[nabs-l] Question for you all

[Koby Cox]

Ashley,
Can you give me a call so that we can discuss this further?
Thanks,
Koby.

-----Original Message-----
From: nabs-l [mailto:nabs-l-bounces at nfbnet.org] On Behalf Of Ashley
Bramlett
Sent: Saturday, October 13, 2012 3:23 PM
To: National Association of Blind Students mailing list
Subject: Re: [nabs-l] Question for you all

Koby,
How old are you? If over 18, it seems to me you have a right to assert
your
independence. Like you, I live at home and my mom does not say much
about my 
spending. But I did not overdraw yet although came close to it. I
question 
why your mom even looks at your account online? Is she a co owner of the

account? If she is, this is a problem as legally it is her account too.
My dad is a co owner of my account, but he is laid back and does not 
question my expenses.
Nor does he go online to check on me like your mom is doing. How tough
this 
must be.

Seems there is more to the story. Is she really taking it away for one 
overdrawn fee?
That seems overboard. Tell her
that everyone overdraws at one time or another. You need to learn from
your 
mistakes; say you will budget better next time. Tell her if she
takes it from you, you are denied the ability to learn and budget for 
yourself.

You should check your balance regularly such as once a week to ensure
you 
have enough money. You, not your mother, should have a password to the 
online bank system to check your balance and anywithdrawals you have. If
you 
cannot go online due to accessibility or something, set up a phone
account. 
This is where you call a number of your bank. The bank has a recording 
system; you will create a PIN number for your checking account. Then you
can 
check on your account. If I am ever unsure of my balance and need to
make a 
purchase, I call this number. This ensures me I do not go overboard and 
withdraw.

I don't know what to say; its your mom's home and she makes rules. But
on 
the other hand, you need a place to live and rent is often so expensive.
So, 
til you have a job, you might want to live at home, but you also need to

have independence. I have to say that spending less than 100 dollars
without 
a parent's permission is very controlling, unfair, and treats you like
you 
are ten. You are an adult, I assume, if you are in college.
You cannot say on list, but I wonder if you mom is this strict with
other 
children, or is it just you because you are blind?

I know for me, my mom is a bit more controlling due to my low vision and
the 
fact I'm a baby child. My brothers are older.

Anyway, do talk to her. I hope things work out! Sometimes, I find
parents 
say mean things when they're mad, and when they calm down, you find out
they 
really did not mean what they said.

Ashley

-----Original Message----- 
From: Koby Cox
Sent: Saturday, October 13, 2012 2:24 PM
To: nabs-l at nfbnet.org
Subject: [nabs-l] Question for you all

Hello all,
This past week my mom went on-line and looked at my bank account and saw
that I was overdrawen. A doctors office takes out $110 every month to
cover a procedure that I had done the amount that they take out Is what
I'm responseible for paying because insurance didn't cover the rest of
it. I'm fine with that however, My mom said that she was going to take
my bank card away from me until next month and then we'll see If I get
It back. She also informed me that I can't spend more than $100 unless I
talk to her first. She said that If I don't like her rules then I can
pack my stuff and get out. What do you all think about all of this?
Right back soon,
Koby.
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