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Find Out What Other Financial Educators and Counselors Are Saying...
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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