Access Money Habitudes Online:

Grant Funding

Money Habitudes has been already included in a wide variety of grant-funded programs in areas including:

  • Bankruptcy education
  • Behavioral economics
  • Career counseling
  • Clear and consistent limit setting
  • Communication skills
  • Conflict resolution
  • Domestic violence programs
  • Empathy and emotional understanding
  • Enhancing family relationships
  • Financial capability
  • Financial education
  • Financial literacy
  • Investing
  • Life skills
  • Marriage education
  • Problem-solving skills
  • Psychology of money
  • Rebuilding and/or developing trust
  • Relationship education
  • Responsible parenting skills
  • Self-esteem building and assertiveness

Are you considering applying for a grant including Money Habitudes? You might find it helpful to examine how Money Habitudes aligns with national financial literacy guidelines. It includes boilerplate text and examples, but you can edit it to fit your own programs. Additionally, feel free to use the language below directly or adapt it to your grant applications:

Money Habits, Emotions and Behavior Change

Money Habitudes is a versatile, game-like tool that’s one part money personality assessment and one part money conversation starter. It’s a hands-on card game that helps build trust and rapport, even when people are anxious or resistant to discuss money. With a focus on the emotional, behavioral and attitudinal dimensions of personal finance, it’s used in a variety of programs. It is often paired with skills-based modules such as budgeting, banking, money management and conflict resolution. Exploring the emotional side of financial habits and attitudes paves the way for more effective behavior change.

Money is consistently ranked as the number one cause of conflict within couples and a top reason for divorce. Similarly, money issues are one of the most commonly cited triggers for domestic violence. Money Habitudes helps people, and couples, talk about money in a more effective, non-threatening way. Money Habitudes is an easy, interactive activity that is non-threatening and allows for self-discovery without judgment to get to the real underlying issues when money is thought to be the problem.

Most financial literacy programs discuss skills such as budgeting, managing credit and debt, and other nuts-and-bolts financial education topics, but don’t cover the emotional and practical issues that cause people to react in ways that appear to be irrational. Research by behavioral economists such as Dan Ariely, Ph.D., at Duke University consistently conclude that financial decisions are often motivated by emotional needs rather than logic. Money Habitudes cards help participants and facilitators uncover whether in-the-moment choices are motivated by emotional needs such as for instant gratification, status, acceptance, security, control, power, success, caring for others or being driven to reach goals. Because the results for each person are self-determined and unique to that individual, those insights are more relevant and powerful. It increases the likelihood he or she will be able to develop and execute strategies to overcome obstacles and stick to a financial plan more successfully.When it comes to economic stability and financial literacy, money management skills alone typically will not be enough to initiate or sustain behavior change. Money Habitudes can help users identify their behavioral patterns related to money, which can lead to personalized programs with higher success rates.

Additionally, Money Habitudes is an important sensitivity training and self-assessment tool for financial educators, money coaches, marriage mentors and other professionals working with members of the community, as it helps these professionals understand their own biases and better relate to those they serve

Exploring one’s financial habits and attitudes through Money Habitudes is as simple as playing cards. The activity can be used as:

  • An ice breaker or conversation starter (5-30 minutes)
  • A standalone class (30 minutes to 2 hours)
  • A module as part of a larger class (30 minutes to 2 hours)

Money Habitudes is often used as a first class in a series of financial education classes. After learning how they relate to money and make financial decisions, people often become more open and engaged on topics like budgeting, credit, banking, etc.

For best results, each participant should have his or her own deck of Money Habitudes cards or have completed the online version.


There are a number of different versions of Money Habitudes designed for different audiences: Adults (available in English, Spanish and a military version), young adults and teens.

All versions of Money Habitudes cards were designed to be easy to read and understand. All English versions were specifically written at a fifth grade reading level or below, according to the Flesch Kincaid formula, to make the activity easier to do with low-literacy audiences and to help it run faster for all audiences.Each deck contains 54 short statement cards, usually one or two sentences on a card.


Money Habitudes are priced to be affordable and easy to use without special certification. Prices are available in the online store. Additional support materials include a guide for professionals, a training DVD, workbooks, a couples guide, an instructor’s kit for teens, a guide for working with at-risk youth and a guide for therapists.Individuals can purchase the online version and discounted rates and subscriptions are available for those using them on an on-going basis or for events.

Bulk discounts are listed on the individual product pages under “buy in bulk and save.” Some products are packaged in sets for your convenience.  It is recommended that you purchase enough decks so each participant will have his or her own deck to use. That way everyone will get the personal results and insights that make this activity so effective. Similarly, each participant should have his or her own access to the online version. (Note: When possible, it is recommended that clients and students be allowed to keep their cards permanently. Many people use them over and over and share them with friends and family, increasing their value.)  It is possible to use only one or two decks of Money Habitudes cards to do some group activities, but that is very different than the personal experience that is so impactful.

The cards are durable, resulting in dozens or hundreds of uses per deck over time, thereby lowering the per-participant cost of Money Habitudes to less than a dollar. Notably, the physical cards can be used in a variety of programs within one organization. For example, one community agency might use the same set of twenty decks of cards in a budgeting workshop, entrepreneurship class, life skill seminar for prison reentry, couples communication classes and more.

Unlike some other educational tools, Money Habitudes does not require any additional funding for training or certification.

Research and Case Studies

For case studies demonstrating how Money Habitudes has been used by other organizations, please explore the other sections of the “Professional Use” section of this website. For example, the page on financial advisors contains real-world case studies from financial professionals, the page on relationship counselors provides real examples from organizations that successfully used Money Habitudes to aid in relationship counseling, and so on. You may find a case study specific to your own grant program, or some of the examples may spark new ideas about how you might use the cards. Providing on-the-ground case studies may also bolster your argument for grant funders by demonstrating that the cards have already been used in similar programs. We are also always happy to talk with you and put you in touch with others who are using Money Habitudes in a situation similar to yours.

Here are selected studies, research and academic endorsements for Money Habitudes:

A sample of successful prior grantees :

Outside of specific grant funding, a great many organizations and agencies use Money Habitudes in classes and counseling. These broadly include banks and credit unions, homeless shelters, housing agencies, colleges and universities, faith-based marriage programs, high schools and after-school programs. Examples are:

  • 4H
  • Air Force Airman & Family
  • Army Community Service
  • Catholic Charities
  • Community Action Agencies
  • Cooperative Extension
  • Habitat for Humanity
  • Head Start
  • Marine Corps Community Service
  • Navy Fleet & Family
  • NFL
  • United Way
  • YWCA

Money Habitudes has been covered in consumer and trade publications as well as in academic journals. A list of selected media coverage is available in the press section.