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Versions

Which version of Money Habitudes is right for you?

Money Habitudes is a game-like toolkit in the form of a deck of cards. The simple but effective tool is used as a conversation starter, an ice breaker, a money personality test, and a stand-alone activity or a module as part of other programs or in counseling sessions. Which version of Money Habitudes™ cards to use?

  • Money Habitudes for Adults: Generally used with people age 25 and older.
  • Hábitos Monetarios: Money Habitudes (for Adults) in Spanish.  (Can be used simultaneously with Money Habitudes in groups including both English and Spanish speakers.)
  • Money Habitudes II: for young adults 18-25.  It is the most versatile for mixed age groups.  It is recommended as the best deck when working with college, the military, teens who are living more independently and people starting out. They work well when used in inter-generational programs, family groups and in situations such as the military, college and community programs where most of the people are in their twenties, but older adults and teens are also included.
  • Money Habitudes for Teens: for high school age teens.

How all versions are the same:

  • Formatting, directions and use.
  • Color-coding:
    • Green card (directions to play Money Habitudes Solitaire)
    • Blue cards (three sorting cards for Money Habitudes Solitaire)
    • Yellow cards (two general interpretation cards and an interpretation card for each of the six Habitudes with suggestions for next steps on the back)
    • White statement cards (54 cards divided by nine statements for each of the six Habitudes on the front, coded by pictures for each of the six Habitudes on the back.)

Differences between the versions

  • Graphics:
    • The Adult versions in English and Spanish cards use the same simple, colored line drawings.
    • Teens and Money Habitudes II use more contemporary, colorful pictures which are the same except for the Status card.
  • Habitude names:
    • Spontaneous, Status and Security are the same in all cards.
    • Targeted Goals, Selfless and Free Spirit in the adult cards become Planning, Giving and Carefree in the Teen and Money Habitudes II versions.
  • Statements: Wording is changed to be age appropriate and some statements are eliminated or replaced for the same reason.Teen cards mention parents more frequently as opposed to friends and family. Examples of differences below:

Two typical side-by-side comparisons of the same card in the different versions are as follows:

Money Habitudes for Adults: I am very careful to keep up a good front and never let it show when I am having money problems, even if it means spending money when I really can’t afford it.
Money Habitudes II: I never let anyone know if I’m out of money. I just pretend I forgot to bring money or charge it to my credit card.
Money Habitudes for Teens: I never let anyone know if I’m out of money. I just pretend I forgot to bring it.
Money Habitudes for Adults: We only live once so it is important to seize the moment and not worry about the cost.
Money Habitudes II: I always spend some money when I’m someplace where things are for sale.
Money Habitudes for Teens: When I go shopping or hang out at the mall or downtown, I always spend some money.

Companion materials

Money Habitudes Guide for Professionals This 100-page guide is the most complete guide for working with and interpreting all version of the Money Habitudes cards. While it is written for the adult version, the content is applicable to the other versions. It includes all the information in the other guides.

Couples Guide When couples use Money Habitudes (for adults) on their own, this concise guide provides greater depth and helpful activities that go beyond the instruction card included in the deck. The guide is written for the adult version.

All activities are designed to provide non-judgmental conversations and suggestions are included to remind couples how to discuss difficult issues.

My Money Habitudes This workbook allows individuals to record their results and provides additional activities to go beyond the instructions included in the deck.  Perfect for providing a take-away from a workshop or for an individual to work independently.  Can be used with adults and Money Habitudes II.  The activities also supplement the information in the Training DVD.

Money Habitudes training DVDTraining DVD The DVD is a training tool for facilitators and trainers.  It includes (1) how we develop our Money Habitudes, (2) how to play Money Habitudes Solitaire, (3) how to interpret the cards and (4) next steps.  The adult version is pictured in the DVD but it can be used by facilitators for any of the versions. This can be used to provide training background for a facilitator and any section can be used with clients in a training session.

Teen CurriculumThis curriculum and its materials are the result of a partnership with the well respected Dibble Institute. The materials introduce teens to the human side of money and make the material engaging and relevant to their lives.

Which version of Money Habitudes™ is right for you?
 

Money Habitudes is a game-like conversation starter in the form of a deck of cards. The simple but effective tool is used as an ice breaker, a standalone financial or relationship activity, or a module as part of other trainings or classes.
There are four versions of Money Habitudes™ cards:

  • Money Habitudes (for Adults)
  • Money Habitudes (for Adults) in Spanish
  • Money Habitudes II for Young Adults (18-25)
  • Money Habitudes for Teens (High School)

All of the versions are used in the same ways. Each has 54 statement cards divided among six Habitude types. While the cards get at the same habits and attitudes around money and use very similar wording, the versions are slightly different. The red-and-white packaged adult version of Money Habitudes (and the Spanish version for adults) features more traditional graphics and wording that speaks to an audience typically older than 25. Money Habitudes II for Young Adults (in silver packaging) and the Teen version (in a purple box) feature hipper graphics. The Money Habitudes II and Teen versions also have a few different Habitude category names and wording within the statement cards that is more appropriate to a younger audience, both in terms of tone and context. The versions for young adults and teens are very similar; they tend to have more specific examples and speak to an audience that often has a more limited experience with spending, saving, investing and the like. Money Habitudes II is used by college and military audiences and younger people who are more independent. Money Habitudes for Teens should be used with a high school-aged audience. Two typical side-by-side comparisons of the same card in the different versions are as follows:

Money Habitudes for Adults: I am very careful to keep up a good front and never let it show when I am having money problems, even if it means spending money when I really can’t afford it.
Money Habitudes II: I never let anyone know if I’m out of money. I just pretend I forgot to bring money or charge it to my credit card.
Money Habitudes for Teens: I never let anyone know if I’m out of money. I just pretend I forgot to bring it.
Money Habitudes for Adults: We only live once so it is important to seize the moment and not worry about the cost.
Money Habitudes II: I always spend some money when I’m someplace where things are for sale.
Money Habitudes for Teens: When I go shopping or hang out at the mall or downtown, I always spend some money.
Adult Habitudes Young Adult Habitudes Teen Habitudes
Targeted Goals Planning Planning
Status Status Status
Selfless Giving Giving
Security Security Security
Free Spirit Carefree Carefree
Spontaneous Spontaneous Spontaneous
Companion materialsMoney Habitudes Guide for Professionals This 100-page guide is the most complete guide for working with and interpreting Money habitudes cards. While it is written for the adult version, the content is applicable to the other versions.Teen Guide for Educators, Youth Leaders and Counselors This guide is specific to using the cards with teens. It does not provide as much in-depth background to using and interpreting the cards but does include five lessons plans that cover the idea of Habitudes, using the cards, setting goals and planning for success. Each guide comes with a code to go online and access all the activities, which can be copied or adapted.Couples Guide When couples use Money Habitudes on their own, this concise guide provides greater depth and some helpful activities that go beyond that included with all of the decks. The guide is written for the adult version.Instructional DVD The DVD and its modular activities may be used as an on-demand presentation for groups, or it may simply be used as a training tool for facilitators and trainers. It should be used with the adult version but may be helpful for facilitators to do on their own when first learning about all of the versions. The Viewer’s Guide workbook accompanies the DVD.Viewer’s Guide workbook The workbook is meant to be used with the DVD but the activities may be used on their own, in conjunction with Money habitudes cards for adults.