2 Attitudes About Money

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01
INCHARGE DEBT SOLUTIONS • WWW.INCHARGE.ORG
ATTITUDES ABOUT MONEY 
Participant Guide
MINDYOUR
FINANCES

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02
INCHARGE DEBT SOLUTIONS • WWW.INCHARGE.ORG
ICE BREAKER: WHICH ONE ARE YOU? 

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03
INCHARGE DEBT SOLUTIONS • WWW.INCHARGE.ORG
ATTITUDES ABOUT MONEY
Introduction
Money makes the world go round. Money is the root of all evil. Money can’t buy 
you love. Time is money. Penny pincher. Tight wad. Spendthrift. Big spender. 
Money grubbing. Gold digger. 
As you can see, we place a lot of emotion onto money. Money inspires love, hate, 
and envy. 
Our attitudes about money develop over time, and research shows that most of 
these attitudes originated with our parents and how they felt about money. 
Did your parents talk to you about responsible spending or were they irresponsible 
in the way they spent money? Did you view your parents as savers or spenders? 
It’s not hard to see how other people use money to express their power and 
success, even when the money they are using is not their own. Many people who 
appear to have “money to burn” are living beyond their means with credit cards, 
car loans, and big mortgages. They are hurting their own financial future to impress 
you. 
It is also not rare to hear of people who appear to have no money at all, wear 
second-hand clothing, and live simply with millions of dollars in the bank.
Most people are somewhere between these two extremes. 
The attitudes you formed about money early in your life probably affect how you 
save, spend, and invest today. Think about how your money habits differ from 
your parents, or are they the same?
The first activity will help you identify the money characteristics that drive you. 
The Attitudes about Money workbook will: 
• Help you identify the attitudes about money that drive your financial decisions.
• Identify the five negative attitudes people have toward money and find ways to 
overcome those attitudes. 

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