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[quote=Anonymous][quote=Anonymous]The stipend is the way to go, even without the boyfriend. Your daughter is 25 and apparently pays no bills directly. Just puts  lot on a credit card and forgets about it. [b]She needs to learn financial management - budgeting, remembering to pay bills on time, etc. These are critical life lessons and now is the time to learn.[/b]

So, decide on her monthly stipend amount. Treat it like a paycheck. Deposit once a month or split in 2 installments. After that, let her take over and pay for her expenses directly.

This arrangement will be good for all of you. It will give her some independence and teach her fiscal management. And it will help you step back and let go a little. I mean, most parents aren't intimately acquainted with their 25 year olds grocery bills. [/quote]

+ 1

Have this convo with the DD first.  Figure out what the amount should be together.  Don't get the BF in the picture (infact, don't even mention him). It is just that your DD is living with a budget.

Give her enough that she can treat herself to occasion treats but not that she can splurge too much. When there is not unlimited funds and credit card available, your DD will be more willing for her BF (or friends) to go dutch on stuff, because treating others will mean curtailing her own spending.

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