Stages of Change and Motivational Interviewing in Financial Therapy

  • Bradley T. KlontzEmail author
  • Edward J. Horwitz
  • Paul T. Klontz


To maximize effectiveness in helping clients change financial behaviors, it is critical to recognize the stage of change in which the client currently resides, identify resistance to change when it is present, and tailor one’s approach accordingly. This chapter explores stages of change, precursors of change, and ambivalence and resistance towards change, and introduces techniques financial therapists can use to help a client successfully navigate through the change process. A case study is presented to illustrate the application of motivational interviewing in financial therapy.


Credit Card Financial Behavior Financial Therapist Reflective Statement Change Talk 
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Copyright information

© Springer International Publishing Switzerland 2015

Authors and Affiliations

  • Bradley T. Klontz
    • 1
    Email author
  • Edward J. Horwitz
    • 2
  • Paul T. Klontz
    • 3
  1. 1.Family Studies and Human ServicesKansas State UniversityManhattanUSA
  2. 2.Kansas State UniversityManhattanUSA
  3. 3.Klontz Consulting Group LLCNashvilleUSA

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