What is a “habitude”?

A “habitude” is the automatic or subconscious thoughts and feelings (attitudes) and behaviors (habits) that are ingrained in our minds over time and influence our decisions and actions.

What is the purpose or goal of Money Habitudes cards?

Money Habitudes cards are designed to help people talk about money and understand the habits and attitudes that influence their actions and decisions regarding money.

Why would professionals use Money Habitudes cards?

  • Money Habitudes cards are a powerful tool to help initiate dialogue between a professional and his or her client(s). They easily go beyond initial assumptions based on superficial data and appearances without the professional having to ask probing personal questions.
  • They’re very effective as a shortcut to access relevant, often hidden, information in a quick, fun, non-threatening way.
  • And, they allow the professional to gain insight on how to successfully approach a client and identify triggers that will be relevant and motivating.

What makes Money Habitudes cards so user friendly and non-threatening?

  • Designed as a familiar deck of card cards, they are associated with an enjoyable, social activity for both men and women, so people relax and engage more quickly.
  • The game-like format is not associated with negative test-taking experiences.
  • The language on the cards is non-judgmental, jargon free and free of gender bias.
  • Each Habitude has advantages and disadvantages. All the Habitudes are positive and overusing or missing any Habitude can be a challenge.
  • There are no right or wrong responses or combinations of cards so there are no winners or losers.
  • Everyone is a combination of different Habitudes so there is no labeling.
  • They are so easy to use all the directions fit on one playing card.

Who uses Money Habitudes cards?

There are a variety of different user types and uses for Money Habitudes:

Financial professionals:

  • To gain insight into an individual’s patterns of behaviors and values that influence decisions about investing, saving, spending, giving money away and going into debt.
  • To provide a quick, non-intrusive way of discovering if a couple’s Money Habitudes balance, complement or conflict with each other’s.

Counselors, therapists and coaches

  • To explore a client’s relationship with money and determine how that may influence their actions regarding their career, relationships, transitions, and other life issues.
  • Since the relationship with money can be a metaphor for the person’s relationship with other life issues, the cards can provide a shortcut to other issues.

Individuals use the cards to understand how they can take charge of their financial future and see where old habits and attitudes may be supporting or sabotaging their intentions.

Couples use the cards to understand where they complement and conflict with each others’ habits and attitudes, which gives them a strong foundation to talk about important financial issues productively, using the non-judgmental, common language provided by the cards.

What is included in the deck of Money Habitudes cards?

Every deck is a complete toolkit and includes: (1) a green instruction card, (2) three blue sorting cards, (3) eight yellow interpretation cards (two general and one for each Habitude with suggested activities for change on the back) and (4) 54 statement cards coded on the back with a colorful picture to identify the Habitude with which it is associated.

We offer a wide selection of packages and bundles that give you everything you need.

Are Money Habitudes cards easy to use?

Absolutely! Money Habitudes are user friendly and intuitive. Each deck also comes with a “quick-glance” instruction sheet or card and guides are available with more comprehensive, detailed information.

  • The Professional Guide includes effective suggestions for a number of ways to use Money Habitudes cards with individuals, couples and groups.
  • The instruction and training DVD is an audio visual tool that supports the Money Habitudes cards.
  • The Viewer’s Guide is a workbook that guides the user through the process and can be used by individuals. It can be used with the training DVD.
  • The Couple’s Guide is designed to help couples through the process of working with the Money Habitudes cards and offers ideas and suggestions for discussions and a positive sharing experience.
  • The Teen Guide provides educators, youth leaders and counselors five lesson plans which can each be used as five stand-alone lesson plans or combined for a more in-depth program of five classes or a half-day program. They can be used in-conjunction with programs in financial literacy, life skills, psychology or business to help teens develop a healthier relationship with money.

Money Habitudes cards can be used to do a number of activities, the most common of which is Money Habitudes Solitaire. It’s as easy as 3 basic steps. To give you an idea of how simple and intuitive it is, here are the steps:

1) Shuffle the 54 statement cards. Place each card under the blue sorting cards (“that’s me,” “that’s not me,” “that’s sometimes me”) depending on what the card says. (The teen cards are the same format, but the words and graphics are teen-friendly.)

2) Flip the cards over in the “that’s me” pile and sort them by the colorful pictures on the back.

3) Use the yellow interpretation cards to understand your Habitudes, starting with the Habitude that you have the most cards for.

Are the cards valid and reliable?

Money Habitudes cards are intended to engage people in conversation and to stimulate exploration of habits and attitudes about money from different perspectives. The categories are well researched. However, the cards are not intended to be a serious assessment or psychological instrument with which to categorize or diagnose individuals. The categories and statements are based on the most common themes, patterns and findings in current financial and psychological research. Data collected during focus groups and from professionals who reviewed the cards during their development indicated that people typically did identify with the outcomes of their card sort. However, the more important point was that even when someone disagreed with or questioned the results, the conversation and information from that exchange provided helpful insights.

How much time does the Money Habitudes card activity take?

It typically takes less than 15 minutes for an individual to do the Money Habitudes Solitaire card sort. Beyond that, interpreting the cards takes another 15 minutes and discussing them takes as much time as the user is interested in dedicating to the activity and determining next steps. The benefits of understanding or even simply thinking about one’s Money Habitudes, however, last indefinitely.

How many decks of Money Habitudes cards do you need?

Although Money Habitudes cards can be shared, it’s more powerful and time efficient for each person to have his or her own deck – whether working with individuals, couples or groups. This is because people are more engaged and invested in the conversation if they have their own outcomes and it runs more smoothly when everyone sorts and interprets the cards together. However, the Professional Guide offers suggestions for large and small group activities and discussions using a deck using fewer decks of cards.

Do you need training to use the cards?

There is no formal training or certification required, but professionals do need to become familiar with the cards and the guides. Individuals and couples can work directly with the cards. Several guidebooks and a workshop/training DVD are available to walk you through the steps and go deeper into the issues and options. Training workshops are available.