Being honest has put both my girls on the right track.

I have always been totally honest to my girls about everything this has helped them open up and talk to me about anything and everything, I have an open mind, I was once young myself believe it or not. I want my girls to be aware and understand different situations then they can decide what to do. The only thing I have ever put my foot down on is smoking, I warned them that if they every started to smoke I wouldn't be very happy, that would really disappoint me, both my girls don't smoke. I totally understand yeah they are going to try things, I was there age once, I also said when you do come talk to me about it,be honest and they have.

I have never hid anything from them, I have spoke to them both about how me and there dad struggled when they were first born, we had no money as there dad had been laid off work... again. How we nearly lost the house, we got no help from family, they didn't seem to care. How we fought on sorted our problem with a DMP Debt Management Plan. I wanted them to understand about money, how you work for it don't waste it.

Being young and having those first pay packets,you feel the richest person ever, all that money and you get it again every week, but with that pay check comes responsibility's, you now have to help out paying board at home, you now pay your own bills and don't lean on your parents As much.

I was most worried about my oldest wit her having ADHD, ODD & Aspergers, maths was never her strong point, she didn't understand money at all, she didn't understand banks, she thought anyone could just go to the bank and withdraw, she took ages to realise you had to deposit some first. Understand the coins was hard for her, she had to be helped when she paid for items then helped with getting the change.

I was always concerned how she would manage on her own, how she would survive as she liked to spend. If I gave both my daughters £100 to go and spend my youngest would come home with something good, something that would last where as my oldest would come home with a load of bags filled with rubbish.

I am so proud of my oldest as she has turned out to be very wise when it comes to money, she is very strict with herself. She now shares a house where she shares the bills, she will work out her money to the last penny making sure she has enough for her savings, she will only treat herself when she has saved so much. All her bills are paid, she has paid back a loan with no help from anyone, well apart from continuously phoning the bank to make sure she was on the right track, she likes to know exactly where she is and how much she has, she isn't tight she likes to save for what she wants now and if she can't afford it she won't but it. My youngest is exactly the same, she won't go below a certain amount in her bank, she loves to save and watch her money grow.

They both don't need help they don't need to depend on anyone, they can both look after themselves. I am so proud of both my girls, they have grown up sensible loving and caring. They are both on the right track.

Thank you son-of-satire