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[quote=Anonymous]We opened a bank account for my DD when she was in 9th grade and is now in 12th grade - a checking and a savings account. I am on the account and it is linked to my account. i transfer her allowance into the account automatically each month. We just opened the same for my DS. She is responsible for keeping track of the money and also putting some of her money in her savings account. She has to pay for almost everything she wants with her account - movies with friends, dinner with friends, any shopping she does,etc. She has learned quite well how to manage her money. Once it's gone for the month, it's gone...

OP - you need to get an account for your DD now. She needs to have some time to learn how to manage her money before she goes off to college. We use BB&T Bank, but I'm sure other banks have similar programs. It's very easy - only takes about 20 minutes to set the whole thing up. After that set up automatic transfers through your online banking options. It's very easy![/quote]

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