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Spend now, pay later. It's a mindset that so many people have when it comes to money. Just pull out the credit card, and then pay for it later when the bill comes. But even when the credit card bill does arrive, there's a tendency to pay only the minimum amount due, and the debt begins to mount.

Our handling of money can become a dangerous cycle of getting ourselves deeper and deeper into debt. It can also become a strong source of stress and tension in our lives and relationships.

Money, and our relationship with it, doesn't need to be difficult. Helping your participants gain control of their finances and get to a healthier financial place is actually easier then it seems.

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