Hi, I would definitly remove the concept of punishment. In general by the way. I resent the parent-child relationship in which the parent is the controller of the child’s life. Parents are here to help us, even when we make mistakes. Even if they are damn-stupid one’s. And yes, sometimes they help us by helping us to learn a lesson, but not by punishment. Punishment only creates resentment, self victimisation (as opposed to taking responseability) and often misses the lesson because of that.
Specifically, it seems to me in this time Cara didn’t mean any harm to anyone, (on the contrary) and therefor should definitly not be punished.
However, she will have to be the one to face the results of her actions, and in this case, her frivolous behaviour.
I would suggest a sit-down conversation, when you explain to her exactly how much you need to work and what efforts do you go through to achive this kind of money, and explain to her that despite her innocence in sending these text messages, you dont feel you need to be the one paying the price for this frivolousness.
Then give her the option: in which ways does she want to retrive this money to you? make a descision together, let her follow the course she chose, and if you can, participate in some of the sum initially, just so she knows you are there for her when she makes a mistake and has to pay for it, and another part of the sum when you feel she has learned her lesson and can be released off the hook.
That way, she learnes the lesson, but still gets the message that she can be incharge (and responsible) for her own actions, and that you are there for her, as oppsed to against her.
If you just punish her, all she will be left with is “My stupid mom doesn’t want to pay and now i HAVE TO….” she will blame you, since she proabbly doesn’t know how hard one has to work toachieve such a sum, and you will only become estranged from her, being the aouthorative and punishing figure.