--- title: Introducing the Financial Literacy Curriculum description: The Financial Literacy curriculum teaches strategies that can help participants meet financial goals, budget, save and access resources. image: https://blog.changecompanies.net/hubfs/Blog%20Graphics/AdobeStock_565065313.jpeg --- [Technical Support](https://support.changecompanies.net/?hsLang=en) [Contact Sales](https://go.changecompanies.net/contact?hsLang=en) Search changecompanies.net About Us [About](https://changecompanies.net/about?hsLang=en) [Leadership](https://changecompanies.net/about?hsLang=en#leadership) [Advisors](https://changecompanies.net/about?hsLang=en#advisors) [Contact Us](https://go.changecompanies.net/contact?hsLang=en) [Careers](https://changecompanies.net/careers?hsLang=en) [![The Change Companies Logo](https://844aa8d177dcf87d02fc-8f72bb99f02c2e7ec80fe67c19b57c36.ssl.cf1.rackcdn.com/newsite/TCClogo_website.png)](https://blog.changecompanies.net/) - Products Products [![](https://blog.changecompanies.net/hs-fs/hubfs/Internal/Logos/Atlas%20favicon.png?width=28&height=28&name=Atlas%20favicon.png) Atlas: Behavior Change Platform Helps agencies and providers drive measurable behavior change, so fewer people return to custody or use.](https://changecompanies.net/atlas?hsLang=en) [Sessions Plan check-ins and groups, capture notes, and track delivery fidelity, all tied to case and treatment plans.](https://changecompanies.net/atlas-sessions) [![](https://blog.changecompanies.net/hs-fs/hubfs/Email%20Graphics/Icons%20and%20Thumbnails/Small-Icon-Template_FeaturedArticle.png?width=28&height=28&name=Small-Icon-Template_FeaturedArticle.png) *Interactive Journaling®* Evidence-based expressive writing that blends MI, CBT, and the stages of change to guide lasting change.](https://changecompanies.net/interactive-journaling) [![](https://blog.changecompanies.net/hs-fs/hubfs/Website%20Pages/DCP%20and%20Atlas/Treatment%20and%20Recovery%20Icon.png?width=28&height=28&name=Treatment%20and%20Recovery%20Icon.png) Clinical Assessments DSM-5 and ASAM Criteria–compatible tools for diagnosis, placement, and service planning, with Evince.](https://shop.changecompanies.net/collections/clinical-assesments) Training [![](https://blog.changecompanies.net/hs-fs/hubfs/Email%20Graphics/Icons%20and%20Thumbnails/Small-Icon-Template_BoosterTraining.png?width=28&height=28&name=Small-Icon-Template_BoosterTraining.png) Curriculum Training Train facilitators on the key skills that make *Interactive Journaling®* most effective.](https://changecompanies.net/training?hsLang=en) [![](https://blog.changecompanies.net/hs-fs/hubfs/Website%20Pages/FP%20and%20Training/BasicFidelity-Icon.png?width=28&height=28&name=BasicFidelity-Icon.png) Self-paced Learning The Fidelity Platform: online, self-paced training that upskills facilitators on their schedule.](https://changecompanies.net/fidelity-platform?hsLang=en) [![](https://blog.changecompanies.net/hs-fs/hubfs/Website%20Pages/Homepage/ASAM%20logo-2.png?width=28&height=28&name=ASAM%20logo-2.png) The ASAM Criteria Open enrollment trainings from Train for Change on ASAM skills, implementation, and CARF certification.](https://changecompanies.net/asam?hsLang=en) - 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Participants consider the ways they have managed their money in the past and learn strategies that can help them in the future. The program offers opportunities for practice, application and hands-on learning while boosting participants’ confidence and skills.   In this Journal, participants progress through the following key concepts and objectives: - Considering beliefs about money - Exploring benefits of financial literacy - Creating a checking account - Using online banking - Strategies for saving - Investing in the future - Understanding credit and loans - Managing debt - Understanding types of insurance - Recognizing and avoiding financial pitfalls - Setting SMART financial goals - Creating a budget - Changing spending habits - Tracking finances - Accessing resources - Strategies for thriving with money [![Discover Atlas Improving client engagement and motivation to change by 90%; Giving staff back 1 day/ week.   See how Atlas supports assessment, planning, intervention, documentation and measurement in a fully integrated system.](https://no-cache.hubspot.com/cta/default/20881724/interactive-210836473477.png)](https://blog.changecompanies.net/hs/cta/wi/redirect?encryptedPayload=AVxigLLbIj4C9Rq9SkJGccvh38Di7kPC4TzQ4R7cfpbV2SuboZ4g7%2FvncMOSohKVZEp%2FkAiEccsSBP66QatdPwpRb8A9qjVivyqweDf5q5mlUsLOe6H1tTD0jWBXi9Y1G%2FnoOU%2FN1st4A837XgU5RbIxrYwahTvfLpXX5KXiRG8a%2Fht%2B2S0tZnaGwmVnCikIevhumqiLcTiP7OsmCG80%2FW4%3D&webInteractiveContentId=210836473477&portalId=20881724) This curriculum consists of a single Journal and accompanying [Facilitator Guide](https://shop.changecompanies.net/products/financial-literacy-facilitator-guide?_pos=2&_sid=9c982825f&_ss=r). It provides a thorough, beginner to intermediate introduction to financial literacy. The Facilitator Guide includes key concepts and references, role play and discussion activities and an overview of the evidence-based underpinnings of the curriculum design. **Who can use Financial Literacy?** The applications of the Financial Literacy Journal are many. This curriculum is a great fit for reentry programs, community supervision, life skills programs or as a component of individualized planning in behavioral health treatment settings.   **References** 1 The Organisation for Economic Co-operation and Development (OECD) and its International Network on Financial Education (INFE). [https://www.oecd.org/financial/education/](https://www.oecd.org/financial/education/) 2  Lusardi, A. Financial literacy and the need for financial education: evidence and implications. Swiss J Economics Statistics 155, 1 (2019). [https://doi.org/10.1186/s41937-019-0027-5](https://doi.org/10.1186/s41937-019-0027-5) 3  Lusardi, A., Michaud, P. C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431–477.   Fill the form to learn how [Atlas](https://changecompanies.net/atlas)accesses the journals and use these tools to improve staff efficiency:   ![The Change Companies](https://blog.changecompanies.net/hs-fs/hubfs/Internal/Logos/Social%20Media%20Logo.png?width=150&name=Social%20Media%20Logo.png) #### The Change Companies For over 30 years, The Change Companies has delivered cutting-edge behavior change tools to over 26 million individuals in addiction treatment and justice services. 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