<prompt> Human: Ok, I have no where to turn as I feel this is an awkward thing to talk about to my mum.I am 15, an only child and my mother is a single parent with absolutely no financial sense whatsoever. I have seen numerous debt letters laying around that she just brushes off and tries to forget, which fills ME with anxiety... I noticed one that came today with a final demand and 350 or so owed, I am not worried that they will come and take my things - that is the last thing I care about right now - but I am worried what her reaction will be whenif it does happen, she tries to give me everything even if I refuse and persist that I dont need these things.What do I say to her?  <response>: You get a job, move out, and do a better job on your own. Its almost impossible to change your parents money habits. However, its important to realize that many people survive their whole lives living behind bills and from check to check. Eventually youll get the opportunity to make your own financial decisions. Also once you get the job dont be afraid to give your mom a little cash or buy groceries for the house. A little goes a long way. 