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Spanish Speakers
| Financial Educators and Counselors
| Financial Planners and Advisors
| Counselors, Coaches, and Therapists
Marriage and Premarital Educators
| Individuals, Couples, and Parents
| Teachers and Youth Leaders
| Business Consultants |
Military
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Financial Educators and Counselors
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When working with clients individually or through financial literacy courses, bankruptcy
education classes and money management training, you'll find the Money Habitudes
cards to be an easy, non-judgmental and non-threatening activity
that quickly provides important information and insights about your clients.
Money Habitudes cards appeal to even resistant individuals who do not want to be
in the class. People associate the cards with a familiar, enjoyable social
activity and engage more readily. This is a very different experience than using
a questionnaire which can be negatively associated with test taking or having to
answer intrusive questions. People like manipulating the cards so they relax, let
their guard down and are more open to having productive conversations. The cards
also provide non-judgmental language which makes it easier to discuss difficult
topics.
Money Habitudes Solitaire is the most frequently used activity. The deck of cards
includes 54 "statement cards" that are associated with one of the six
Money Habitudes: Security, Status, Selfless, Free Spirit, Targeted Goals and Spontaneous.
The client completes a simple sorting process, placing cards into piles identifying
behaviors as "like me," "not like me" or "sometimes like
me" (a process that takes about 15 minutes). At a glance, you and your client
will get a sense of the Money Habitudes that are dominant. By using the user-friendly
interpretation cards, you will gain valuable clues about thoughts, feelings and
patterns of behavior. The cards also include suggestions for next steps based on
each habitude.
Since every habitude has positives and challenges, people who have only received
negative comments about their spending habits are happy to see a positive side and
become less defensive. Conversely, people who are proud of being savers or planners
can also see areas where they may need to take a second look to achieve some balance.
This is particularly helpful when working with couples. Seeing both people's
card sort results typically reveals the dynamics of how the couple is functioning
and helps to quickly focus on the issues that are most important without finding
blame.
When individuals are very motivated to get a handle on their finances, Money Habitudes
can help them see where they are most vulnerable to sabotaging themselves. This
helps people set more realistic budgets and actively plan to avoid situations which
would derail them. For example, a person who has a dominant "spontaneous"
habitude may need to plan how to avoid shopping opportunities while a person who
has a dominant "selfless" habitude may need to discuss how much and when
they want to give money to help others and learn to say "no" in other
situations.
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I am having a ball with these cards! I've been using them in my Chapter 13 Bankruptcy
classes and they're a hit! - Nancy Blitho, Chapter 13 Educator,
Austin, Texas
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[Money Habitudes] cards bring the "humanity" to financial questions. Given
that many students see "right" and "wrong", and "black"
and "white" answers to finances - this really challenges them to remember
the family component. - Tricia French, SISIP Financial Services, Canada
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A unique way to help people who are struggling with debt to overcome their inhibitions
so they can open up and gain insights that will help them take control of their
money. [Click
here to read the entire Press in Print article.] - Sue MacGregor,
Mount Saint Vincent University
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Excellent for various community initiatives...comprehensive, varied, non-judgmental
and above all, fun... - Dr. Michael S. Engs, Counselor, Human Development
Education, Pima Community College, Tucson, AZ
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An interesting educational tool to help people who are experiencing money and credit
problems as well as couples with diverse perspectives on money matters.
- E. Thomas Garman, Author and Advisor, Professor Emeritus, Virginia Tech University
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