OK time for a reply to ACTUALLY HELP YOU !
This may sound harsh and abit insulting but telling it like it is, honest as it comes
Ok simple as really, shes 18 (thats 18 !!) still very young, and was still a child less than a year ago.
Her mother who you say is also skint agress with her, BECAUSE she is skint 2, is her mother married?
It sounds a lot like my mate and his ex, she was an 18year (worked in a hairdressers actually!) old chavvet/*****/townie chick, with a skint mother who had her when she was 18, and they use there 'femenine' ways i.e. moan, shout at you/put you down when they carnt get what they want, they think that going out with u and sleeping with u is the be all end all, so you should do anything.
GOOD FOR YOU ! your telling her the truth, and the truth hurts, being 18 with a mother like that she will not have an idea of what the value of money is, and expects everything to be givin to her, i reckon her mother gets handouts from the gov.
Move on, and upwards my friend, a true and honest person would agree and say yes your right, its my own fault for not saving.
Your only young yourself, but keep that wise head on your shoulders and stand by your morals.
Its all a psycological, wealth, upbringing and background issues, in a certain influence of each it tends to produce money grabbing dishonest people, who will say/do anything to get what they want