1. I will pay off your past due bills/overdraft checks that are about to get you jailed. You are now working only to pay overdraft fees so you can then accrue more before the next paycheck arrives. This MUST STOP!!!! It is a vicious cycle and one that will kill you financially.
2. I will pay off your Credit Card so you dont have the 30% interest. You will pay me back IN CASH over the next 12 weeks for the Credit Card amount(this time can be extended if needed and agreed upon by us both)
3. You will handle your cell phone problems, your bank account problems and any monies owed to friends.
4. You will move home so you have no bills. You will pay $50/week for your room/board/internet/utilities and $25/week of that I will credit to the over $4000 you owe me.
5. You will get bills caught up and begin saving money for college until you have a 1 semester tuition cushion in the bank. You will learn to put a small amount into a savings account and NOT use it.
6. You will cut up your credit card and close the account and not reopen until you can get one with reasonable interest AND use it responsibly.
7. We will work on teaching you budgeting skills and checkbook management. You DO NOT buy what you CAN NOT pay for. That is what has gotten you in this predicament.
8. You will keep your debit card but learn to record EVERYTHING you use it for WHEN you use it.
9. You will continue to work as many hours as possible at
WalMart and not do anything to jeopardize your job. I will provide an air cleaner or other white noise to help keep the house quiet so you can sleep days better.
10. You will re-enroll in college no later than January part time and summer/fall full time and you will complete a degree in SOMETHING.
11. You will live at home until such time as you can prove that you are financially able to support yourself, mature enough to do so, and can continue your degree while doing so.
12. You will not drink, smoke, do drugs - ALL of which have cost you money, possessions and your former lifestyle /dignity.
13. You will follow some simple house rules:
a) no illegal activities in or outside the house
b) no overnight guests without prior approval
c) you will try to curb your foul language
d) you will keep your areas reasonably clean and clean up after yourself
e) you will help with simple things as needed animals, trash, etc. and without foul language, bad attitude.
f) you will, as is only common courtesy, keep us informed of your comings/goings
ie: if you intend to stay at Brocks, you let me know so I dont worry. If you arent going to be here for a meal that was planned, you let me know
g) you will begin paying off the over $4000 you owe me for back car payments,
car insurance, car repairs, UNM past due bills on the scholarship you lost, paying off your creditors, your tv, etc. This can be done slowly, but you must begin taking responsibility
h) you will be part of the family family is not a bad thing.