Adult child out of hand
10 years ago
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- 10 years agolast modified: 10 years ago
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Adult child and loans
Comments (19)The best gift you can give her now is help with monetary planning and goal setting. Give her a copy of Dave Ramsey's book Total Money Makeover or find a group nearby that offers Financial Peace. Help her understand the time value of money. A big wakeup call for our daughter was when I had her take a spreadsheet and plot out where her money had gone the previous months (this was during high school) and then we looked at how much each trip to the discount store (ie Target, Walmart) was costing her and how that money could have worked differently or grown had she saved it over time. Our daughter now lives by spreadsheets. Have her work to save up the money or get the loan in her name alone. It's doubtful she can get a loan if she has no assets and a poor track record, but welcome to the real world. If she does get a loan, have her pay a small amount in rent or make plans w/ a deadline to move out. Can you sit down with her to set some short term and long term goals using a SMART worksheet: specific, measurable, achievable, realistic and timed. Do a Google search using the words: smart goal template. If she's somehow able to get an outside loan for courses, you could set aside funds (don't tell her) and once she gets her life in order, completes her education and has held a job for several years and pays her bills you might consider a gift of paying off part of her loan as a means of rewarding good behavior....See MoreChild / Adult Identification Kit - Make at home
Comments (1)When my kids were small, and when we'd have their friends with us, I'd take a polaroid and a complete description of them with us when we'd go places. It was helpful once when we misplaced a kid at Disneyland (found him moments later). It's too bad that we have a need for such things as a child/adult ID kit, but it's better to be safe than sorry....See MoreAdult-ish Child, First Job and Apartment
Comments (39)gibby3000: "I sound like an "old" person talking about how we walked five miles to school in a blizzard...." - and uphill both ways, as my dad used to say. It might have something to do with the way our parents were raised, at least mine. My parents were born in 1929, the beginning of the depression and then were 16 when WW II ended. Times were tough and so many kids had to work to help support the family. They probably expected their own children (us) to do the same. They expected their own children to get out and make their own way. There is an adage (how true it is I don;t know) that one parents differently than they were parented. My parents gave me 6 months from university grad to get out of the house and basically to never bother them again. When grandkids started to come along they moved out of the city so they couldn't be babysitters. As an adult I do not have a close relationship with my parents. As an aside - Schooling is more expensive, at least here it is. Tuition and books have gone up by more than 10X since I was in university but minimum wages have definitely not gone up to keep pace and have only gone up 5X as much, grants are not as readily available for financial assistance. I just can't treat my kids the way I was treated. For me, it isn't a matter of spoiling them or not letting them grow up, it's more a matter of showing them that families are a life long family unit and commitment. It's showing them that our lives are forever intertwined, not in a stifling overbearing way, but in a supportive way. I was not raised this way. That is to say that the way I was raised wasn't wrong but it isn't the way that I will raise my children. Slightly OT - I've already told my 2 sons that when their dad and I die that they are, along with future wives and kids (if that happens) each others families. When I mentioned that to them, it was at a time when they weren't getting along very well, they looked at each other quite surprised. Since then, I have seen a change in them in that they accept each others differences but at the same time have each others back and have begun to like each other....See MoreAdult child marriage problems
Comments (18)Latest on our family saga: son has stopped one credit card that she had -- wasn't in her name, but she apparently had taken it and was able to use it. He has turned off internet connection, cable, and phones. A worrisome event was when her daughter started screaming at our 8 yr old granddaughter: "Your daddy is an Axx Hxxx...aren't you real proud of him now?" And the mother chimed in more obscenities. Our son immediately took our granddaughter back to her mother. She also called the police to make he didn't evict her. I'm doing a bit of checking on her, not sure what it will prove, other than if something turns up that shows she's done something like this before. She has lied about so many things -- it's just incredible. We were told the daughter was a straight A student, and was going to graduate ahead of her classmates. Intially she was quiet, but pleasant, so I overlooked the other things. Now we found out she hasn't even been in school full time for 2 years. She should be a junior, but doesn't even have enough credits to be classified as a sophmore. Her mother played a game with the school districts -- telling the one she should have gone to, that they moved, and she was enrolled in a different school. Guess they all fell for it. Yes, she used the word "hate" in reference to her feelings about family and former friends. Also told me her sister is a "psycho" -- maybe it runs in the family. Flower, thanks for the advice about NAMI. I will give them a call, and let you know what they say. Unfortunately our son lives 1000 miles from any other family, so we aren't close by, but have told him we will get on a plane whenever he needs us. I am a prayerful person, and lots of prayers are being said this week....See More- 10 years ago
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