Money Habitudes: talk about and better understand money, finances

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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 materials

Money 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.