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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 ...

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 Insights from Conversations with Financial Consumers Presentation Transcript

  • !INSIGHTS   FROM   CONVERSATIONS FINANCIAL ! WITH   CONSUMERS   !   @monapatel
  • “   AVERAGE DEBT THE CREDIT CARD ! IN THE US IS $15,325 PER HOUSEHOLD. ! ! july 2012! ”   federal reserve bank!
  • THAT SEEMS IRRESPONSIBLE.
  • Meet Padma.§  Didn’t start thinking about money until after she graduated college.§  Currently seeking a financial advisor.Learn about her financial decisions here
  • 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
  • ?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.” “having the wrong mindset is keeping you poor”! business insider, 11-2011!
  • 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