Title: February 7, 2007
Q. I am a single mother of two. My son is 12 years old and my daughter, 7 years old. Their father has been in prison for the last 5 years. My son is very big for his age and it has been reported to me that he is a bully at school. I searched his room on several occasions, and he appears to have a growing collection of items that I believe he took by force from other kids, such as backpacks, fancy pens, journals, jackets and shirts, etc. I also caught him once burning the tail of our family dog. I just do not know what to do to stop my son from this destructive behavior and I am terribly worried that he will eventually hurt another kid and I will be sued for his actions. Please help!
A. I certainly cannot be the first professional that you have turned to for help! An attorney may not be the best person to give you advice in this situation. Drastic measures need to be taken very quickly before your son turns into a habitual criminal. Either he needs to be scared straight, or be in therapy, or both. He is showing all the signs of growing up to be the worst kind of human being possible. I am sure there are counselors available at his school. I would suggest consulting a psychologist who could provide you with guidance. Make sure to question your daughter about her brother’s behavior towards her. If your son is a bully at school, he may also be a bully at home, harming your daughter. In the meantime, I believe it would be a good idea for you to place the family dog with another family. I would hate for both your daughter and your dog to be injured by your son. You have a very serious problem on your hands and I am afraid that you have little influence or control over the dangerous propensities shown by your son. Please get some professional help as soon as possible.
Q. Is there such a thing as “legal insurance” just like “health insurance”? Can you please tell me where to find it?
A. Yes there is. There are several Prepaid legal plans available on the market. However, I cannot advertise any one of them, so I would suggest you go on the Internet, using your favorite search engine and input the words “Prepaid Legal Plans”. Several plans will come up. Contact each one and find out the requirements for joining the Plan. Good luck!
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Monday, March 23, 2009
Legal Eaze #62 Insurance Damages/Extramarital Child Support
Title: January 17, 2007
Q. I had a car accident and two persons died as a result of the accident. I was at fault. My insurance was insufficient to pay for all the damages caused in that accident. Can my assets be taken away over and above what my insurance paid to the estates of the two deceased?
A. Yes, unless your insurance company settled the lawsuit for the total insurance amount paid to the deceased’s estates. For example, if the damages sustained by the Plaintiffs were $5 million, and the Plaintiffs won $5 million at trial but you only had insurance for $2 million, then $3 million remain unpaid and your assets can be taken to cover the unpaid amount, if you have assets worth that much. Future assets you might obtain may also may be taken away as you accumulate them. Interest also accumulates at 10% per annum on the unpaid balance if the full amount of the judgment is not paid swiftly.
Q. If I have an extramarital affair and have a child issued from that affair, but my husband raises the child as his own and is named as father on the child’s birth certificate, can I later get child support from the true father of the child after I get a divorce from my husband? Can I have the birth certificate changed to reflect the name of the true father and get him involved with his child?
A. After you get a divorce, you can get anyone you want involved with your child, but you need authorization from your now ex-husband to remove his name from the child’s birth certificate. Unless you do that, or litigate the issue, it is unlikely that you will ever be able to pursue the other man for child support. If you have a child out of wedlock, but are married at the time, your husband will be considered the father of your child, unless you let it be known that he is not, and he insists on a DNA test to prove he is not the true father of your child. I realize these incidents occur all the time, but it is not very ethical for you to let your husband believe for years that he is the father of a child, support that child for all that time and then try to get child support from someone else. At the very least, it seems opportunistic and calculating to use the child in that manner.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. I had a car accident and two persons died as a result of the accident. I was at fault. My insurance was insufficient to pay for all the damages caused in that accident. Can my assets be taken away over and above what my insurance paid to the estates of the two deceased?
A. Yes, unless your insurance company settled the lawsuit for the total insurance amount paid to the deceased’s estates. For example, if the damages sustained by the Plaintiffs were $5 million, and the Plaintiffs won $5 million at trial but you only had insurance for $2 million, then $3 million remain unpaid and your assets can be taken to cover the unpaid amount, if you have assets worth that much. Future assets you might obtain may also may be taken away as you accumulate them. Interest also accumulates at 10% per annum on the unpaid balance if the full amount of the judgment is not paid swiftly.
Q. If I have an extramarital affair and have a child issued from that affair, but my husband raises the child as his own and is named as father on the child’s birth certificate, can I later get child support from the true father of the child after I get a divorce from my husband? Can I have the birth certificate changed to reflect the name of the true father and get him involved with his child?
A. After you get a divorce, you can get anyone you want involved with your child, but you need authorization from your now ex-husband to remove his name from the child’s birth certificate. Unless you do that, or litigate the issue, it is unlikely that you will ever be able to pursue the other man for child support. If you have a child out of wedlock, but are married at the time, your husband will be considered the father of your child, unless you let it be known that he is not, and he insists on a DNA test to prove he is not the true father of your child. I realize these incidents occur all the time, but it is not very ethical for you to let your husband believe for years that he is the father of a child, support that child for all that time and then try to get child support from someone else. At the very least, it seems opportunistic and calculating to use the child in that manner.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #61 Fault Of Icy Turn Accident/Sex Offender Neighbor
Title: January 3, 2007
Q. I was driving on Highline and needed to turn left at Steuber. I had my left signal on, but I hit a patch of black ice and my car began skidding. I realized that I needed to pump the brakes until my car was fully stopped. I went a few feet past Steuber, but was able to finally stop to make my left turn. The car behind me hit my car as I was trying to maneuver my left turn. Who is at fault?
A. More than likely, the person who was driving the car behind you. He/she should not have been so close to you as to hit your car, especially if you had your left signal on. He/she knew that you were making a left turn and should not have been driving so fast as to defeat what you were trying to do. However, it is possible that both your insurance companies may ascertain that your maneuver was a significant contributing factor to the accident. You also needed to correctly assess the slippery conditions of the road and allow for potential problems, thereby lowering your speed to enable you to turn left in a safe manner, black ice or not.
Q. I found out that I live next door to a man who was found guilty of being a child molester. His name was obtained through Megan’s law/National Sex Offenders Registry. I do not want my children to be targeted by this man and I am afraid to continue living next to him. What can I do?
A. Short of having a petition signed by your entire neighborhood requesting that this man be moved to another location and for legal reasons that must be sufficient to make him move, there is not much you can do. Obviously, this man has to live somewhere, and it is usually next to someone else. Unless he starts acting suspiciously and reverts back to his old habits, you will have to accept the reality that he has the right to live anywhere he wants as long as he does not prey on children. If you simply cannot accept this fact, you need to move elsewhere. I realize that a legal system that allows someone to get hurt before a suspect is arrested and tried may not seem to be fair or just, however that is how such a system of “innocence is presumed until proven guilty” works.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. I was driving on Highline and needed to turn left at Steuber. I had my left signal on, but I hit a patch of black ice and my car began skidding. I realized that I needed to pump the brakes until my car was fully stopped. I went a few feet past Steuber, but was able to finally stop to make my left turn. The car behind me hit my car as I was trying to maneuver my left turn. Who is at fault?
A. More than likely, the person who was driving the car behind you. He/she should not have been so close to you as to hit your car, especially if you had your left signal on. He/she knew that you were making a left turn and should not have been driving so fast as to defeat what you were trying to do. However, it is possible that both your insurance companies may ascertain that your maneuver was a significant contributing factor to the accident. You also needed to correctly assess the slippery conditions of the road and allow for potential problems, thereby lowering your speed to enable you to turn left in a safe manner, black ice or not.
Q. I found out that I live next door to a man who was found guilty of being a child molester. His name was obtained through Megan’s law/National Sex Offenders Registry. I do not want my children to be targeted by this man and I am afraid to continue living next to him. What can I do?
A. Short of having a petition signed by your entire neighborhood requesting that this man be moved to another location and for legal reasons that must be sufficient to make him move, there is not much you can do. Obviously, this man has to live somewhere, and it is usually next to someone else. Unless he starts acting suspiciously and reverts back to his old habits, you will have to accept the reality that he has the right to live anywhere he wants as long as he does not prey on children. If you simply cannot accept this fact, you need to move elsewhere. I realize that a legal system that allows someone to get hurt before a suspect is arrested and tried may not seem to be fair or just, however that is how such a system of “innocence is presumed until proven guilty” works.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #60 Apartment Requirements/Checking Account Levy
Title: December 6, 2006
Q. Can you please give me the definition of an apartment and the building where it is located “fit for human living”?
A. Under California law, that typically includes:
1. Effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors.
2. Plumbing facilities in good working order, including hot and cold running water, connected to a sewage disposal system.
3. Gas facilities in good working order.
4. Heating facilities in good working order.
5. An electric system, including lighting, wiring and equipment, in good working order.
6. Clean and sanitary buildings, grounds, and appurtenances (for example a garden or a detached garage), free from debris, filth, rubbish, garbage, rodents and vermin.
7. Adequate trash receptacles in good repair.
8. Floors, stairways, and railings in good repair.
In addition to these requirements, each rental unit must have all of the following: a working toilet, wash basin, and bathtub or shower. The toilet and bathtub or shower must be in a room that is ventilated and allows privacy. The kitchen must have a sink. There must be natural lighting in every room through windows or skylights. Windows in each room must be able to open at least halfway for ventilation, unless a fan provides mechanical ventilation. Safe fire or emergency exits leading to a street or hallway. Stairs, hallways and exits must be kept litter-free. Storage areas, garages, and basements must be kept free of combustible materials. Operable deadbolt locks on the main entry doors of rental units, and operable locking or security devices on windows. Working smoke detectors in all units of multi-unit buildings, such as duplexes and apartment complexes. Apartment complexes also must have smoke detectors in common stairwells.
Q. Can a creditor levy your checking accounts and how much notice do they have to give you?
A. The first notice you may get is from the bank stating that your entire account is frozen, and unless you can get to the bank immediately or fast enough, the bank will release the money in the account to the creditor. The creditor cannot garnish 25% of your wages and levy against the full amount of your bank account at the same time. You must object if that happens. You may be able to get the Sheriff to cancel the levy without a court order. Any bank accounts the creditor knows about are at risk.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. Can you please give me the definition of an apartment and the building where it is located “fit for human living”?
A. Under California law, that typically includes:
1. Effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors.
2. Plumbing facilities in good working order, including hot and cold running water, connected to a sewage disposal system.
3. Gas facilities in good working order.
4. Heating facilities in good working order.
5. An electric system, including lighting, wiring and equipment, in good working order.
6. Clean and sanitary buildings, grounds, and appurtenances (for example a garden or a detached garage), free from debris, filth, rubbish, garbage, rodents and vermin.
7. Adequate trash receptacles in good repair.
8. Floors, stairways, and railings in good repair.
In addition to these requirements, each rental unit must have all of the following: a working toilet, wash basin, and bathtub or shower. The toilet and bathtub or shower must be in a room that is ventilated and allows privacy. The kitchen must have a sink. There must be natural lighting in every room through windows or skylights. Windows in each room must be able to open at least halfway for ventilation, unless a fan provides mechanical ventilation. Safe fire or emergency exits leading to a street or hallway. Stairs, hallways and exits must be kept litter-free. Storage areas, garages, and basements must be kept free of combustible materials. Operable deadbolt locks on the main entry doors of rental units, and operable locking or security devices on windows. Working smoke detectors in all units of multi-unit buildings, such as duplexes and apartment complexes. Apartment complexes also must have smoke detectors in common stairwells.
Q. Can a creditor levy your checking accounts and how much notice do they have to give you?
A. The first notice you may get is from the bank stating that your entire account is frozen, and unless you can get to the bank immediately or fast enough, the bank will release the money in the account to the creditor. The creditor cannot garnish 25% of your wages and levy against the full amount of your bank account at the same time. You must object if that happens. You may be able to get the Sheriff to cancel the levy without a court order. Any bank accounts the creditor knows about are at risk.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #59 Damaged Driveway/Pet Bite/Trespassing
Title: November 22, 2006
Q. I hired someone to put decorative curbs at my house. He did the mixing, including a dye to the cement right on my driveway, which is now stained. When I complained to him about it, he first appeared to be responsive. He promised to come and clean it up, but he never showed up. I feel a lawsuit is in order, but he only has a cell phone number on his business card, and when I call him, he acts like he cannot hear me. That is always the end of the conversation. I do not have a physical address on him. What can I do?
A. I suggest you hire a private investigator to get an address behind the cell phone number you already have. You can include the cost of the private investigator as part of your damages in your lawsuit. If the curbs look the way you were expecting them to look, you damages would only be for the stained driveway. Get an estimate from another contractor and find out how much it would cost to clean the driveway.
Q. My son and his friend were playing in my backyard, and my dog nipped the friend. The bite broke the skin, but no stitches were required. What do I do now?
A. Pay for the doctor to look the wound over and to take care of it. As I am sure you know, you are liable for any damage inflicted by your dog to any guests coming onto your property. Be very apologetic with the child’s parents and offer to take care of any expenses associated with the incident. .
Q. We own a 12-acre piece of land with a cabin that we use on the weekend. It is entirely fenced and has “no trespassing” signs around it. Yet, people come and ride their dirt bikes on our land. We have called the police, but the motorcyclists are usually gone by the time the police get there. Howe can we stop them?
A. You can try to obtain the license number off the motorcycles in order to obtain the names and addresses of the offenders, and sue them for trespassing. If that does not work, and you are simply not there when the trespassing occurs, you can place spikes in strategic places on your land. A few flat tires later, they might learn their lesson. Of course, if one of them gets hurt when falling off his dirt bike because he has a flat tire, you might get sued for his personal injury. However since he is trespassing on your land, you would probably prevail.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. I hired someone to put decorative curbs at my house. He did the mixing, including a dye to the cement right on my driveway, which is now stained. When I complained to him about it, he first appeared to be responsive. He promised to come and clean it up, but he never showed up. I feel a lawsuit is in order, but he only has a cell phone number on his business card, and when I call him, he acts like he cannot hear me. That is always the end of the conversation. I do not have a physical address on him. What can I do?
A. I suggest you hire a private investigator to get an address behind the cell phone number you already have. You can include the cost of the private investigator as part of your damages in your lawsuit. If the curbs look the way you were expecting them to look, you damages would only be for the stained driveway. Get an estimate from another contractor and find out how much it would cost to clean the driveway.
Q. My son and his friend were playing in my backyard, and my dog nipped the friend. The bite broke the skin, but no stitches were required. What do I do now?
A. Pay for the doctor to look the wound over and to take care of it. As I am sure you know, you are liable for any damage inflicted by your dog to any guests coming onto your property. Be very apologetic with the child’s parents and offer to take care of any expenses associated with the incident. .
Q. We own a 12-acre piece of land with a cabin that we use on the weekend. It is entirely fenced and has “no trespassing” signs around it. Yet, people come and ride their dirt bikes on our land. We have called the police, but the motorcyclists are usually gone by the time the police get there. Howe can we stop them?
A. You can try to obtain the license number off the motorcycles in order to obtain the names and addresses of the offenders, and sue them for trespassing. If that does not work, and you are simply not there when the trespassing occurs, you can place spikes in strategic places on your land. A few flat tires later, they might learn their lesson. Of course, if one of them gets hurt when falling off his dirt bike because he has a flat tire, you might get sued for his personal injury. However since he is trespassing on your land, you would probably prevail.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #58 Return Policies/Noise Nuisance
Title: November 1, 2006
Q. I purchased a pant outfit from a catalog. When I received it, I tried it on and noticed that the top was discolored as though it had been left in the sun for a long time. The color of the top did not match the color of the pants. I returned the outfit the next day via UPS, the same way I received it. I also filled out the return form and mentioned that the top was discolored and not up to the standard I was expecting from the catalog house. I later received an invoice from the company notifying me that I’m the one who damaged the outfit and I was expected to pay for the returned item. I am outraged. What do I do?
A. Make sure you read the company’s return policy. If it says you can return the merchandise if you are not satisfied for any reason, then you will prevail. Even if it does not say you can return it for any reason, you will still prevail. I would write to the customer service department a long letter explaining that you do not appreciate getting called a liar, and never buy anything from this company again. If you keep receiving an invoice, make a complaint to the Attorney General of the state where the catalog company is located, as well as the Better Business Bureau. If the company insists on billing you, let them know you will not pay and will put an energetic defense to any lawsuit filed against.
Q. My neighbor’s kid is learning how to play the drums. He spends every evening and weekend banging on a drum set in their garage which is about 20 feet from my bedroom. If it continues much longer, I will become either deaf or crazy from the noise. I have asked my neighbors to have pity on me and to panel their garage with some sort of sound barrier but to no avail. What can I do?
A. You have the right to quiet enjoyment of your property and the noise coming from next door is a private nuisance. If your neighbors are unreasonable, you should consider filing a lawsuit for nuisance. Maybe you should approach them again and let them know that you are thinking about filing a lawsuit if they do nothing to protect your sanity or your hearing. You need to calmly approach them and explain how serious the nuisance is. If you have other neighbors who are disturbed by the noise, you should pair up with them in filing your lawsuit. . .
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. I purchased a pant outfit from a catalog. When I received it, I tried it on and noticed that the top was discolored as though it had been left in the sun for a long time. The color of the top did not match the color of the pants. I returned the outfit the next day via UPS, the same way I received it. I also filled out the return form and mentioned that the top was discolored and not up to the standard I was expecting from the catalog house. I later received an invoice from the company notifying me that I’m the one who damaged the outfit and I was expected to pay for the returned item. I am outraged. What do I do?
A. Make sure you read the company’s return policy. If it says you can return the merchandise if you are not satisfied for any reason, then you will prevail. Even if it does not say you can return it for any reason, you will still prevail. I would write to the customer service department a long letter explaining that you do not appreciate getting called a liar, and never buy anything from this company again. If you keep receiving an invoice, make a complaint to the Attorney General of the state where the catalog company is located, as well as the Better Business Bureau. If the company insists on billing you, let them know you will not pay and will put an energetic defense to any lawsuit filed against.
Q. My neighbor’s kid is learning how to play the drums. He spends every evening and weekend banging on a drum set in their garage which is about 20 feet from my bedroom. If it continues much longer, I will become either deaf or crazy from the noise. I have asked my neighbors to have pity on me and to panel their garage with some sort of sound barrier but to no avail. What can I do?
A. You have the right to quiet enjoyment of your property and the noise coming from next door is a private nuisance. If your neighbors are unreasonable, you should consider filing a lawsuit for nuisance. Maybe you should approach them again and let them know that you are thinking about filing a lawsuit if they do nothing to protect your sanity or your hearing. You need to calmly approach them and explain how serious the nuisance is. If you have other neighbors who are disturbed by the noise, you should pair up with them in filing your lawsuit. . .
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #57 Help Avoid Consumer Debt - Make A Budget
HELP AVOID CONSUMER DEBT - MAKE A BUDGET (Date: 10/13/06)
By: Maxine de Villefranche
As an attorney doing family law, I see the state of total disarray in many people's personal finances during the initial consultation. A common problem is that these people have no idea what they spend each month and don’t realize they’re often spending more than they earn. Many of them have numerous credit cards, and many people filing for divorce, among others, have $50,000 or more in credit card debts.
When you are sick, you pay careful attention to the medicine that the doctor prescribes. When you’re on a diet, you pay attention to the food you eat and weigh yourself every day. Yet most of us don't track how much we spend each month. You may know how much you spend on fixed bills like rent, but chances are that you don’t know to the nearest $100 how much you spend in total.
A budget is essential to taking control of your finances. Maybe there is a place you can tighten your belt. Maybe there isn't. How do you know where to cut back if you don't even know what you're spending?
Try this for one week (or better yet, for a month): you don't need to track every penny, but why not track every dollar you spend during the day? Save your receipts and jot down your daily expenditures. Keep a running tab so you know your month-to-date spending every day. When given a choice, use your debit card, not cash. Keep your debit receipts to make tracking easier and to make your spending more visible.
The biggest enemy of spending control is the ATM. You will be surprised how many "little things" gobble up those $40 withdrawals: cash for Starbucks here, cash for a donut or a muffin there. You then pay with cash as you go out for lunch, and there goes another $10 and it's not even 2 p.m. yet!
Once you make the commitment to track your spending, you can see where you can cut back if you need to. Give yourself an allowance of spending money: one ATM withdrawal of cash per week. Make that $20 or $40 last the whole 7 days. Make the commitment to spend no more cash than absolutely necessary. And continue to track each dollar.
You can't fix the problem until you know what the problem is. Knowing your spending can help you cut back where there is waste. Most importantly, adjusting your spending can help you meet your ultimate goal of saving money to pay off your credit card bills, a down payment for your own home or pay off your home sooner, or for your retirement. Adding $100 to your monthly mortgage payment, or to your car payment will pay either that much sooner. Making a larger payment than just the minimum payment will help you save a lot of money on interest on your credit cards too.
By: Maxine de Villefranche
As an attorney doing family law, I see the state of total disarray in many people's personal finances during the initial consultation. A common problem is that these people have no idea what they spend each month and don’t realize they’re often spending more than they earn. Many of them have numerous credit cards, and many people filing for divorce, among others, have $50,000 or more in credit card debts.
When you are sick, you pay careful attention to the medicine that the doctor prescribes. When you’re on a diet, you pay attention to the food you eat and weigh yourself every day. Yet most of us don't track how much we spend each month. You may know how much you spend on fixed bills like rent, but chances are that you don’t know to the nearest $100 how much you spend in total.
A budget is essential to taking control of your finances. Maybe there is a place you can tighten your belt. Maybe there isn't. How do you know where to cut back if you don't even know what you're spending?
Try this for one week (or better yet, for a month): you don't need to track every penny, but why not track every dollar you spend during the day? Save your receipts and jot down your daily expenditures. Keep a running tab so you know your month-to-date spending every day. When given a choice, use your debit card, not cash. Keep your debit receipts to make tracking easier and to make your spending more visible.
The biggest enemy of spending control is the ATM. You will be surprised how many "little things" gobble up those $40 withdrawals: cash for Starbucks here, cash for a donut or a muffin there. You then pay with cash as you go out for lunch, and there goes another $10 and it's not even 2 p.m. yet!
Once you make the commitment to track your spending, you can see where you can cut back if you need to. Give yourself an allowance of spending money: one ATM withdrawal of cash per week. Make that $20 or $40 last the whole 7 days. Make the commitment to spend no more cash than absolutely necessary. And continue to track each dollar.
You can't fix the problem until you know what the problem is. Knowing your spending can help you cut back where there is waste. Most importantly, adjusting your spending can help you meet your ultimate goal of saving money to pay off your credit card bills, a down payment for your own home or pay off your home sooner, or for your retirement. Adding $100 to your monthly mortgage payment, or to your car payment will pay either that much sooner. Making a larger payment than just the minimum payment will help you save a lot of money on interest on your credit cards too.
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