Financial stress can put individuals in recovery from substance use disorder at risk for relapse, particularly during early stages of recovery. This increased risk is due, in part, to financial stress that people in recovery from substance use disorder often encounter. Through comprehensive financial education training we can expand the capacity of recovery centers and other partners in the community that work with individuals in recovery thereby reducing the likelihood of relapse. 

To address this concern, the Butler County Cooperative Extension Service utilized the Recovering Your Finances curriculum to help build financial capability for those in recovery and thereby improve the efficacy of substance use recovery programs. Topics presented include budgeting, credit, banking, savings, and more. Recovering Your Finances was taught at the Kentucky Christian Recovery Center to ten males during an eight week period meeting for two hours each week.

Participants were asked to complete an evaluation survey following the class(es). Over the series, there was an average response rate of 90% per class. Of each class’ survey respondents,100 percent indicated they increased understanding of how to prepare a personal budget;80 percent indicated they learned to identify factors that affect the cost of credit; 90 percent better know how to improve a credit score over time; 80 percent are now better able to prioritize debts; and 100 percent had increased confidence in avoiding fees when utilizing a bank account. 

Survey results indicate respondents were receptive to behavior change. Of each class’ respondents, 100 percent plan to consider wants and needs before spending; 80 percent plan to actively work to reduce their debt; 90 percent plan to review their Form W-4 for accuracy; and 50 percent plan to set a SMART goal and start saving toward that goal.

Of the survey respondents, 80 percent indicated they understand the financial resources that may be needed to sustain recovery; and 80 percent feel they have a better understanding of the financial consequences of substance use. 

The most significant things this group plans to apply as a result of this workshop, include: develop a budget, save money to buy a car, repay debt, and gain employment.