I agree with you smow. One of our daughters and our son are constantly on the phone asking questions like these, they actually owe us about £10000 between them, I have now started saying no, so then they try and lay the guilt trip on me, I feel absolutely awful saying no, but the other two girls both work to earn their money and don't blow it on crazy things and I am quite happy to lend them money as it is paid back when they say they will. It is getting to the point now that when I see their number on the phone I am reluctant to answer it. You are right, it was much easier when they were younger.