In todays technology filled world simple life skills like check writing and balancing a checkbook aren't taught in schools anymore. Even most financial education programs often highlight financial literacy skills such as budgeting and managing credit card debt; however, these skills do not tap into the emotional and practical issues that cause people to react irrationally with money. Financial decisions are most often motivated by emotional need as opposed to logical knowledge. To address this concern, the  Perry County Cooperative Extension Service utilized the Money Habitudes program to emphasize the importance of developing a healthy relationship with money. Assisting teens in discovering his or her habits and attitudes toward money early in their lives, can provide insights that can change the way an individual manages his or her money, approach career and relationships, and reach life goals. 

Perry County FCS agent offered the in-person program “Money Habitudes.” for teens. During June, at least 13 teens participated.  Partnering with the local Sapling Center, both the director and the FCS Extension Agent felt it was important for teens within the organizations to participate in the program to better discuss and encourage their clientele participants in future programming.  

Participants were asked to complete an evaluation survey following the class. Of the 13 survey respondents, 100% indicated they learned how habits and attitudes trigger spending; 100% indicated they now know how to write a check and balance a checkbook,  82% better know how to manage money to reach financial goals; and 86% had increased confidence in handling money issues or specific financial matters. 

Of the survey respondents, 100% indicated they plan to adjust at least one spending habit toward financial stability; 100% plan to be more aware of how money affects relationships; and 100% plan to implement at least one strategy to reduce expenses or manage money. Teens all agreed they will be able to use the Money Habitudes solitaire to better understand their spending and saving behaviors. 

One youth participant said, "I will be more aware when using my debit card now and will keep a balance sheet for it." 

Another said, "The card game was very helpful because I had never consider the reason I spend money certain ways."

Overall this program was a success and we will continue to work this particular group of teens in the future.