Young, 解放する／自由な and broke

By Gaynor Pengelly
Updated: 00:00 BST, 3 September 2002

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LEAVING home as a 十代の少年少女 is exciting and scary. But it can come as a shock to discover that it's expensive, too.

Rent, overspending on credit cards and the high cost of day-to-day living can leave youngsters who 欠如（する） basic money 管理／経営 技術s with spiralling 負債s.

Vola Parker, a 選挙運動者 for 財政上の education, say s: 'Many 十代の少年少女s leave home 推定する／予想するing to continue the comfortable 基準 of living they have enjoyed with their parents. But few realise how many 法案s will have to be paid, and young people who get into money troubles tend to sweep 声明s under the bed rather than talk to their bank 経営者／支配人.'

Parker is 商売／仕事 and 資源s 経営者／支配人 for the Personal 財政／金融 Education Group (PFEG), a （選挙などの）運動をするing organisation of 財政上の companies, teachers, regulators and 消費者 groups. She believes that 十代の少年少女s' 欠如（する） of 財政上の knowhow could be 予定 to middle-class parents using plastic cards instead of cash.

'Kids used to see that money was something you earned, but today they see it as something that can be borrowed,' she says. 'Many see their parents go 一連の会議、交渉／完成する a supermarket, buying goods with cards and getting cashback, so they lose touch with where money comes from.

'In poorer areas, 十代の少年少女s are more 手がかり（を与える）d-up about money because their parents have to 予算 carefully and use cash instead of plastic.'

A 最近の 調査する by Barclays bank 設立する that while most school-leavers know the price of CDs and computer games, they have no idea of the cost of mundane items such as a TV licence or kitchen utensils.

More than a ４半期/4分の1 of 十代の少年少女s said that socialising would be their biggest expense when they left home, while one in five said 動きやすい phone 法案s would take most of their income. Few saw rent as their biggest cost.

ツバメ Mosley, community 事件／事情／状勢s director of Barclays, says: 'School-leavers also don't understand how much they'll be 支払う／賃金ing for electricity, gas and 会議 税金.'

Barclays has 開始する，打ち上げるd a 財政上の training pack 目的（とする）d at 15 to 16-year-olds. Moneychoices, 利用できる on the internet, features quizzes and roleplay 演習s 同様に as （警察などへの）密告，告訴（状） on banking, 予算ing and 負債.

The pack is part of the bank's 後援 of 'uproject.co.uk', a summer activities programme 目的（とする）d at school-leavers 自信のない about the 未来.

Andrew Millar, a 17-year-old 見習い工 electrician from Bowburn, 郡 Durham, took part last year. 'Before I went on the uproject I had a really extravagant 態度 to money,' he says. 'I would borrow or save to buy something I 手配中の，お尋ね者, then fritter the money away on rubbish I didn't need. Now I only spend on something I know I will get value from. I have borrowed money since then - in fact, I 借りがある my mum £100 - but now I'm careful about 支払う／賃金ing it 支援する as I don't want to be in 負債 at 20.'

PFEG has finally managed to get personal 財政／金融 put on the 国家の Curriculum. A four-year 裁判，公判 計画／陰謀 will start next month.