or atleast I thought he was easy child. He has become so moody recently. Has NO idea how to handle money. Because he is so irrisponsible with his bills, I pay his car insurance and cell phone bill, and he is to give me a check each month. Seems as if he "forgets" some months and it makes me angry. I do not have the money to put up for him. He lives away half the week and home half the week(work). He now has a girlfriend (who never speaks). He lost his wallet about 3 weeks ago, atm card was in there. He never opens his mail. I leave it sit for months, then after a collection of it I just toss it out. Most are bank statements(or I thought). Monday (he left early am to go back to his other home) I was going through the mail, and felt his bank card in one of the bank letters. So, I opened it and put it aside. Then, before I tossed out all his other bank letters I thought maybe one would be his PIN number, so I opened them. I was thinking it was either a PIN number or bank statement. Wrong. No PIN number, 4 overdrafts ($31 fee for each) and a bank statement. He eats out almost every single thing on his bank statement was from a restaurant. Two weeks ago he came up north to our cottage with girlfriend and no money(reason: no atm card) So, I gave him mine and told him to write me out a check. Well, he "forgot" . Then he went to the foot doctor and I gave him $25 for co-pay. I went to foot doctor on Tuesday and was told he never paid the co-pay. He never gave me back the money either. I talked to him on the phone and told him I was tossing out the unopened mail and felt his bank card so I opened that. Then I told him before tossing out the other unopened mail I checked to see if his PIN number came. He chewed me out for opening his mail and stated I will "never" use HIS bank card. (but he can use mine???) I hung up on him. I was so angry I just wanted to cry. he is a month behind on car insurance/cell phone. and next months is due. If I left it up to him he would not have insurance and he doesn't realize how dangerous that could be since he travels so much for work. He will also lose medical insurance as of January due to age. He has no benifits at his job and has no intention of "paying" for insurance. I just don't know how to make him realize HOW to manage his money. Sorry...just SOOOO angry right now. Also, he gets upset if I clean his room. But with all the rain recently and dampness, I had to pick up his dirty clothes he had thrown about his room (in basement). Also changed his bedding and dusted. I am sure he will chew me out for this too. He has no idea how hard it is to manage just our household finances without dealing with his too.