<p>Our kids cover their social expenses. DS was a spender, but after overdraft charges once, he paid a lot more attention to his account. He had his own acct funded with his own money. Got an on-campus job after first quarter. We paid all school expenses—tuition, room, board, books and fees. Also necessary clothing, medical, stocked up first aid kit and toiletries. All else was his–so basically social. DD is coming up and she hoards her money. She will go off with twice as much as her brother in her checking acct. She is very frugal when it is HER money. haha.</p>