To get to self-direction, there are a few universal caveats for every one of the situations that follow. First, our children need to understand and agree with both the need for the furl and the consequence for breaking it. Only when they come to agree with our rules, through their own internal dialogue, will they become self-directed. Second, look to your own parenting strategy as the possible source of some of the problem. Are you over-controlling or over-protective? Either trait can elicit an externally directed response, as your children react to an unhealthy situation. Third, remember for all these parenting challenges how important it is for you as parents, to model the right behavior. If you're expecting your children to act one way and you act another, the double standard will throw a monkey wrench into their whole internal dialogue machinery.
And lastly, don't forget to laugh.
Why they do it
Children get busy and forget. Some just don't think about the effect they have on others. Some don't care. Some lose or break whatever they borrowed and hope that if enough time goes by, the object will be forgotten.
Logical consequences
If your children break or lose an item they borrowed, help them find ways to make amends, like earning money to pay for a new one or coughing up whatever it takes to repair the damages.
If your children forget to return something they borrowed, they certainly shouldn't be allowed to borrow that item again for awhile. Maybe they could make amends by letting the loaner borrow whatever he or she wishes in return. They could even be required to pay a small interest fee in either money or deeds.
Solutions toward self-direction
Have clear family rules and boundaries on this subject. First, there should be no "borrowing" without asking. Second, while objects are under their care, the borrower is responsible for whatever happens to the items borrowed, regardless of any "extenuating circumstances" (translation: lame excuses). Third, a mutual agreement should be made on when the borrowed item should be returned.
Use questioning: "What are our rules for borrowing?" "What do you need to do to make things all right between you and your sister?" "How does it make you feel when someone borrows your stuff without your permission?"
Use impartial descriptions and information: "I see you borrowed Tommy's bike without his knowledge. I bet he'd be pretty upset if he found out."
Never get involved with borrowing incidents involving your children and their friends or siblings. Let them find ways to work out any conflicts on their own. If they never get their item back, they learn not to lend anything to that person in the future and the other person learns that to be trusted, you have to be trustworthy.