Teenagers

How do you prove to a teenager the importance of good time keeping when you are working or have appointments?
How do you convince a teenager that money doesn't grow on trees and you have to be careful with what you earn?

Well, in our house ... you don't!  Whatever we say, they both have a smart-arse answer and think they have everything under control ... even when one of 'em only has £4 in the bank and they are going to France for a couple of weeks holiday at the end of the month.

I have serious concerns that they will both (once they have left home) end up over their heads in debt because they get credit cards or take out loans.  So far at 18 & 19 years old they have displayed no signs of taking any kind of responsibility for their future financial security. 

So far, every time we speak to them and explain something, within a short time it's totally undermined by the actions of their father (I'm only a 'step-dad') who throws money at them willy-nilly.

Other folks out there may have the solution.  I sure as hell don't!