Talking About Money in a Youth Employment Program

A national nonprofit based in San Francisco, MyPath reaches 4,000 youth each year, ages 14-24, in California, Nevada, Washington, and Missouri through more than 50 partner sites. The organization focuses on building economic pathways by integrating banking and saving into youth employment programs. A key part of MyPath’s model is to work with low-income youth […]

Overcoming the social stigma of getting financial help

Social stigma plays a big role in whether people seek out financial coaching, counseling or education. Social stigma also plays a part in whether people feel good while getting financial help. Money Habitudes is often employed in a manner to help minimize or alleviate the perceived stigma, shame or embarrassment of seeking financial help. Typically, […]

Financial Opportunity Centers: dialogue with financial coaches, clients & funders

The Issue: How to create a productive connection between financial coaches and coaching clients at Financial Opportunity Centers. And how to demonstrate the intricacies of a financial coaching program to funders. Who: Valerie Moffitt is a Program Manager with Local Initiatives Support Corporation (LISC) in Toledo, Ohio. What: Nationally, LISC supports Financial Opportunity Centers (FOCs) […]

financial coaching v. financial counseling v. financial planning v. financial education

What is financial coaching? Is it the same as financial counseling or financial planning? Are those different from financial education? It’s a pretty basic question of financial terminology, but an important one. After all, these terms – financial coaching, counseling, education and planning – are often used interchangeably. A recent paper on the topic by […]

An innovative peer teaching financial education program for kids

The Issue: How to develop a scalable peer teaching financial literacy program that’s fun and easy enough for kids to teach other kids. Who: Amanda Christensen is an Extension Assistant Professor with Utah State University and a 4-H & Youth Programs Educator with Morgan County Extension. What: Christensen, Dave Francis, Zuri Garcia and Stacey MacArthur, […]

Emotional triggers and financial stress

Financial stress is serious.  It was identified as the number one cause of stress in a 2009 study by the American Psychological Association. Financial stress is associated with increases in: suicide attempts and suicide rates physical illness divorce rates domestic violence poor cognitive decisions. (Financial stress is also associated with a decrease in productivity in […]

Making financial classes for women more engaging

The Issue: How to make financial classes for women more engaging and welcoming while providing valuable skills for handling money. Who: Emily Adams is an agriculture and natural resources educator with Ohio State University Extension Service in Coshocton County. What: Adams runs Annie’s Project in Coshocton County. She also runs a follow-up financial education program […]

5 Tips for More Fun and Effective Financial Classes

Do you feel like you have so much information to share that you need to make the most of every moment when you teach financial education classes? Research has shown us that how we teach may be more important than how much we teach. Here are five tips to get the most bang-for-your buck when […]

A credit board game to teach credit classes

A credit board game is included in The Good Credit Game, a credit curriculum kit. The Road to Good Credit is a credit board game that helps make credit classes fun and hands-on. Teach a credit class with a credit board game The credit curriculum is divided into two major sections. The first section helps people learn […]

A new credit curriculum to teach a credit class

Building on the popularity of Money Habitudes, we’ve just released The Good Credit Game. It’s a credit curriculum kit that makes it fun and easy to teach credit classes. The Good Credit Game covers credit reports, credit scores and credit cards. A credit curriculum that’s fun to teach One of the things that financial educators […]

Financial literacy for college student financial aid

Money Habitudes is used by colleges and universities in to promote financial literacy for college students. It may be a student financial aid office running a financial aid workshop or using the tool in financial counseling sessions. It’s also used in a number of colleges’ peer financial counseling programs. And it’s used in residence life […]

6 tips for Financial New Year’s Resolutions

One of the top New Year’s resolutions is always improving one’s finances. Of course, we do a lot of thinking about how people relate to money so we wanted to share a few thoughts … Be specific with your financial New Year’s resolutions. Instead of, “I want to pay off my debt this year,” restate […]

An adult continuing education financial program for auctioneers

The Issue: How to add interesting, engaging content to a continuing education financial program. Who: Zona Hutson is an Extension Agent with WVU. She works in Doddridge County, West Virginia. What: WVU Extension Service teaches a recertification class for the state’s auctioneers. Hutson has been teaching the auctioneers’ course for 15 years. Money Habitudes is […]

Financial education program for bogus check writers

The Issue: How to help people understand their financial attitudes and spending habits in a fun way in a financial education program. Who: Susan Routh is an Extension Educator in Family and Consumer Sciences in Grady County, Oklahoma. She also serves on the executive board of the National Extension Association of Family and Consumer Sciences […]

Career workshop on money personality and spending habits

Organizations use Money Habitudes in a variety of ways. This is an example of how the money personality tool is used in a career class. The workshop write-up is provided by Amy Mazur, a career counselor at Career Moves, a division of JCS in the Boston area.

An Improved Series of Financial Classes for TANF

The Issue: How to make TANF financial classes more approachable and effective. Who: Sonya McDaniel, CFLE, is an extension educator who focuses on family and consumer science in Pottawatomie County, Oklahoma. What: McDaniel runs a series of financial classes for the county’s TANF (Temporary Assistance for Needy Families) program. A federal program through the Department […]

financial capability grant: housing, emergency assistance & workforce development

This financial capability grant announcement is applicable to many Money Habitudes users who are doing work in asset building. CFED, in partnership with Bank of America Charitable Foundation, is soliciting applications from organizations interested in joining an eighteen-month Intensive Learning Cluster to integrate financial capability into social service programs in the following sectors: housing workforce […]

Teaching financial management to young kids

Our Money Habitudes materials help people teach financial management to adults and teens. Because the hands-on activity is used like money management games, we’re often asked if there is a version for young kids. The Money Habitudes for Teens version is designed for high school students, typically ages 15-18. Using the cards requires that one […]

Finance in the Classroom

Money Habitudes is now recommended as a resource in Finance in the Classroom. Finance in the Classroom is a service of the Utah State Office of Education and the Utah Education Network. Finance in the Classroom supports Utah’s initiative to include a financial literacy course as a high school graduation requirement. The state is also […]

Date-night relationship classes for couples on money

The Issue: How to cover finances in a series of relationship classes – but in a way that’s fun enough to feel like a date. Who: Kylee Miller is a project manager at Marriage Matters Jackson, in Jackson, Michigan. The relationship education organization is housed at the United Way and was originally supported by a […]

Lunch class on financial education

The Issue: How to cover finances in relationship education classes. In addition, how to attract new people and increase attendance in relationship classes. Who: Kylee Miller is a project manager at Marriage Matters Jackson, in Jackson, Michigan. The relationship education organization is housed at the United Way and was originally supported by a federal Healthy […]

Teaching personal finance in relationship skills classes

The Issue: How to include personal finances in a relationship skills curriculum that stresses fun, interactive activities that lead to people really understanding and changing their behaviors. Who: Kara Shade is the Director of Adult Programs at Anthem Strong Families in Dallas, Texas. What: Anthem Strong Families provides relationship education and life skills in the […]

Communication skills in relationships

We talk a lot about the right way to talk about money. After all, money is one of the hardest topics for people to talk about. But, what happens when you don’t have a good interaction around money? There are bound to be upsets in any relationship. (That’s true for other flashpoints in addition to […]

Financial habits, attitudes, behaviors in money classes

The Issue: How to start a series of money classes with an engaging session that covers financial habits, attitudes and behaviors. Who: Jean Dempster and Janet Smith are Asset Development Trainers at Women, Work, and Community in Maine. Both have been teaching money management classes for more than 10 years. What: Women, Work, and Community […]

Bonus financial conversation starters for individuals, couples & counselors

Usually when people use Money Habitudes as financial conversation starters, they stick to the usual money personality instructions. In the typical solitaire sort, people get to see their money personality for how they are today. But, of course, our financial habits and attitudes change over time. Here are a few bonus financial conversation starters you can […]

Teaching personal finance to foster care youth

The new “Protecting the Credit of Youth in Foster Care” guide recommends using Money Habitudes.  The foster care report was prepared for the Annie E. Casey Foundation by Jennifer Miller and Rebecca Robuck of Childfocus. A good resource for those working with youth in foster care, the report lays out why credit is such a […]

themes in marriage and finances statistics

We track and list marriage and finances statistics because they tell part of the story behind why people use Money Habitudes. After all, what marriage and finances statistics show is that money plays a big role in whether marriages are healthy or not. General themes in marriage and finances statistics One of the themes that […]

How to discuss money in a good way

It’s important to know how to discuss money. This is true if you are discussing money with a friend, sibling, parent, partner or spouse. It’s also important for professionals like financial planners, financial educators and therapists to be able to discuss money with clients and patients. How NOT to discuss money First of all, people […]

How to understand your spending behavior

Your spending behavior is how you regularly, almost automatically use your money. Of course, inherent in one’s spending behavior are the times when one does not spend, i.e., saving behavior. How does spending behavior develop? We all see and use money in different ways. As a result, everyone’s spending habits are a bit different. We […]

Teaching a better money class

If you’re a financial educator, how can you teach a better money class? Here are some tips. Tips to teach a better money class No matter if you’re working with adults or teens, a money class should be engaging. It doesn’t have to always be laugh-out-loud fun, but it can’t be boring. Unfortunately when people […]

Low literacy financial education materials

About a year ago, we started studying how to produce materials for low literacy audiences. (The result was our new version of award-winning Money Habitudes for Adults, released in November.) Why? We originally designed the Money Habitudes statements to be quick and easy to read. However, we didn’t anticipate how widely they’d be adopted. The […]

Tips: How to write low-literacy financial education materials

A few months ago, we released a new version of our Money Habitudes cards. This version is written with low-literacy financial education audiences in mind. All of the money personality statements were written at 5th-grade reading level or below. This enables them to be used with high-literacy audiences as well as low-literacy audiences. Low literacy […]

Workplace Financial Education for Employees

The Issue: How to offer an engaging first personal finance education class that appeals to students and partner organizations. Also, how to help attendees understand their underlying financial habits and attitudes. Who: Lindsay Ferguson is the Real$ense Prosperity Campaign program and services coordinator. Real$ense, an asset building coalition, is the Income Initiative of United Way […]

Tips: money games for adults in financial education classes

Money games for adults make learning about personal finance fun. Using adult games is a different than typical financial education classes. After all, it’s not much fun to fill out a budget worksheet. And listening to a financial lecture can be boring. That’s why so many financial educators use Money Habitudes in financial education classes. […]

Overusing the Giving Habitude – charitable money personality type

Money Habitudes cards help people understand their financial habits and general money personality. Money Habitudes are the six most common money types. The activity reveals your money personality and spending habits by showing you your own unique combination of those money types. All of the Habitudes are important but overusing any one of them can […]

Financial education classes and train-the-trainer for financial educators

The Issue: How to lay a foundation for financial skills by getting students to understand the role of habits, attitudes, emotions and behaviors in their own personal finances. Who: Saundra Davis is the executive director and founder of Sage Financial Solutions, an organization dedicated to helping communities develop financial education classes and programs. She is […]

Money Mentors Learn About Financial Behaviors to Relate Better To Clients

The Issue: How to train money mentors to understand how they see money – and how their clients may see money differently. Improve financial coaching. Who: Joanie Davis, Community Initiatives Director at United Way of Henry County and Martinsville. What: The United Way of Henry County and Martinsville is part of the HOPE (Helping Others […]

Credit Union Training on Financial Behaviors, Emotions and Attitudes

The Issue: How to train financial services professionals to easily understand the emotional and behavioral side of finance to better relate to financial clients. Who: Joanie Davis, Community Initiatives Director at United Way of Henry County and Martinsville. What: The United Way of Henry County and Martinsville is part of the HOPE (Helping Others Progress […]

How to talk about money: tips & advice

How to talk about money? Because it’s so difficult to talk about money, people often don’t talk about it. After all, it’s often said that people find it easier to talk about sex rather than talk about money. Tips about how to talk about money One of the big challenges is that people rarely talk […]

Psychology of Money – Money Personality

The psychology of money can be hard to understand. Why do we spend the way we spend? Why do we save? Why might two siblings see money so differently? What do you think about money? How do you feel about money? What influences the psychology of money? Although it’s a big topic, Money Habitudes makes […]