At Thanksgiving, my son’s wife charged me $45 for my plate.

When I finally calculated everything, I couldn’t believe how much money had left my account over the years. Three hundred and ten dollars every month had become a regular expense, and nobody seemed to remember that I was the person paying it. I decided the arrangement needed to end. However, I wasn’t going to cancel the grandchildren’s phone lines. They had done nothing wrong, and I wanted them to remain connected with me.

I purchased little red Christmas envelopes and placed a printed statement inside each one. Every envelope showed the phone expenses I had covered and the amount each adult needed to take responsibility for going forward. I also included the information they would need to arrange their own accounts. I didn’t tell anyone what I was planning. I simply waited for Christmas dinner, knowing that the same people who had charged me for Thanksgiving would soon discover something they hadn’t expected.

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