Money Habitudes for Teens gets high school students to talk about money in a fun, non-threatening way. The hands-on conversation starter and money personality assessment helps teens understand their own unique spending habits and attitudes that affect their financial decisions.
Geared for teens (ages 15-18), this money personality activity is often used in high school classes, after-school and youth programs related to personal finance, economics, entrepreneurship, business and life skills). They are a popular activity for 4H, job readiness seminars, life skills programs and summer camps. The cards are part of the Money Habitudes high school financial literacy curriculum which won a 2012 Excellence in Financial Literacy Education Award from the Institute for Financial Literacy.
Effective money management is really about making wise choices, controlling impulsive behavior, seeking acceptance, avoiding rejection and feeling empowered to plan for the future. The positive way the cards present these issues help teens develop a healthy relationship with money so they are able to to successfully manage money now and in the future. They can be used in conjunction with courses in financial literacy, couples/family counseling, career development and life and relationship skills.
To use the Money Habitudes deck of cards, you simply complete an easy sorting process that takes 10-15 minutes. Interpreting and discussing the results can take just a few minutes or may be structured from 10 minutes to many hours. At a glance, you and the teens will get easy-to-understand, powerful insights about the teen’s money personality. By using the interpretation cards, teens will gain valuable clues about their thoughts, feelings and patterns of behavior that influence money choices as well as impact relationships, career and educational choices
Generally, what educators like about Money Habitudes cards is they:
- Are easy to learn and easy to teach.
- Are interactive and make for a welcome alternative to lectures, workbooks and PowerPoint.
- Get beyond budgets to begin important conversations about the interaction between lifestyle, values and finances.
- Complement other programs (e.g., budgeting, communication skills, life skills, entrepreneurship, etc.) and can be used as an icebreaker, integrated module or standalone activity.
Often described as an instructional game or money management games, each deck of cards includes:
- 3 blue cards: One side has Thinking Points/Discussion Ideas and the reverse has sorting cards for playing Money Habitudes solitaire.
- 1 green card: One side has directions to play Money Habitudes solitaire. The other side has questions for additional discussion and taking next steps.
- 8 yellow interpretation cards for understanding the six Habitudes and what they may mean. Each Habitude has its own interpretation card which includes a motto, a description of how others may see a person with that Habitude and typical advantages and disadvantages associated with that Habitude. On the back of each card are suggestions for next steps.
- 54 white statement cards – Each of the six Habitudes has nine corresponding statement cards. Each is coded on the back with a colorful picture to identify the Habitude with which it is associated.
Valid results with the most powerful personal impact require using one deck of cards per person. Therefore, a class of 20 teens will need 20 decks of cards.
When possible, it is suggested that students keep the cards to have discussions with their friends and family members. However, the cards are very durable and can be used over and over.
How to be Rich in Life and Love is the teen curriculum that was created in partnership with the Dibble Institute. Money Habitudes is endorsed by the Institute of Consumer Financial Education and included in the national Jump$tart Clearinghouse.
- Weight: 0.2 lb
- Width: 2.56 in
- Depth: 0.75 in
- Height: 3.56 in
- ISBN: 9780974253183
- Author: Syble Solomon
- Year/Version: 2017
- Ages: Teen (14-18)