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Recession Spawns Vital New Industry - Financial Wellness
Date:2/19/2009

s but not the root cause. Until we as individuals change our spending habits and learn to live within our means, any fix is going to be both ineffective and temporary."

A study from Professor Emeritus Dr. E. Thomas Garman of Virginia Tech University found poor personal financial behaviors negatively impact employers with problems ranging from absenteeism and theft to reduced productivity and even suicide and murder.

Willingham, a pioneer in interactive training methods and author of 12 books, has created an online interactive financial health course that addresses this fundamental problem that tens of millions of Americans are practicing -- poor financial habits. The course, Money2Spare(TM) (http://www.money2spare.com), runs for ten weeks and includes an addictive "Money Bag" game that experience shows helps participants discover an average of $50-$150 a week of "new money."

Willingham's habit development processes will help individuals enjoy greater personal financial control and strengthen family relationships since debt is the leading cause of divorce. They will improve their career prospects due to less concern about debt, and improve their credit scores, which leads to lower interest rates. They will also enjoy reduced stress and illness, and have more money for major purchases such as home, car, education or vacation.

As a result of the course employers will enjoy increased productivity. Absenteeism is reduced as well as employee turnover. Morale increases and medical expenses are reduced. Profits go up. Credit card issuers are also a major beneficiary and can expect greater profitability through increased collections and customer loyalty.

Ron Willingham says, "Traditional courses simply tell us what we already know -- spend less than you earn, save 10% of your income, cut up your credit cards, etc. We actually teach peop
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SOURCE Ron Willingham
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