Enhanced Financial Counseling Certification 2023

Money avoidance is the idea that money is evil or ________. - UNDESERVED The idea that money is the way to solve all a member's problem is money ________. - WORSHIP Money _________ is the member's belief that wealth is tied to self worth. Money is seen as a member's way to one-up others. - STATUS Money vigilance is a member's perceived need for _________ about their financial matters. - SECRECY The ideal spending cycle a member should strive to be in is _________ / _______________ / ____________. This group pays themselves first - EARN / SAVE / SPEND Factors impacting money _______ can include childhood experiences, emotional disorders, out of control spending or ignoring the problem. - ATTITUDES The most basic need members have is _______________ needs like food, shelter, and clothing. This is the ______ of the pyramid on Maslow's hierarchy of needs. - PHYSIOLOGICAL, BASE The _________ brain sees things in a logical way - LEFT The _________ brain may add color and creativity to the thought process - RIGHT A right brain person could benefit from a list with _____ when you are sharing information - ILLUSTRATIONS The ____ zone of the Johari Window includes things known to others (counselor) but unknown to self (member). - BLIND The three types of financial counseling are ___________, ______________, and _______________ - PRODUCTIVE, PREVENTATIVE, REMEDIAL A counselor should seek to understand all the facts about a client's circumstances before generating alternatives using both ________ and _____________ cues - VERBAL, NONVERBAL What is the first step in the members change process? Recognizing the _______ for change. - NEED What is the second step in the members change process? Gather ______ and introduce new ideas - INFORMATION What is the third step in the members change process? _______ plan as needed. - REVISE What is the fourth step in the members change process? Make _______ a part of the member's habits. - CHANGES Help members prioritize essentials so they spend on ___________ instead of ____________. - NEEDS, WANTS . Examining forces for or against a specific action are part of ________ _____________ ______________. - FORCE FIELD ANALYSIS What is the 1st step of the counseling process? ___________ member data. - COLLECT What is the 2nd step of the counseling process? Establish clear financial _________ and objectives. - GOALS What is the 3rd step of the counseling process? ____________ data. - ANALYZE What is the 4th step of the counseling process? _____________ a plan for spending, debt repayment, and action plan. - DEVELOP What is the 5th step of the counseling process? ____________ plan. - IMPLEMENT What is the 6th step of the counseling process? Monitor, evaluate, and ______________ as needed. - ADJUST A ____________ plan looks at the sources of income and where clients spend their money. - SPENDING Cash ______ is the term to define money in and money out of a client's budget. - FLOW