I impose (clearly the phone disabling and internet being cut off is very painful for him), or by involving the law?

==> Stick with your consequences (and use the deal-with-it-later file), but also involve authorities when your son becomes violent.

I would appreciate your advice, and thank you for your support thus far, it has been invaluable in giving me the strength to keep going.

Vicky

==> You're welcome.

Mark

Online Parent Support