Our oldest son is 18 and graduated from high school this past May. He's been at the same part-time job for almost two years now. When he started working, we went to our bank and opened a checking account for him. Because he was under 18 at the time and still a student, a parent's name was required to be on the account along with his name. He also received a debit card to use with the account.
Since my name is still on the account, I can go to our bank's website to access all account information and view all of his transactions. One of the first things I do every morning is check our bank accounts online and make sure everything is correct and accounted for. Because his account information is right there in front of me, I got into the bad habit of filling in and balancing his checkbook for him. Now, this has become a HUGE problem!
He truly, honestly thinks that it's a waste of time to record anything in a checkbook register. "Why write it in the register when I can just look it up online whenever I want?" is what he tells me. Because of this, he has not written a single entry in his checkbook register for months and months. Because I'm such a stickler for details (some may say control-freak) I have taken it upon myself to look up his account each day and fill in his checkbook register with all of his transactions. He doesn't really ever write checks; mostly just uses the debit card. I'm realizing that this is only enabling him to shirk his responsibilities. It's not teaching him to get into the habit of doing it for himself. But, no matter what I do, he simply will not use the checkbook register. Grrrrr!
I went on strike, so to speak, and totally quit doing it for about a month and he really couldn't have cared less. He still didn't touch it. I'm ashamed to admit I caved and took it over again (the stress of his checkbook being behind and out of order made me a nervous wreck).
So, my questions for you are as follows...how can I convince him that it's necessary to actually write his transactions in his checkbook register? If you have teens or older kids with checking accounts, do they keep up with their own checkbooks? In this digital, online age, am I over-reacting to his wanting to keep up with his account only online?