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We got my 13 year old a bank account and a cash card. We deposite his allowence (one dollar a week per year of age) and his lunch money for school into the bank. When he works, we put that money in the account as well. DH sits down with him once a month to go over things and balance it. We also take money directly out if he owes us money for something. (Like if he breaks something, or I have replace something he misusued or lost, or if I have to do his chores for him) Because he can't drive, we have to take him to the bank so we know how much money he is getting out. Of course if his attitude has been bad, I sometimes have trouble finding time to drive him to the ATM. LOL, we live in the country ten miles from town, so walking is not an option. When we had coustody of my sister, I gave her cash to buy all her school supplies and clothes. I told her that what she could not buy with that she would have to use her own money. I took her first to a store that didn't have clothes, to buy the school supplies, so that she would have to buy those things first, because I knew she would spend it all on clothes. She was shocked at the prices and it was a great lesson for her.
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