Hi Freewill,

I do not know if your son would look at it but there is a web site sponsored by the American Institute of Certified Public Accountants called: http://www.feedthepig.org/

It is a attempt by the institute to get regular people - not accounting types - to get control over their finances. It has hints, a calendar, and other strategies for money management. They have a monthly email newsletter and lots of info on the site.

My only concern is that if you offer to help him that he might think that means you pay his bills with your money. I have a friend who just let her 22 year old son move home so he couuld reduce his rent payment and be able to pay off the debt to credit cards and car payment he had racked up and pay his bills consistently. The deal was that he was supposed to give her a certain amount of money out of each pay check plus a token amount for rent and then she was going to put the money in an account for him and then they would sit down together and work on his bills. Well within short order, he is not paying his rent or money toward his bills and now all the threatening mail comes to her house and the calls so she ends up paying because she does not want him to continue to get behind.

The only other thing that I can suggest is for him to speak to one of the reputable credit counseling agencies and see if they can offer him any help.

But what do I know, I have only had dogs and cats - not kids.