Resources

Financial Wellbeing Elements- Financial health is more than just dollars and cents and or a good credit score. See the 12 objective and subjective aspects of personal money management that measure financial health.

Ancient Money Principles for Eliminating Debt
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Expand your financial education with these websites:

Debt Free or Wealthy
Financial Integrity
Institute for Financial Literacy
Debtors Anonymous
Financial Literacy Month

5 Tips for Loving Life in Tough Economic Times–by Brad Klontz, Psy.D

Times are tough. The recession may be over on Wall Street, but no one has told Main Street. Budgets are still being trimmed, layoffs continue, and jobs are hard to come by. Many of us have been forced to downsize and are still struggling to meet our monthly expenses. All of this anxiety and stress can take its toll on our emotional well-being and physical health. Stress puts us at higher risk for harmful behaviors such as substance abuse or overeating. These days it can be easy to forget about what’s important in life. Read more…

The Big Lie About Personal Finance–by Brad Klontz, Psy.D

The basics of personal finance are simple. Regardless of how troubled their financial lives, I have yet to meet anyone who doesn’t already know what they should be doing. Everyone knows they should save for the future and not spend more than they make. Despite hundreds of books, thousands of newspaper articles, and prime time television and radio shows discussing the ins and outs of personal finance, millions of us are still unable to make the most basic changes in our financial lives. More advice telling you what you already know you should be doing isn’t going to improve your financial health. Read more…

Do You Have a Money Disorder?–by Brad Klontz, Psy.D

Just about everyone has a complicated relationship with money. Studies show that money is the no. 1 reason for divorce in the early years of marriage and a common area of conflict for couples. Even before the recession, 3 out of 4 Americans identified money as the no. 1 source of stress in their lives. Financial strain has been found to reduce relationship satisfaction, worsen depression, and lead to emotional problems, health difficulties, and poor work performance. With record high debt and record low savings rates in the years leading up to the economic crisis, the average American seemed to suffer from a money disorder.

Money disorders are persistent patterns of self-destructive and self-limiting financial behaviors. Read more…