!INSIGHTS	                     FROM	      CONVERSATIONS      FINANCIAL !        WITH	   CONSUMERS	   ! 	                  ...
“	   AVERAGE DEBT  THE CREDIT CARD              ! IN THE US IS $15,325 PER HOUSEHOLD. ! ! july 2012!                      ...
THAT SEEMS IRRESPONSIBLE.
Meet Padma.§  Didn’t start thinking about money until after    she graduated college.§  Currently seeking a financial adv...
Meet Megan.§  Didn’t start thinking about money until after    she switched jobs.§  Has a love/hate relationship with mo...
?what does it mean to be 
 financially responsible
SAVE MORESPEND LESSHAVE A GOALHAVE A PLAN
combination of: behaviorexperiencepersonalitydrive              beliefs + attitudes + actions + motivation
feel:ACCOUNTABLEhave:GOALSROUTINESDISCIPLINE use:TOOLSPROCESS COMMUNITY
IT’S EASY,      RIGHT?
WHY AREN’T PEOPLE!FINANCIALLY RESPONSIBLE?
need vs. want   splurges!   necessities!   wants!
infographic source: lifetuner!
I spend what I deserve;not what I earn
it’s hard              “YOUD PREFER TO STAY                STUPID RATHER THAN             LEARN SOMETHING NEW.”           ...
it’s america…                 debt           is normal	  
i don’t know what         to do…
I KNOW  WHAT TO DO.
i can’t.
    i won’t.

so, what	                 them?
                    	  
mint, manilla and yodlee!
chains.cc!
my fitness pal!
nest!
avocado!
hello wallet!
thank you!     @monapatel
Insights from Conversations with Financial Consumers
Insights from Conversations with Financial Consumers
Insights from Conversations with Financial Consumers
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Insights from Conversations with Financial Consumers

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At the 2012 Face of Finance Conference, at Bentley University, in Waltham, MA, Mona Patel (Motivate Design) and Meena Kothandaraman (Bentley University) presented "Insights from Conversations with Financial Consumers".

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Insights from Conversations with Financial Consumers

  1. 1. !INSIGHTS   FROM   CONVERSATIONS FINANCIAL ! WITH   CONSUMERS   !   @monapatel
  2. 2. “   AVERAGE DEBT THE CREDIT CARD ! IN THE US IS $15,325 PER HOUSEHOLD. ! ! july 2012! ”   federal reserve bank!
  3. 3. THAT SEEMS IRRESPONSIBLE.
  4. 4. Meet Padma.§  Didn’t start thinking about money until after she graduated college.§  Currently seeking a financial advisor.Learn about her financial decisions here
  5. 5. Meet Megan.§  Didn’t start thinking about money until after she switched jobs.§  Has a love/hate relationship with money.Learn about her financial decisions here
  6. 6. ?what does it mean to be 
 financially responsible
  7. 7. SAVE MORESPEND LESSHAVE A GOALHAVE A PLAN
  8. 8. combination of: behaviorexperiencepersonalitydrive beliefs + attitudes + actions + motivation
  9. 9. feel:ACCOUNTABLEhave:GOALSROUTINESDISCIPLINE use:TOOLSPROCESS COMMUNITY
  10. 10. IT’S EASY, RIGHT?
  11. 11. WHY AREN’T PEOPLE!FINANCIALLY RESPONSIBLE?
  12. 12. need vs. want splurges! necessities! wants!
  13. 13. infographic source: lifetuner!
  14. 14. I spend what I deserve;not what I earn
  15. 15. it’s hard “YOUD PREFER TO STAY STUPID RATHER THAN LEARN SOMETHING NEW.” “having the wrong mindset is keeping you poor”! business insider, 11-2011!
  16. 16. it’s america… debt is normal  
  17. 17. i don’t know what to do…
  18. 18. I KNOW WHAT TO DO.
  19. 19. i can’t.
 i won’t.

  20. 20. so, what   them?
  
  21. 21. mint, manilla and yodlee!
  22. 22. chains.cc!
  23. 23. my fitness pal!
  24. 24. nest!
  25. 25. avocado!
  26. 26. hello wallet!
  27. 27. thank you! @monapatel

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