Financial Counseling Certification Practice Exam 2026 – Complete Prep Guide

Question: 1 / 400

What will NOT contribute to changing a family's financial habits?

Increasing awareness about spending

Having children be absent from discussions about spending changes

Having children absent from discussions about spending changes is indeed a factor that will not contribute to changing a family's financial habits. When children are excluded from these important discussions, they miss the opportunity to learn valuable lessons about budgeting, saving, and financial responsibility. Involving children helps them understand the implications of financial decisions and encourages them to develop good financial habits as they grow.

In contrast, increasing awareness about spending, setting family spending goals, and creating a joint budget are all proactive measures that facilitate positive changes in financial behavior. These strategies promote open communication about finances, engage all family members in the budgeting process, and help establish a collective commitment to managing money wisely.

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Setting family spending goals

Creating a joint budget

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