Access Money Habitudes Online:

Different Versions

What are the different versions of Money Habitudes?

Play Money Habitudes using a physical deck of cards or online. All versions of Money Habitudes have the same six Habitudes and the same format. Sort a series of 54 statements, such as “When shopping, I have to buy something” or “I will spend a lot of time and energy to get a better deal,” based on whether they describe you or not. Your pattern of answers reveals if you have dominant Money Habitudes and your combination of habits and attitudes related to money. There are no pictures of people or gender pronouns in any version of Money Habitudes to be as neutral as possible and avoid any unintended associations.

There are four standard decks of cards:

  • Teens – intended for high school age students 15-18.
  • Money Habitudes II – for young people becoming independent, typically 18-25 (college students, military, workforce development, exiting foster care)
  • Adults – people who are earning and managing their finances.
  • Spanish (adult version) –Even if people speak English, they often prefer to use Spanish cards if that is their native language.

If you are primarily using them with one age group, it is recommended that you order the cards most appropriate for that age level.  If you are using them with different ages or doing parent and teen programs, Money Habitudes II is the best choice.

The four standard decks can be branded with your logo on the box and one card inside with your logo and text. Customized cards are available for the Marines, a general military deck, and in Canadian English.  All branded and customized cards require a minimum order of 100 decks. Contact us for more information about customizing cards.

An Australian version and a deck in Bahasa (Indonesian) are available through distributors in Australia and Singapore.

Online Version

Currently, the adult version is the only version available online.  (It has been used successfully with tens of thousands of high school and college students.)

Both the administrator and the individual can immediately see the results and the report when completing the game, and they can access it at a later date. The account administrator’s dashboard makes it easy to see who has completed the game and access their reports at any time.  Benefits also include optional add-on features such as:

  • Branding: Add your logo to the sign-in screen and the report cover. Contact us for additional customization.
  • Professional’s report:  See individual’s responses to each statement for working one-on-one and with couples.
  • Research report: An Excel spreadsheet report with all of the responses of your participants for analytical review.
  • Anonymous users: The Administrator can still access reports. (Users cannot access reports at a later date.)
  • Higher-Ed Student pays: Instructors get a free administrator’s account and give students a code to pay a discounted fee to play.
  • Withhold Full Report: Clients play and see the quick report but the professional they are working with provides the full report when they meet.  Also used for marketing. The user provides contact information or has a contact before receiving the full report.
  • Customize Next Steps and other features: Replace or revise the Next Steps part of the report to be more specific to your clients. You can include specific resources, programs, and information to help them meet their goals within the context of your organization.  Contact us for more information or additional customization.

Cards Vs. Online

Both the physical cards and the online version have pros and cons. One is not better than the other. It is simply a matter of personal preference or logistics.

  • Setting: Choose cards if internet service is not available or reliable. The online version makes it easier to work virtually with clients and students, work with couples who are living in different places or assign the activity to students or clients to do on their own.
  • Convenience: The cards require taking them with you which can be inconvenient if you’re working with larger groups. They also require being checked to be sure no cards are missing. The online version allows you to easily send individuals or large groups a link to play.
  • Statement Placement: Cards allow people to go back and see which statements they put in which pile. That information is not available online. (An optional professional report, which includes individual responses to each statement, can be shared with clients and is primarily used for one-on-one and couples work.)
  • Reuse and Sharing: If clients keep their cards, they can go back over them on their own, reuse them, or share them. Unless a client purchases or receives another code, they cannot retake it or share the online version.
  • Cost: The online version costs less per person. Despite higher initial costs, organizations realize minimal per-use expenses when reusing decks with multiple groups over time. The cards, especially when branded, make an excellent take-away. Without keeping the cards, there’s no tangible takeaway, only a handout with results and notes. The online version offers a comprehensive report for future access.
  • Instructions: Each deck includes one card with simple instructions for sorting and interpreting the results. Playing online is faster. Responding to statements and sorting are intuitive in Money Habitudes Online. Clicking to complete the sorting automatically scores the results without the need for instructions.
  • Experience: People like the hands-on interaction when they are shuffling and sorting the cards. They appreciate the visual impact of turning over the cards to see their chosen counts in each Habitude category. Some people like the online interaction of clicking and prefer using electronic devices.
  • Interpretation: Online comes with a quick report with the results and some general information followed by a very robust, individual report. Some people love the report. The online report mirrors interpretation cards but is customized based on selected statements in each Habitude, offering additional information.  Other people find the report too overwhelming and prefer the simplicity and open-ended feeling of the interpretation cards.
  • Application: If someone wants to make changes, the back of the interpretation cards for each Habitude has suggestions if a person is overusing it.  The online version has suggestions for both over and under-using Habitude.