The purpose of the study was to examine cash flow and credit use three months after participants completed a series of women’s financial information workshops. Being older, having feelings of satisfaction about finances, and using the program workbook were associated with use of a spending plan, a bill paying system, limiting credit card use, and saving regularly. Educators should include discussion of the importance of feelings and attitudes in changing practices related to cash flow and credit use. Participants should be encouraged to complete workbook exercises during and after the workshops. KEY WORDS: attitudes, cash flow management, credit

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