Attention: Money 101 will no longer be available after May 31, 2021. After that time the Enrich financial literacy tool will be available at moving forward.
Upon course completion please contact Freddy Burciaga at for a certificate.

Spending - Heart Matters


2.  Purchasing Decisions

It sometimes seems that there are about as many reasons to spend money, as there are people on the planet. We spend money to cover the basics like food, housing, transportation and clothes. We might choose a particular kind of food or place to live based on many factors. Some of these factors are part of our upbringing – we tend to value what our parents valued (or didn’t value). We live our lives with many of these preferences, and carry them with us wherever we go. Other influences come from our surroundings and the people we interact with, our peers.

The first step to understand how our background and surroundings influence our thoughts, feelings and beliefs about spending is to look closely at our spending and make sure that our spending decisions are based on rational beliefs (rB) and not irrational beliefs (iB).

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