Your Money Habits Discovered in a Deck of Cards!
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Your Money Habits Discovered in a Deck of Cards!

San Diego, CA.  More than a few consumers discover their bad money habits in a deck of cards dealt out by a blackjack dealers. Now comes LifeWise, a life planning training and consulting company, out with its new deck of cards called: Money Habitudes'. This unique deck of cards is an effective, novel approach that quickly reveal patterns of habits and attitudes about money which can support or sabotage achieving financial goals.

Syble Solomon is the creator of Money Habitudes. As a national speaker and the founder of LifeWise, she provides training to educate and encourage people to take personal responsibility for their actions and attitude today so they can create more options and opportunities for their future.

The Money Habitudes' cards are now available through the nonprofit Institute of Consumer Financial Education (ICFE) and are in use by financial, credit and debt counselors with individuals, couples and groups. The cards are a welcome alternative to what is currently available to most counselors. Until now, they could either ask a lot of questions, which many clients felt were intrusive, or a counselor could use impersonal questionnaires which often reminded clients of the unpleasant task of taking a test.

In contrast, the Money Habitudes deck of cards help people associate the cards with a non threatening, social activity and they easily engage, relax and share insightful, productive information with the people they have come to for help in turning around very difficult financial situations such as living from paycheck to paycheck, dealing with delinquent debts, chronic over-spending, or being on a fixed income. Counselors and their clients report they enjoy manipulating the cards more than filling out a form or working on the computer.

The Money Habitudes deck includes easy-to-follow instructions for six activities using 54 statement cards. These cards describe a habit or attitude related to money such as: 'I rarely buy anything unless I can pay it off right away' and 'I am proud that I live modestly and think others should too.'

On the back of each card is a colorful picture to identify it with one of the six money habitudes. Each habitude is associated with predictable money management behaviors such as saving, investing, risk-taking and tolerance for debt. Examples of habitudes include: Security (money represents being safe and secure), Status (money represents a way to create a positive image), Selfless (money helps one feel good by giving to others), Free Spirit (money is not a priority for a carefree life style), Targeted Goals (money helps one achieve goals) and Spontaneous (money encourages one to enjoy
the moment). Also included are user-friendly interpretation cards for each habitude with suggestions aimed at helping the user identify next steps for changing behaviors.

The Money Habitudes cards are based on the most common themes and supporting information found in current financial and psychological research and are time effective as well as fun. They were developed with input from financial planners, family and consumer specialists, credit/debt counselors, bankruptcy educators, university faculty, personal and business coaches, therapists, and counselors.

For instance, a simple fifteen-minute activity will provide the insights needed to:

1) Determine the most effective approach in working with individual clients to help them successfully manage and/or invest their money.

2) Identify the underlying challenges a client may face in spite of having a good plan.

3) Predict and understand potential money conflicts when working with couples, families or business partners and executive teams.

A 'Money Habitudes Guide for Professionals' is included with the four decks of cards as part of the counselors package, and it offers the professional counselors additional activities and more in-depth interpretations.

Money Habitudes cards and guides can be ordered online HERE.

About the ICFE:

The Institute of Consumer Financial Education (ICFE) was founded in 1982 by the late Loren Dunton (creator of the Certified Financial Planner (CFP) designation).  The ICFE is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. 
The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, which is updated annually. The ICFE has distributed over one million Credit/Debit Card Warning Labels and Credit/Debit Card Sleeves world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.The ICFE was an active partner in the California Student Debt Resource Awareness Project (CASDRAP) which resulted in a new web site: (  CASDRAP disbanded in 2010, shortly after the web site project was completed.  In 2011 the ICFE assumed the single sponsorship of the ( web site and is now responsible for its content and operation.

The ICFE is also an on-line help for consumers who spend too much.  ICFE's spending help was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from the ICFE's Money Instruction Book, our course in personal finance.

Visit the ICFE's other web sites at: and  Both sites helps consumers and students with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and how to teach children about money. Other ICFE services include: Ask Mr. G,  a free eNews, and an online resource center for students, parents and educators, plus financial education learning tools and a book store.

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