How old should your child be when they start paying their own car insurance, cell bill and birth control?

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Debbie - posted on 04/20/2009

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I will not allow my children to have cell phones or get their licenses until they can pay for them themselves. They are 17 and 14. Neither have cell phones and my son is getting a summer job to save for car insurance so he can get his license. As for birth control, unless you want an unplanned pregnancy for your teen, I would pay for it! But, only until they had a job and could pay for it themselves.

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Tiena - posted on 04/21/2009

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immediately if they cant afford there own insurance they cant afford a car, hard i no but they will thank you for it/

Karen - posted on 04/21/2009

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When I was old enough to drive I had to buy my own car and pay my own insurance. When I bought my own need or wants I had a greater appreciation for then. I feel the kids theses day should do the same as we did so they learn the same value of things. And birth control I paid for my own on that to, but my parents never knew I was on it. In the end the men I was with did not have a appreciation for me that I gave my self up for. Now I think not having sex till marriage is better. I know saing that now is easier said then done. It is all supose to be a real love, not a good liking on someone.

Cheryl - posted on 04/20/2009

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I definitly agree with Debra Salatin, I would pay for the birth control until they reached 18 or maybe even until they finished college. I would rather see my child get the education he/she needs than to become a parent at an early age and have that education get put off or never get completed. As for the car insurance if the child is old enough to drive they should at least contribute to paying towards the insurance. I feel it will also make them more cautious with their driving. As for the cell phone...it's all on them if they really have to have one it should be their responsibility to pay for it.

Carol - posted on 04/20/2009

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While my daughter is in school, making good grades and following phone rules we pay for everything. She jsus has to worry about her studies. When she gets out of school and leaves home it's all her's then. God has blessed us with a very caring and mature young lady who strives to do Gods will and we are happy that we have a child that gives us no worries or troubles. Prayer is key to every happy household.

Bonnie - posted on 04/20/2009

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From the day they want them. If they are old enough to get a car they are old enough to pay for it and their insurance. Cell bills should only ever be prepaid with an absolute limit of funds until they get their own income. Mine got credit for the prepaid phones in leiu of pocket money earned. If they are sexually active or intending to be then they would also need to consider how exactly they are going to take responsibility for any consequences that may surface from those choice. Sex is a choice, so is having a job, so it contraception. My daughters from the minute they had part time jobs and finishing high school were paying for it all themselves and I now have two very self empowered daughters

Lana - posted on 04/20/2009

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My 19 year old got her Trac phone when she graduated from High School as a graduation present since she was going 2000 miles away from college. We paid for some of her minutes but she pays for the majority of them. The car insurance I pay but that is because she is not home for most of the year- she comes home at the end of May and stays until August and 2 weeks in December. But I keep her on the insurance so when she buys her own car she has a history for insurance. This year she will be home for 6 weeks and gone until November for 2 months. and she is hoping to be able to wor so she can pay towards the insurance. Birth Control she can get her own. She knows what happens with unprotected sex her sister has 2 kids and her college has a free clinic also the Health Department is right up the street.
My son has no want to drive and he has a trac fone too. He pays for his own minutes and all our phones have double minute cards on them.

Cathy - posted on 04/19/2009

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I have three girls, 23, 20 and 16. Liz, my 23 yr old, lives on her own and pays all her own bills. However, when she was at home, she ran up a big cell phone bill, I paid it off and told her she is on her own with a cell phone. My 20 yr. old lives in Georgia, works and pays her own bills. My 16 yr. old lives at home and goes to High School, she just got a little job and pays some of her way. She has a pay as you go phone, which I help her with. As far as birth control, I would pay for it because i don't want the alternative.

Anne - posted on 04/17/2009

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I am paying for all three as long as my child is a full time college student and on the path to graduate. I will probably continue to pay or at least help through graduate school. I want my daughter to focus on school, not earning money. She already has 3 jobs besides going to school full time and makes her own car payment, buys her own clothes, and pays for her own gas. I think that is a pretty big load. I put my daughter on birth control because of her periods. It has helped them tremendously. I know they helped me. It doesn't mean that I necessarily was approving of sex out of marriage, and she doesn't really either, but too many girls from good homes end up pregnant.

Vanessa - posted on 04/17/2009

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Hi Jeanne, I have 2 teenage daughters both have got their own cars, they both pay their half the insurance and are responsible for their fuel in their cars. I beleive that when they leave home nobody is going to give them hand outs therefore they should learn as soon as possible.

Linda - posted on 04/16/2009

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Our son just turned 16. We live on a small farm and he has many responsibilities and is very interested in working and helping out on the farm and with his younger sister who is 7, therefore, we will pay for his automobile insurance but we will not buy him a car he will be provided with a car to run when needed. My husband, son and I all have Tracfones so it is pay as you go and this has worked out very well as far as controlling how much he uses the phone especially with texting. I buy him minutes but his grandmother also buys him minutes for birthdays, Christmas etc. Obviously we don't use our cell phones like most people do. As far as birth control, we haven't had to cross that bridge yet, however, I suspect that if that time comes with my daughter especially I will pay for it until she is out of high school. With that being said I am not going to encourage her to have sex but do want to keep my head out of the sand and prevent an unwanted teen pregnancy.

Sheila - posted on 04/16/2009

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This me rolling my eyes!!!!! I have 3 sons and 3 stepdaughters. My sons and the oldest stepdaughter are finally paying their own bills and have been for about 5 years when we told them that not only couldn't we continue to do it but that we WOULD NOT continue! However, my husband's 2 youngest daughters (they are 22 and 24 and do NOT live with us) are still using cell phones which WE pay for every month! It seems as though they go over their share minutes each month even though I have continued to up the amount! They are on the same account as I am so I see the bill. I have unlimited time and text messages but I REFUSE to do that for these 2 girls because they are living on their own, have good jobs and what seems like plenty of income to pay their own frigging bills...including their cell phones!



Of course, their daddy wants to continue paying this bill because he wants to be able to contact them. Well...guess what? Neithe one of them EVER answer when he either calls or sends them a text message!!!! I am ready to cut the umbilical cord and tell them it's time to grow up and be the adults they want to be but he won't go for it.



If anyone as any advice as to how I can get the point across to their dad that they're playing us for fools, please feel free to comment. I need all the help I can get!

Lynn - posted on 04/16/2009

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THEY CAN PAY THEIR OWN BILLS WHEN THEY DECIDE 2 OPEN THE LEGGS INSTEAD OF KEEPING THEM CROSSED

Helen - posted on 04/16/2009

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My son is 17 we bought his car and he has taxed and insured it. We got the best deal as the insurance was alot of money. He saved his saturday job money for a whole year.

Krista - posted on 04/16/2009

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I would have them pay for their own birth control.  If they are old enough to make the decision to break this rule then they need to be responsible and/or willing to deal with the consequences.  If they want the privelage of driving my or anyone elses car they have to pay for the insurance.  Cell phone is a split.  I pay for service but they are responsible for some of the media charges.

Wendy - posted on 04/16/2009

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my son is 19 and he has alwyas paid for his own car insurance, rego and mobile phone. as for birth control i use to throw the odd packet of condoms on the bed but in general he has always paid for them - i must admit though santa is always accomadating in throwing condoms in his santa bag as a stocking filler - yes xmas is interesting at present opening time!



most teenagers have the ability to obtain a part time job to pay atleast towards these things whilst still in school but after the end of aschool they are adults with adult responsibilities just like their parents. my way of helping was to set up a bank account where a set mount was deducted from his main bank account ready for such bills. its easier to lose a few dollars of their pay weekly then the shock of a big bill plus i hoped it would teach him to save - still working on that part but he does make sure the money for the bills is there every week



good luck

Alicia - posted on 04/15/2009

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We have three boys. We told all of them that we would pay for half of their first car, but the rest was their responsibility. They have had part time jobs to pay for insurance & gas, tires & such. They also know that we will help them out if it's something major. As far as cell phones go, if they wanted one, they had to pay for it. We had a family plan, which made it pretty inexpensive for them. Now when it comes to birth control, with boys, we told them they better wait till marriage & they agreed. As a side note, we wanted our sons to learn to be accountable & responsible & they are. Hope this helps!

Nancy - posted on 04/15/2009

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The 2 oldest are 25 & 24 now and we told them if they were driving they had to get a job and pay their Insurance.

Carolyn - posted on 04/14/2009

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I have three children one in College, one finishing High School off to College in Sept. and one finishing his first year of High School. The cell phone question is easy: my oldest didn't get a cell phone till she went to College. The one graduating will get one after graduation. Of course the last one has to wait three years. I will pay the bill till they graduate or get married which ever one comes first.  As for car insurance well that is not an issue at the moment our first two are girls and they don't have their licences. Our son on the other hand will get his licences at 16 and will pay half of the insurance. Now for birth control that is between husband and wife. The daughter should dicuss that with her husband and they pay for it them selves.

Loretta - posted on 04/14/2009

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Our policy was that if our kids wanted a car, they got a job and paid for their insurance and gas. We helped buy the car ($500 at most). We have a family cell phone plan and they are included and don't make them pay unless they are getting something extra (like when texting wasn't in our plan, they paid for that if they wanted it). As for birth control- I think that's a strange thing to pay for. I say that's an adult decision and if they can't afford their birth control, they shouldn't be having sex!

Angie - posted on 04/14/2009

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I will pay for car insurance as long as my children are in school and that includes college. I only pay for basic, if their grades drop or they get a ticket they have to pay the additional charges. Birth control, I don't believe in sex outside of marriage so that's not an issue in our household. Cell phone - my son is very active and the charge is only $10/month so I will pay for that until he graduates college. He has gone over his minutes before and he pays the overages......

Jeanne - posted on 04/14/2009

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Well yes they certainly NEED a cell phone, who doesn't in this fast paced worlded. I would never speak to them if they didn't. Birth Control is very important if they are sexually active (they are adults) and I certainly do not want the alternative. I am stopping the birth control - the cell phone I am handing over to the 21 yr old and will continue for the 18 yrs old until she gets a job. Car insurance not sure yet.

Thanks for all the help.

Jean - posted on 04/13/2009

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I paid for car insurance until they were out of school .and then it was theirs to pay . But as for the rest I am a bit old fashioned, I have never paid for birth control. As for the cellphone....do they really need it? If so, I set the limit of what I would pay and any & all overages were theirs to pay, even if they used my minutes & caused me to go over. If warnings weren't heeded on the over-the-limit usage, the phone was temporarily shut off to teach a lesson on restaint & financial responsibility.

Diane - posted on 04/13/2009

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How funny- I'm struggling with the same thing, but mine was a little backward from Debra. I paid for the insurance until they bought their first car after moving out. I still have them on my cell phone, because I want them to call, and the birth control was more complicated. I felt that was an entirely adult decision, with no benefit to the rest of the family, AND, since they could go to a clinic if they needed help paying for it, that was their choice and responsibility.
I'm a bit thick, so I never thought of what other families did- I'm kind of curious now how others decided too :)

Jeanne - posted on 04/13/2009

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I guess I am a bit too easy on them... I guess I should make some changes.

Thanks for the input.

Debra - posted on 04/13/2009

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I would pay for birth control  until they reach 18 or finish school car insurance i would make them pay some of the bill and as for the cell phone they would have to pay for it .

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