People get into money troubles for a variety of reasons:

• An unexpected life crisis (i.e. layoff or accident)
• A general lack of money management skills
• A predisposition for chronic spending

Regardless of the reason, many individuals in financial distress could benefit from a behavioral change exercise to adopt new spending habits.

Working with Dr's. James and Janice Prochaska who have developed and applied the Transtheoretical Model of behavioral change, the Foundation has developed a program to evaluate where individuals are in the change process. Further, users will be able to get helpful advice on action steps to make a permanent change in their spending habits. The model is also woven throughout the programs developed by the Foundation.