While there appears to be general consensus in family finance texts and literature about which financial management practices are most effective, there is little agreement about what motivates financial counseling clients to follow recommendations. The Prochaska, DiClemente and Norcross transtheoretical model of stages of change is presented as a possible approach to motivate behavioral changes in financial counseling clients. Financial counseling techniques and strategies appropriate for each stage are integrated into the model along with specific interventions, examples and a case study. Key Words: Financial counseling, Motivation, Stages of change

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