Small Steps to Health and Wealth™

Rutgers New Jersey Agricultural Experiment Station (NJAES) Cooperative Extension's major health finance initiative is Small Steps to Health and Wealth™. This program is designed to motivate consumers to implement behavior change strategies that simultaneously improve their health and personal finances.

Small Steps to Health and Wealth Video

Watch the Small Steps to Health and Wealth Video video

Book

Chapters

1. 01 SSHW Overview (134k PDF)
2. 02 Health and Wealth Connections (155k PDF)
3. 03 Overcoming Obstacles and Taking Action (147k PDF)
4. 04 Intro Before 25 Strategies (106k PDF)
5. 05 Taking Action and Staying Motivated (144k PDF)

Book Marketing Information

1. Small Steps to Health and Wealth™ Book Promotional Video

Behavior Change Strategies

1. 01 Track Your Current Behavior (138k PDF)
2. 02 Unload Your Childhood Baggage (132k PDF)
3. 03 Put Your Mind to It (151k PDF)
4. 04 Commit to Making a Change (142k PDF)
5. 05 Defy Someone or Defy the Odds (131k PDF)
6. 06 Think Balance-Not Sacrifice (147k PDF)
7. 07 Control Your Destiny (141k PDF)
8. 08 Make Progress Every Day (149k PDF)
9. 09 Get Help and Be Accountable (128k PDF)
10. 10 Meet Yourself Halfway (133k PDF)
11. 11 Say No to Super-Sizing (139k PDF)
12. 12 Convert Consumption Into Labor (149k PDF)
13. 13 Compare Yourself With Recommended Benchmarks (182k PDF)
14. 14 Use Easy Frames of Reference (204k PDF)
15. 15 Automate Good Habits and Create Templates (184k PDF)
16. 16 Live The Power of 10 (173k PDF)
17. 17 Take Calculated Risks and Conquer Your Fears (140k PDF)
18. 18 Appreciate Teachable Moments and Wake-up Calls (164k PDF)
19. 19 Weigh the Costs and Benefits of Changing (148k PDF)
20. 20 Step Down to Change (169k PDF)
21. 21 Kick it Up a Notch (148k PDF)
22. 22 Control Your Environment (147k PDF)
23. 23 Monitor Your Progress and Reward Success (172k PDF)
24. 24 Expect Obstacles and Prepare for Relapses (155k PDF)
25. 25 Set a Date and Get Started---Just Do It (153k PDF)

Challenges

1. SSHW Challenge Tracking Form (66k PDF)
2. Spring 2013 Daily Motivational Messages
3. Winter 2013 Daily Motivational Messages
4. Spring 2012 Daily Motivational Messages
5. Winter 2012 Daily Motivational Messages
6. Spring 2011 Daily Motivational Messages
7. Winter 2011 Daily Motivational Messages
8. Fall 2010 Daily Motivational Messages
9. Spring 2010 Daily Motivational Messages
10. Winter 2010 Daily Motivational Messages

Multimedia

1. SSHW Infographic
2. SSHW Videos (from University of Arkansas System Division of Agriculture)
3. SSHW Interview with Dr. Barbara O'Neill (from AAFCS)
4. SSHW Animated Videos
   1. Challenge Yourself to Health and Wealth
   2. Health and Wealth Connections
   3. Meet Yourself Halfway
   4. Make Progress Every Day
   5. Convert Consumption Into Labor
   6. Step Down to Change
   7. Kick it up a Notch
   8. Defy Someone or Defy the Odds
   9. Live the Power of Ten

Posters

1. Are Your Savings Going Up in Smoke? (355k PDF)
2. Eating Away at Your Future? (374k PDF)
3. Is Your Lunch Eating Your Lunch? (318k PDF)
4. Nibbling Away at Your Bottom Line? (276k PDF)

Research

1. Research Model (22k PDF)

Refereed Journal Articles

1. O’Neill, B., Xiao, J.J., & Ensle, K. (2018). Positive financial practices: Do diet, sleep, and physical activity make a difference? 2018 ACCI annual meeting poster and accepted by Journal of Family and Consumer Sciences (in press). www.consumerinterests.org/assets/docs/CIA/CIA2018/O%27NeillCIA18.pdf
2. O’Neill, B., Xiao, J.J., & Ensle, K. (2018). Reading nutrition labels: A predictor of health and wealth? Journal of Human Sciences and Extension, 6(3), 1-24.docs.wixstatic.com/ugd/c8fe6e_2c2b583fb22e4cedabc7b8e91f778371.pdf
3. O’Neill, B., Xiao, J.J., & Ensle, K. (2017b). Improving health and increasing wealth: Research insights and program outreach. Journal of NEAFCS, 17, 11-23. www.neafcs.org/assets/documents/journal/2017%20jneafcs%20final%202.pdf
4. O’Neill, B., Xiao, J.J., & Ensle, K. (2017). Positive health and financial practices: Does budgeting make a difference? Journal of Family and Consumer Sciences, 109(2), 27-36. www.ingentaconnect.com/content/aafcs/jfcs/2017/00000109/00000002/art00007
5. O’Neill, B., Xiao, J.J., & Ensle, K. (2016). Positive health and financial behaviors: The impact of time expenditure behavior and avoidance. Journal of Personal Finance, 15(2), 41-51.
6. O'Neill, B., Xiao, J.J., & Ensle, K.M. Propensity to Plan: A Key to Health and Wealth? Journal of Financial Planning, (2016), 29(3), 42-51. URL: www.onefpa.org/journal/Pages/MAR16-Propensity-to-Plan-A-Key-to-Health-and-Wealth.aspx.
7. O'Neill, B. The greatest Wealth is Health: Relationships Between Health and Financial Behaviors. Journal of Personal Finance, (2015), 14(1).
   URL: www.iarfc.org/documents/issues/Vol.14Issue1.pdf.
8. O’Neill, B. & Ensle, K. Small Steps to Health and Wealth™: Program Update and Research Insights. The Forum for Family and Consumer Issues (2014), (19(1). [WWW Document] URL: ncsu.edu/ffci/publications/2014/v19-n1-2014-spring/oneil-ensle.php.
9. O'Neill, B. & Ensle, K. Have it Their Way: Creating Personalized Online Challenges to Motivate Learners. Journal of Extension (April 2012), 50(2), 6 pages [WWW Document] URL: tigerprints.clemson.edu/joe/vol50/iss2/49/.
10. O'Neill, B. & Ensle, K. The Online Small Steps to Health and Wealth™ Challenge: A Model for Interdisciplinary FCS Programs. Journal of Family and Consumer Sciences (2010), 102(4), 52-55.
11. O'Neill, B. Health and Wealth Connections: Evidence from Research and Practice. Journal of Family and Consumer Sciences (2009), 101(3), 14-19.
12. O'Neill, B. & Ensle, K. Small Steps to Health and Wealth™: Available Resources and Potential Economic Impacts. The Forum for Family and Consumer Issues (Summer/Fall 2008), 13(2), 5 pages [ WWW document] URL: ncsu.edu/ffci/publications/2008/v13-n2-2008-summer-fall/oneill.php.
13. O'Neill, B. Health and Wealth Connections: Implications for Financial Planners. Journal of Personal Finance (2005), 4(2), 27-39.
14. O'Neill, B. Small Steps to Health and Wealth. The Forum for Family and Consumer Issues, (December 2004), 9(3), 8 pages. [WWW document] URL: www.ces.ncsu.edu/depts/fcs/pub/9_3/smallsteps.html.

Refereed Abstracts

1. Ensle, K. & O'Neill, B. An On-Line Challenge in Health, Nutrition, and Finance Behaviors. Journal of Nutrition Education and Behavior, Society for Nutrition Education, 2011, 43(4S1), S-42.
2. O'Neill, B. & Ensle, K. The Small Steps to Heath and Wealth ™ Challenge: An Online Tool to Motivate Consumers to Make Positive Behavior Changes. Eastern Family Economics/ Resource Management Association, (2010), 1 page. [WWW document] URL: mrupured.myweb.uga.edu/proceedings2010.shtml.
3. Block, L., Kranch, R., O'Neill, B., & Ensle, K. Health and Wealth- A No-Risk Investment: Online Behavior Change Strategies to Improve Health and Wealth. Association for Financial Counseling and Planning Education, (2009), 64.
4. O'Neill, B. 25 Steps to Health and Wealth: The Small Steps to Health and Wealth Workbook. Association for Financial Counseling and Planning Education, (2006), 110.
5. O'Neill, B. Changing Behavior One Step at a Time: The Small Steps to Health and Wealth™ Workbook. Consumer Interests Annual, (American Council on Consumer Interests), (2006), 52, 417-418.
6. O'Neill, B. Small Steps to Health and Wealth. Association for Financial Counseling and Planning Education, (2005), 85.

Workplace Wellness: Small Steps to Health & Wealth

1. Introduction (515k PDF)
2. Track Your Current Behavior (501k PDF)
3. Unload Your Childhood Baggage (620k PDF)
4. Put Your Mind to It (439k PDF)
5. Commit to Making a Change (425k PDF)
6. Defy Someone or Defy the Odds (357k PDF)
7. Think Balance-Not Sacrifice (371k PDF)
8. Control Your Destiny (371k PDF)
9. Make Progress Every Day (404k PDF)
10. Get Helpand Be Accountable (450k PDF)
11. Meet Yourself Halfway (450k PDF)
12. Say No to Super Sizing (483k PDF)
13. Convert Consumption Into Labor (431k PDF)
14. Compare Yourself With Recommended Benchmarks (465k PDF)
15. Use Easy Frames of Reference (427k PDF)
16. Automate Good Habits and Create Templates (414k PDF)
17. Live The Power of 10 (450k PDF)
18. Take Calculated Risks and Conquer Your Fears (399k PDF)
19. Appreciate Teachable Moments and Wake-up Calls (450k PDF)
20. Weigh the Costs and Benefits of Changing (454k PDF)
21. Step Down to Change (469k PDF)
22. Kick it Up a Notch (547k PDF)
23. Control Your Environment (522k PDF)
24. Monitor Your Progress and Reward Success (500k PDF)
25. Expect Obstacles and Prepare for Relapses (568k PDF)
26. Set a Date and Get Started—Just Do It (466k PDF)