The FSMP began working directly with households in 2005. After an inauspicious start using traditional budgeting methods, we changed our approach. Instead of looking backwards to assess where money had been spent, we took a future perspective and assigned priorities to cash as it became available. The program cuts through the clutter and confusion of our complex financial system and helps participants avoid the pitfalls presented by an ever-present media providing frequent, insistent, and effective enticements to borrow and spend. Participants learn to manage finances in accordance with their values and priorities.