Quote:
Originally posted by De6
I did NOT have a chance to save...they were always asking for money...My thing is,they gamble and do what they want with their money and ask me to give them money for things THEY should be taking care of.Then,if I feel that I should NOT have to pay for their mistakes,I get the whole guilt trip thing.I understand that we all have our rough times,but I refuse to fall into the pattern that have chosen to follow.I will NOT be in a financial bind my last year of high school.If I have my own,I don't have to worry about begging others,especially my family.I have simple needs and wants...I like the better things in life,but I do NOT loose my mind.Like I said,my needs and wants are pretty much met.It's just that I do NOT know how to handle my family when it comes to money.
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Sweetheart, you have got more issues than meets the eye...
Firstly, based on your statements--are you telling us that your parents ask you for money because they gamble theirs away? How are they gambling theirs away enough to want to ask their daughter for any kind of money--summer money--c'mon, were your really pizzaid this summer???
What I am unable to glean from your statements are:
Are you folks asking you to pay your fair share of household expenses as they allegedly gamble off their assets? If that's the case, then move out and live on your own--God blesses the child that's got his or her own...
Or are your folks telling you that your job don't mean isht and you would want to pay up??? That requires some folks that are licensed clinical social workers or psychologists--because what are your trying to say your folks are doing??? Either your statements are of a spoiled brat, or your folks got issues that go beyond what you are telling us... Your money technically ain't yours unless you pay taxes on the isht... Meaning YOU filled out the W-2 and YOU fill out the 1040EZ form yearly... Not Mommy filling it out, but you!!! The money you make has to accounted for by the government unless you live on your own... So... You need to decide how you choose to grow up or not...
Here are some suggestions, IMHO, you can work through your situation:
Basically, you can lock your funds up in a nice certificate of deposit--CD. For most banks you need at least $500 to $1000 to start a CD and no body can touch it until 1-10 years later--whatever you set it up as. However, this bank I have a few CD's at only asks for $100 deposit but the interest rates are extremely low per year... So, in essence you don't make money, but you will lock your funds up and you don't have "emergency money" access...
Another idea is to invest your funds in small items first... Such as mutual funds, bonds, T-bill and may some other safe portfolios... Then you can advance to small big ticket items like a Ford Focus--or whatever... For now, you have no assets. And you are living day to day. Your disposability is huge, because you owe nobody anything.
You folks can't ask you for money unless they plan to steal it from you when you lock up your funds...
Then why hasn't anybody told you to GET your own bank account and set aside your funds in whatever way your desire... Where is anybody's financial responsibility... Like Ujama was totallly missed on reality... The first job I got, my mom took me to the Credit Union and helped me fill out the paperwork to open my first little account. And ever since then, I add my little money to it...
That's is all I can see for now.