Small Steps to Health and
Wealth
January 16, 2015
Small Steps to Health and Wealth™ encourages participants to make
positive behavior changes to simultaneously improve their health and
personal finances.
ELEVATOR STATEMENT
Small Steps to Health and Wealth
• Program designed to motivate participants to
improve health and finances
• Encourages participants to set a health goal
and/or a wealth goal and take action (small
steps) to achieve the goal
How is
Your
Wellness
& Quality
of Life?
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SSHW Program Components
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SSHW Online Challenge
25 Days to Health and Wealth
Traditional SSHW Program
Building Healthy Wealthy Future – Youth
Small Steps to Health and Wealth for Older
Adults
SSHW Online Challenge
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What is it?
How does it work?
How do you get started?
What are the outcomes?
SSHW Online Challenges
Measures - Health
1. Ate at least four cups of fruits and vegetables
2. Exercised at least 30 minutes
3. Drank water or unsweetened beverages instead
of sugar-sweetened beverages
4. Tracked 10,000 (or more) steps by walking with
a pedometer
5. Learned something new related to health and/or
nutrition
SSHW Online Challenges
Measures - Wealth
1. Saved $1 bill (or more) and/or loose change in a
can or jar.
2. Invested $5 (or more) including automatic
deposits (ex. 401(k)s).
3. Tracked money spent throughout the day
4. Ate lunch prepared at home instead of at a deli
or restaurant.
5. Learned something new related to personal
finance.
SSHW Online Challenge
Outcomes
Total participant outcomes include:
• Consuming at least 17,376 cups of fruits and vegetables
• Tacking 17,680,000 steps or 8,840 miles with a pedometer.
• Saving more than $3,719 in loose change.
• Applying $12,175 toward investments, debt reduction, or an
emergency fund.
• Tracking daily expenditures was reported 4,499 times.
• Preparing 4,179 lunches at home, saving approx. $20,895.
* Based on 471 participants as of December 2014
25 Days to Health and Wealth
• 2-Hour Program
• Addresses the 25 behavior change strategies that can
be used to simultaneously improve your health and
personal finances
• Participants are led through a discussion of each
strategy and encouraged to select 3 or 4 strategies to
implement as part of a personal action plan
• Provide participants with a copy of the Small Steps to
Health and Wealth Book
25 Days to Health and Wealth
Program Objectives
• Integrate health/nutrition and personal finance
subject matter into one class
• Explore common behavior change strategies
• Motivate participants to improve their health and
wealth
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SSHW™ Framework: 25 Health & Wealth
Behavior Change Strategies
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Track Your Current Behavior
Unload Your Childhood Baggage
Put Your Mind To It
Commit to Making a Change
Defy Someone or Defy the Odds
Think Balance-Not Sacrifice
Control Your Destiny
Make Progress Every Day
Get Help and Be Accountable
Meet Yourself Halfway
Say “No” to Supersizing
Convert Consumption Into Labor
Compare Yourself With Benchmarks
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Use Easy Frames of Reference
Automate Good Habits and Create Templates
Live “The Power of 10”
Take Calculated Risks and Conquer Fears
Appreciate Teachable Moments and Wake-Up
Calls
Weigh the Costs and Benefits of Changing
Step Down to Change
Kick It Up a Notch
Control Your Environment
Monitor Your Progress & Reward Success
Expect Obstacles & Prepare For Relapses
Set a Date & Get Started…Just Do It!
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Each Strategy Has a Personalized
Worksheet
Examples:
• Food and activity/Income and expense Logs
• Visualization and positive self talk exercises
• Defiance worksheets for health and wealth
• Energy balance and money balance worksheets
• Converting calories and spending into labor
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“The Jersey Diner Approach”
• Adopt strategies that work for you
• Choose 3 to 4 (max) strategies
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Traditional SSHW Program
• Main Sections
– A discussion between the 20 similarities between
health and personal finance issues
– 10 suggested behavior change strategies that can be
applied to either area of life
– The impact of health on finances and finances on
health
– Discussion of seven key health and wealth success
factors: attitude, automation, awareness/knowledge,
control, environment, goals, and time
SSHW Materials Needs
• 38 PowerPoint Slides
• Wellness Wheel Handout
• Small Steps to Health and Wealth Planning
Worksheet
SSHW Lesson Plans
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Where am I now?
Making the decision to take control
The path to change
Finding support, including yourself
Rules to live by
Making change measurable
Process of change, part two
Placing value on your goal
Debriefing
http://njaes.rutgers.edu/sshw/internal/
BHWF Program Design
• Designed as the youth component to the
Small Steps to Health and Wealth Program
• Target Audience: 6th to 8th grades
• Focus Areas:
Personal Finance, Health Education, Leadership Development, Life Skills
• Program Components
– School Based Student Activity – series of learning lessons offering
a variety of activities, which can be tailored to reflect intended
learning objectives, time requirements, and available materials.
– Parent/Child Activity – series of Extension publications designed
to encourage parent/child communications about positive
financial and health behaviors.
Curriculum Objectives
• Introduce positive financial and health
behaviors to adolescents
• Provide students with positive messages in
regard to financial and health behaviors
• Assist adolescents in understanding the
relationship between personal behaviors and
health and financial success
Building a Healthy Wealthy Future
Leader’s Guide
• Designed as a 6-week series of Learning Lessons.
• Instructors choose the activities that reflect their learning
objectives, time requirements, and available materials.
• To help students integrate the Learning Lessons into their
everyday lives, there is a follow-up Take a Small Step section,
which incorporates a series of snack, financial, and physical
activity breaks.
Building a Healthy Wealthy Future
Leader’s Guide
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Introduction: Taking Your First Step
Lesson 1: Establish Your Baseline
Lesson 2: Getting the Right Message
Lesson 3: Making a Plan for the Future
Lesson 4: Getting the Most Out of Life
Lesson 5: Be a Rebel
Take a Small Step Snack Breaks
Take a Small Step Finance Breaks
Take a Small Step Physical Activity Breaks
Building a Healthy Wealthy Future
Leader’s Guide - Layout
Availability?
• University of Kentucky Master Publication List
http://www.ca.uky.edu/hes/index.php?p=206
• Small Steps to Health and Wealth Internal
Webpage http://njaes.rutgers.edu/sshw/internal/
SSHW for Older Adults
• Designed as a series of lessons that
incorporates a variety of positive behavior
change strategies and activities
• 20 to 30 minutes per lesson
SSHW for Older Adults
Lesson topics:
• Living on a shoestring
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Topics: how to build a frugal, nutritious freezer and pantry, drinking
water, increasing brain power, decreasing medical expenses
• Understanding labels
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Topics: Meaning of organic vs. all-natural, savings tips for buying organic
food, credit card terminology.
• Your frames of reference
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Topics: strategies for setting activity goals and caloric goals, food
measurement aides, decreasing spending, and increasing revenue and
savings.
• Stretching your body and your money
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Topics: strategies for increasing physical activity and creating a spending
plan
SSHW for Older Adults
Lesson topics:
• Avoiding fraud and scams
– Topics: the top ten scams targeting seniors; health fraud; red flags and
recognizing scams; funeral and cemetery fraud; telemarketing scams; identity
theft; charity scams; ATM machines; “senior” specialists and advisors;
investment fraud, including tips to avoiding investment fraud; and reporting
scams.
• Taking the drivers seat
– Topics: consumers will learn the importance of communicating effectively with
their health care provider and being an educated patient.
• Staying awake
– Topics: being engaged in your life, being active in your health, preventive
health care including health screenings, and being aware of your financial
milestones.
SSHW for Older Adults Program
Materials
• Facilitators Guide
• PowerPoint
• Availability:
http://njaes.rutgers.edu/sshw/internal/