How much does your teen pay for?

Michelle - posted on 06/23/2013 ( 9 moms have responded )

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My Daughter has started a job this summer and has started driving. We are struggling with what to make her pay for? Gas, insurance? We want her to learn responsibility but also dont want to make it too much. My husband paid for EVERYTHING starting at 16 and I was fortunate to have my parents pay for everything for me. Not sure who was better off. He spends more now and I save more:)

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Denikka - posted on 06/23/2013

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I would say that if the car is entirely hers, she can pay for insurance and gas. If you also use the vehicle, I would say a portion of insurance and a portion of gas.

It would really depend on how much she's making and how much the use of the vehicle costs, not to mention how much she's using it. If the car is a gas guzzler, and she ONLY uses it to get to and from work, I would expect a much smaller portion than if she was using it all the time, etc.

As for other things, I would say in general, my idea is that the necessities are up to the parents to provide. Food, basic clothing, a roof, basic school supplies, etc.The extras can be paid for by her. If you would usually spend a certain amount on a new school wardrobe and she wants higher class/more expensive stuff, then split the difference. You pay what you normally would, she pays the rest. Same with food, activities, etc. You continue what you would normally pay out, and any extra that she wants, she can pay for by herself :)

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Darlene - posted on 08/07/2013

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I totally agree with Denikka's comment. My daughter is going through the same thing, My insurance company is charging around $150 just for her so the agreement we have is that she pays half of that each month and for the gas so she can get to work and any extra running around she wants to do, School clothes I spend about $200 so I give her that and tell her she has to buy at least 4 outfits and a pair of shoes and if it totals anything over that then it's on her, cell phones are a privilege not a necessity cause I didn't need one growing up so that's on her also. She's also wanting her own car but we are not rich and having 4 children it is hard to buy all the kids a brand new car when they want one and I grew up learning when you pay for something yourself you lean to appreciate it more so my daughter opened up her own savings account and is saving her money up with the agreement that we would match anything she saved at tax time so she can get a car. Growing up is about responsibility, appreciation, learning and compromise. Good luck!!

Momoffour - posted on 08/01/2013

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when I was growing up my parent bought me my first car and i had to pay for the gas and 1/3 of the insurance they would pay for my clothes and my school items if i wanted to go out with my friends or wanted then I paid for it and i was in band so if they went on trips like to florida then they would pay for that but i would have to take my own spending money.

Jodi - posted on 06/29/2013

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My son has a part time job. He isn't driving yet but he catches buses. He contributes to his bus pass (but not to the cost of the times I run him around), he pays for his phone credit, he pays for movies, etc. If he goes out on his own or with friends, he buys his own meals. I provide him with the necessities when it comes to clothes. But if he wants that $200 pair of football boots and I'm prepared to buy the $60 pair, then he gets to pay the difference ;) He often buys his own clothes now. I've just started putting money in his account twice a year to cover what I think his clothing allowance should be to cover the necessities with instructions of what he must purchase. If he overspends it, that's his choice - he will want the one with the brand name ;\

Danielle Elizabeth - posted on 06/29/2013

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I wouldn't be concerned with exactly how much she is paying but as long as she is putting effort into paying something and appreciates the things you do pay for then I'd say she's doing good . I remember how hard it was for me to go to school and work when I was in high school. My parents couldn't afford to help me with extra things and I feel the added stress of worrying if my insurance would be paid every month and if I could afford gas or not was a lot for me to handle. Let her learn about responsibility but without it being too overwhelming. She will have her whole life to worry about these things. I have a younger sister and my parents are way more financially stable now then when I was young. They expect her to put effort into being responsible but if she needs some extra help at the end of the month then they have no problem pitching in to help cover expenses . I remember going to work with the flu bc i literally couldn't afford to miss a day of work. I don't think a kid needs to worry about these things especially if the parents can afford to help. I feel I had to grow up too fast and wish I could have had less worries for that short period of life that should be pretty care free

Shelley - posted on 06/25/2013

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Living is really expensive now, also depending on where you live. Teenagers during the school year can't work more than a certain amount of hours, so it's likely they won't be able to pay for everything. But if it's extra things that they don't have to do, they should be paying for it. Insurance, depending on how much it is, they should be paying for at least part of it.

Shawnn - posted on 06/24/2013

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I bought gas for school or family errands when mine started driving. Once he had a job, all of his "personal" expenses (eating out, movies, etc) and gas for such are his responsibility.

I pay for insurance, until they get a ticket. Then they pay me to keep them on my policy. All school expenses are the parent's responsibility, IMO.

Basically, I looked at it as "necessary" vs "wanted". I paid for necessary, they pay for wants

Enna - posted on 06/24/2013

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My daughter's only 13, so we haven't gone through this, but when I was a teenager, I put gas in it when I used it (or when I got paid), and I paid my insurance. I came from a single parent family, so I used my money for stuff I wanted or needed. Sometimes I bought stuff like food for around the house. Not much fun, but it did teach me responsibility.

Kristi - posted on 06/24/2013

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Copy and paste Denikka's comment. That is exactly what my parents did with me and my siblings and I have started doing with my daughter on a smaller level as she will only soon be 14 and earns money pet-sitting and now, babysitting. She saves her money. If she wants something she doesn't NEED and I can't afford, she can choose to spend her own money on it. She's learning about instant gratification vs. good things come to those who wait and it's been very interesting to watch thus far. ; )

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