A Framework for Understanding Poverty by Ruby K. Payne, Ph.D.
  • Title Page
  • Introduction
  • Definitions and Resources
    • Help for Teachers
  • The Role of Language and Story
  • Hidden Rules Among Classes
    • How do you score?
  • Characteristics of Poverty
    • Definition
    • Attitude
    • Poverty Cultural Student Inventory
  • Models and Emotional Resources
    • Emotional Resources
    • How do we do this at school?
  • Support Systems
    • Systems of Support
    • Support Systems at School
  • Creating Relationships
    • Motivation to Learn & Change
    • Relationship Bank Account
  • Discipline
    • Definitions
    • Language of Negotiation
    • What Can Schools Do?
  • Instruction and Improving Achievement
    • Focus on Learning
    • Cognitive Strategies
    • What Can Schools Do?>
      • Artifact Analysis
  • Conclusion

Relationship Bank Account

A relationship bank account is an emotional bank account similar to a regular bank account. In a relationship bank account different actions and attitudes make deposits and withdrawals to and from individuals in the relationship.

(This concept was originally created by Stephen Covey in 7 Habits of Highly Effective People. Payne adapted the concept to better represent deposits and withdrawals for people living in poverty.) 
Picture

Deposits


Appreciation for humor and entertainment provided by the individual

Acceptance of the individual cannot say about a person or situation

Respect for the demands and priorities of relationships

Using the adult voice

Assisting with goal setting

Identifying options related to available resources

Understanding the importance of personal freedom, speech, and individual personality

Withdrawals


Put-downs or sarcasm about the humor or the individual

Insistence and demands for full explanation about a person or situation

Insistence on the middle-class view of relationships

Using the parent voice

Telling the individual his/her goals

Making judgements on the value and availability of resources

Assigning pejorative character traits to the individual

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