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1. Choose the irrational financial belief that corresponds with this irrational core belief: I must be loved by everyone who I believe is important to me or I'm a failure.If I earn enough money and own enough of the right stuff, I will gain the love and attention of others.
When I was young, I planned to be wealthy and I’m still not earning enough to ever be wealthy, and that’s just not fair!
I can’t seem to save, invest or bring home enough money to make my financial dreams come true. I must not be very competent or intelligent and that’s devastating to me.
I believe people with money are somehow corrupt or evil.

2. Choose the irrational financial belief that corresponds with this each irrational core belief: It's horrible when things don't go the way I want them to. Life should be fair and it should be easy. If I earn enough money and own enough of the right stuff, I will gain the love and attention of others.
When I was young, I planned to be wealthy and I’m still not earning enough to ever be wealthy, and that’s just not fair!
I can’t seem to save, invest or bring home enough money to make my financial dreams come true. I must not be very competent or intelligent and that’s devastating to me.
I believe people with money are somehow corrupt or evil.

3. Choose the irrational financial belief that corresponds with this irrational core belief: I must be thoroughly competent, intelligent and achieveing in all possible respects. If I earn enough money and own enough of the right stuff, I will gain the love and attention of others.
When I was young, I planned to be wealthy and I’m still not earning enough to ever be wealthy, and that’s just not fair!
I can’t seem to save, invest or bring home enough money to make my financial dreams come true. I must not be very competent or intelligent and that’s devastating to me.
I believe people with money are somehow corrupt or evil.

4. Choose the irrational financial belief that corresponds with this irrational core belief: I must condemn and curse people who commit certain acts that I judge awful or wicked, like not approving of me.If I earn enough money and own enough of the right stuff, I will gain the love and attention of others.
When I was young, I planned to be wealthy and I’m still not earning enough to ever be wealthy, and that’s just not fair!
I can’t seem to save, invest or bring home enough money to make my financial dreams come true. I must not be very competent or intelligent and that’s devastating to me.
I believe people with money are somehow corrupt or evil.

5. Choose the irrational finanical belief that corresponds with this irrational core belief: My feelings must be caused by people and events outside of myself.I feel pretty embarrassed about my income and about carrying such a heavy credit card debt, but that’s because I can’t resist buying what I need that I see on TV and in magazines. I can’t ever change these feelings, so just forget it.
It would be better to frankly face these things and focus on what is real fear and what is imagined fear. Then focus on those fears which are real and I can confront.
I can’t seem to organize my bills and my financial affairs. I don’t even balance my checkbook each month. I just go by whatever the bank says it is. I guess if I don’t deal with them – those pesky bills or student loans – they’ll just go away.
I’ve never been good with numbers and math. I’ve never been good with money. I just can’t get this financial health stuff, and I never will.

6. Choose the irrational financial belief that corresponds with this irrational core belief: I must worry about threatening, dangerous and fearsome things and think about them endlessly.I feel pretty embarrassed about my income and about carrying such a heavy credit card debt, but that’s because I can’t resist buying what I need that I see on TV and in magazines. I can’t ever change these feelings, so just forget it.
It would be better to frankly face these things and focus on what is real fear and what is imagined fear. Then focus on those fears which are real and I can confront.
I can’t seem to organize my bills and my financial affairs. I don’t even balance my checkbook each month. I just go by whatever the bank says it is. I guess if I don’t deal with them – those pesky bills or student loans – they’ll just go away.
I’ve never been good with numbers and math. I’ve never been good with money. I just can’t get this financial health stuff, and I never will.

7. Choose the irrational financial belief that corresponds with this irrational core belief: I should avoid facing my difficulties and responsibilities to maintain my happiness.I feel pretty embarrassed about my income and about carrying such a heavy credit card debt, but that’s because I can’t resist buying what I need that I see on TV and in magazines. I can’t ever change these feelings, so just forget it.
It would be better to frankly face these things and focus on what is real fear and what is imagined fear. Then focus on those fears which are real and I can confront.
I can’t seem to organize my bills and my financial affairs. I don’t even balance my checkbook each month. I just go by whatever the bank says it is. I guess if I don’t deal with them – those pesky bills or student loans – they’ll just go away.
I’ve never been good with numbers and math. I’ve never been good with money. I just can’t get this financial health stuff, and I never will.

8. Choose the irrational financial belief that corresponds with this irrational core belief: I am controlled by my past and I always will be. I'm a victim of my past. I feel pretty embarrassed about my income and about carrying such a heavy credit card debt, but that’s because I can’t resist buying what I need that I see on TV and in magazines. I can’t ever change these feelings, so just forget it.
It would be better to frankly face these things and focus on what is real fear and what is imagined fear. Then focus on those fears which are real and I can confront.
I can’t seem to organize my bills and my financial affairs. I don’t even balance my checkbook each month. I just go by whatever the bank says it is. I guess if I don’t deal with them – those pesky bills or student loans – they’ll just go away.
I’ve never been good with numbers and math. I’ve never been good with money. I just can’t get this financial health stuff, and I never will.

9. Choose the irrational financial belief that corresponds with this irrational core belief: I must have certain and perfect control over things.I can't seem to control myself - my income, my budget, my credit cards, my saving. I must be a real loser who has a very unhealthy relationship with money. I'll never be able to take control of this relationship. Money has the power, not me.
Hey, no sense in trying to take control of my finances. No sense in understanding all my payroll deductions or looking for ways of increasing my income because my financial health is beyond my control.
I have a right to be angry about Social Security, my lack of savings, my bleak financial future, and I have the right to let everyone know just how angry I am and about how little I take home.

10. Choose the irrational financial belief that corresponds with this irrational core belief: I must allow my life to just unfold and not work at being happy. I can't seem to control myself - my income, my budget, my credit cards, my saving. I must be a real loser who has a very unhealthy relationship with money. I'll never be able to take control of this relationship. Money has the power, not me.
Hey, no sense in trying to take control of my finances. No sense in understanding all my payroll deductions or looking for ways of increasing my income because my financial health is beyond my control.
I have a right to be angry about Social Security, my lack of savings, my bleak financial future, and I have the right to let everyone know just how angry I am and about how little I take home.

11. Choose the irrational financial belief that corresponds with this irrational core belief: I must always express my emotions because I have no control over them. I can't help being disturbed by certain events. I can't seem to control myself - my income, my budget, my credit cards, my saving. I must be a real loser who has a very unhealthy relationship with money. I will never be able to take control of this relationship. Money has the power, not me.
Hey, no sense in trying to take control of my finances. No sense in understanding all my payroll deductions or looking for ways of increasing my income because my financial health is beyond my control.
I have a right to be angry about Social Security, my lack of savings, my bleak financial future, and I have the right to let everyone know just how angry I am and about how little I take home.

12. What is a rational alternative to the irrational belief - "I must be loved and approved of by everyone I believe is important to me"?I will be happiest when I am vitally absorbed in creative pursuits, or when I devote myself to people or projects outside myself.
I can certainly learn from my past but I will be happier when I'm not overly-attached to or prejudiced by it.
I will be much happier when I acknowledge that my feelings are caused by my views of the world.
I can't be loved by everyone important to me, and I'm better off when I concentrate on liking myself and liking others - things I can control.

13. What is the rational alternative to the irrational belief - "It's horrible when things don't go the way I want them to. Life should be fair and it should be easy"?I can't be loved by everyone important to me, I'm better off when I concentrate on liking myself and liking others - things I can control.
I'll be happier when I understand and accept the idea that no one can always do well; and when I accept myself as a quite imperfect creature with general human limitations.
It's too bad when things don't go the way I planned them, or think they should go, but I can't control everything in life. Better for me to try and control only that over which I have control and let the rest go.
I will be much happier when I acknowledge that my feelings are cause by my views of the world.

14. What is the rational alternative to the irrational belief - "I must be thoroughly competent, intelligent and achieving in all possible respects"?I will be much happier when I acknowledge that my feelings are caused by my views of the world.
What I call "easy" only means that I'm happier in the short run, but in the long run it will be harder on me if I keep avoiding my responsibilities.
Life is filled with uncertainty and events over which I have no control but I can still enjoy my life.
I'll be happier when I understand and accept the idea that no one can always do well and when I accept myself as a quite imperfect creature with general human limitations.

15. Irrational beliefs become more difficult to change, and have greater influence on our financial health:The more we "must" them.
When we elevate preferences to "musts."
When we place commands, demands and directives on ourselves.
All of the above.
None of the above.

16. What questions can you ask about a belief to determine if it's irrational (choose two correct answers)?Is my belief logical?
Is my belief held by others?
Will my belief cause harm to others?
Is there evidence that it's true or accurate?