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

1. Sharon A. DeVaney, Assistant Professor, Consumer Sciences & Retailing, 216 Matthews Hall, Purdue University, West Lafayette, IN 47907-1262, Phone: (317) 494-8300. Fax: (317) 494-0869. Email: sdevaney@purdue.edu

2. Elizabeth E. Gorham, State Extension Specialist, Family Life and Human Environment Department, Utah State University, Logan UT 84322. Phone: (801) 797-1535.  (Now at South Dakota State University, E-mail: GORHAM.LIZ@CES.SDSTATE.EDU)

3. Janet C. Bechman, Family Resource Management Specialist, Consumer Sciences & Retailing, 302 Matthews Hall, Purdue University, West Lafayette, IN 47907-1262. Phone: (317) 494-8309.

4. Virginia A. Haldeman, Family Resource Management Specialist, Cooperative Extension Service, College of Human and Community Science, School of Home Economics, University of Nevada-Reno, Reno, NV 89557-0040. Phone: (702) 784-6490.