CINXE.COM

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r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[pe,w,N,_e,Ie,O,M,at,dt,je,it],loaderType:"spa"})})()})();</script> <link rel="shortcut icon" href="https://finlit.yale.edu/sites/all/themes/yalenew_base/images/favicon.ico" type="image/vnd.microsoft.icon" /> <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=10, minimum-scale=1, user-scalable=yes" /> <meta name="description" content="The best part of making money is being able to spend it! 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Requests</a></li></ul></li></ul> </div> </div> </div> </nav> </div> </div> </div> </div> </div> </div> </div> <div id="zone-content-wrapper" class="zone-wrapper zone-content-wrapper clearfix"> <div id="zone-content" class="zone zone-content clearfix container-12"> <div id="breadcrumb" class="grid-12"><nav class="breadcrumb" role="navigation" aria-label="You are here"><a href="/">Home</a><span class="tic"> > </span><a href="/saving">Saving $</a><span class="tic"> > </span>Spending 101</nav></div> <div id="moved-sidenav-wrapper" class="moved-sidenav-wrapper grid-12"> <div id="moved-sidenav" class="moved-sidenav" data-set="append-sidenav"></div> </div> <div class="grid-8 region region-content" id="region-content"> <div class="region-inner region-content-inner"> <a id="main-content" tabindex="-1"></a> <h1 class="title" id="page-title">Spending 101 </h1> <div class="block block-system block-main block-system-main odd block-without-title" id="block-system-main"> <div class="block-inner clearfix"> <div class="content clearfix"> <article about="/saving/spending-101" typeof="foaf:Document" class="node node-page node-published node-not-promoted node-not-sticky author-46 odd clearfix" id="node-page-131">  <span property="dc:title" content="Spending 101" class="rdf-meta element-hidden"></span><span property="sioc:num_replies" content="0" datatype="xsd:integer" class="rdf-meta element-hidden"></span> <div class="content clearfix"> <div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>The best part of making money is being able to spend it! In this section, we will talk about spending money, and share some resources to help you make good spending decisions.</p> <p>It is important to find a balance between the money you spend on necessities, the money you save, and the money you can spend on whatever you want. The easiest way to differentiate is by <a href="/planning/budgeting-and-goal-setting">making a budget</a>. A budget is a way for you to determine how much money you need to spend per month on necessities such as rent and food, decide how much you wish to save, and then understand how much money you have left over to spend.</p> <blockquote><p>When choosing what to spend your money on, you must first set aside money for your necessities…</p> </blockquote> <p>When choosing what to spend your money on, you must first set aside money for your necessities(rent, food, utilities, toiletries, etc.). Put aside slightly more than you think you will need — better to end up with extra money at the end of the month than not enough. </p> <p>Once you have put aside money for your monthly necessities, you may wish to allocate about 15 to 20 percent of your income to savings. These savings can be used in case of emergencies, and can also be invested in order for your money to grow.</p> <p>After that, you are left with the money you can spend on whatever you want. Make responsible decisions — you might not want to spend all of your money on one thing — but as long as you have a budget and have set aside the necessary amounts for expenses and savings, go ahead and treat yourself… responsibly!</p> </div></div></div><div class="field field-name-field-fontawesome-icon field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">fa-shopping-basket</div></div></div><div class="field field-name-field-label-text field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">spending</div></div></div><div class="field field-name-field-label-background-color-hex field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">mauve</div></div></div> </div> <div class="clearfix"> <nav class="links node-links clearfix"></nav> </div> </article> </div> </div> </div> <div class="block block-views block-fin-lit-resources-list-block-13 block-views-fin-lit-resources-list-block-13 even" id="block-views-fin-lit-resources-list-block-13"> <div class="block-inner clearfix"> <h2 class="block-title">Spending Resources</h2> <div class="content clearfix"> <div class="view view-fin-lit-resources-list view-id-fin_lit_resources_list view-display-id-block_13 topic-resource-list view-dom-id-b9d2f4448b277f0463a6d76f4746d67b"> <div class="view-header"> <style type="text/css"> #edit-field-flr-yale-resource-value-wrapper > label { display: none; font-weight: normal; } #edit-field-flr-yale-resource-value-wrapper label { font-weight: normal; } .views-exposed-form .form-text { height: 50px; } #edit-field-flr-yale-resource-value-wrapper { clear: both; } @media (min-width: 1025px) { .resource-wrap { margin: 0 -3.5%; } #topics { margin-top: -7px; } } @media (max-width: 1024px) and (min-width: 740px) { .resource-wrap { margin: 0 -2%; } } </style> </div> <div class="view-filters"> <form class="ctools-auto-submit-full-form" action="/" method="get" id="views-exposed-form-fin-lit-resources-list-block-13" accept-charset="UTF-8"><div><div class="views-exposed-form"> <div class="views-exposed-widgets clearfix"> <div id="edit-field-flr-yale-resource-value-wrapper" class="views-exposed-widget views-widget-filter-field_flr_yale_resource_value"> <label for="edit-field-flr-yale-resource-value"> Yale Resources Only </label> <div class="views-widget"> <div class="form-item form-type-select form-item-field-flr-yale-resource-value"> <div class="form-checkboxes bef-select-as-checkboxes"><div class="bef-checkboxes"><div class="form-item form-type-bef-checkbox form-item-edit-field-flr-yale-resource-value-1"> <input type="checkbox" name="field_flr_yale_resource_value[]" id="edit-field-flr-yale-resource-value-1" value="1" /> <label class='option' for='edit-field-flr-yale-resource-value-1'>Yale Resources Only</label> </div> </div></div> </div> </div> </div> <div class="views-exposed-widget views-submit-button"> <input class="ctools-use-ajax ctools-auto-submit-click js-hide form-submit" type="submit" id="edit-submit-fin-lit-resources-list" value="Search" /> </div> </div> </div> </div></form> </div> <div class="view-content"> <div class="views-row views-row-1 views-row-odd views-row-first container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/test-english-foreign-language-toefl">Test of English as a Foreign Language (TOEFL)</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/ets-toefl-vector-logo_1_0_0_0_0.png?itok=zP2t4kBU" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> As you prepare for grad school, you may need to take standardized admission exams. If you are eligible, you may apply for a graduate exam fee waiver for the Test of English as a Foreign Language (TOEFL). </p> <p> <a href="https://www.ets.org/toefl/test-takers/ibt/take/fees" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-2 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/giving-yale">Giving to Yale</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/giving_to_yale_1.jpg?itok=JUEU1vTZ" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> Are you looking to give back to the Yale community that has given so much to you? There are many ways to give to Yale. You can learn more about it and give now! </p> <p> <a href="https://giving.yale.edu/ways-to-give" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-3 views-row-odd container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/medical-college-admission-test-mcat">Medical College Admission Test (MCAT)</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/aamc-header-logo_1_0_0_0_0_0_0.png?itok=L4-s3cpk" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> As you prepare for grad school, you may need to take standardized admission exams. If you are eligible, you may apply for a graduate exam fee waiver for the MCAT. </p> <p> <a href="https://students-residents.aamc.org/choosing-medical-career/article/fee-assistance-program-relieving-cost-applying-med/" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-4 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/lit-financial-education-program">LIT Financial Education Program</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/screen_shot_2018-09-21_at_11_45_23_am_1_0_0_0_0_0_0_0_0.png?itok=yTbmXuM8" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=144">Earning</a>; <a href="?field_flr_topic_tid=140">Loans</a>; <a href="?field_flr_topic_tid=142">Saving</a>; <a href="?field_flr_topic_tid=143">Spending</a>; <a href="?field_flr_topic_tid=141">Taxes</a> | Featured Resource</h5> <p> LIT is a financial education program that teaches students how to manage their money while in school and prepare for financial life after graduation. Over the course of ~80 videos, LIT guides students through seven major personal finance topics: Money Mindset, Cash Flow & Net Worth, Credit & Loans, Taxes, Insurance, Investing, and Retirement. </p> <p> <a href="https://finlit.yale.edu/lit" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-5 views-row-odd container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/fgli-financial-resources">FGLI Financial Resources</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/screen_shot_2020-11-23_at_2.29.52_pm_1_0_0_0_0_0_0.png?itok=p7qA1suH" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=145">Financial Aid</a>; <a href="?field_flr_topic_tid=142">Saving</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> Managing finances to optimize your college experience is a challenge in itself, but the costs can often place a larger burden on low-income students. In order to support students through these challenges, we have centralized information in our Financial Guidance page as a first-go-to resource for any questions regarding finances for low-income students. </p> <p> <a href="https://fgli.yalecollege.yale.edu/financial-resources" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-6 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/yale-college-safety-net">Yale College Safety Net</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/yale_college_safety_net_logo_draft_-_read-only_1_0_0_0_0.png?itok=CK2CJH-x" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=163">Emergencies</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> This system is designed for currently enrolled students who experience emergency and unexpected financial hardship directly related to their education at Yale. </p> <p> <a href="https://finlit.yale.edu/safetynet" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-7 views-row-odd container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/start-grant">Start-up Grant</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/yale_1_0_0_0_0.png?itok=dnCu9T6D" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=145">Financial Aid</a>; <a href="?field_flr_topic_tid=147">Grants, Fellowships, and Awards</a>; <a href="?field_flr_topic_tid=142">Saving</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> The Start-Up Grant, also known as Supplemental Allowance, is an additional scholarship in an amount of $2,000 that may be used to help cover costs for associated with starting at Yale College. Examples of such costs are winter clothing, dorm necessities and course supplies. All enrolled Yale College students with ‘zero parent share’ contribution are eligible. </p> <p> <a href="https://news.yale.edu/2019/10/03/new-scholarships-ensure-affordability-yale" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-8 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/mint">Mint</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/mint-logo_2_1_0_0_0_0_0_0_0_0_0_0_0_0.png?itok=fRWIvjMh" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=142">Saving</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> Mint brings together everything from balances and bills to your credit score and more. It’s your financial life, in one place that’s easy to understand. It’s free and easy to get started, and we connect to almost every US financial institution connected to the internet. In just minutes, you’ll see where your money is going and get ideas on how to stretch it farther. </p> <p> <a href="https://www.mint.com/" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-9 views-row-odd container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/giving-and-supporting-1">Giving and Supporting</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/general_square_1_0_0_0_0_0_0_0_0.jpg?itok=AQLhK7MQ" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> Is charity important to you? Are you looking for a good cause to donate to? Follow these steps to informed giving, so you can donate to a good cause. </p> <p> <a href="https://www.charitynavigator.org/index.cfm?bay=content.view&cpid=4756" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-10 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/law-school-admission-test-lsat">Law School Admission Test (LSAT) </a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/lsac_1_0_0_0_0_0_0.jpg?itok=A8vTOqK9" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=143">Spending</a> | Featured Resource</h5> <p> As you prepare for grad school, you may need to take standardized admission exams. If you are eligible, you may apply for a graduate exam fee waiver for the LSAT. </p> <p> <a href="https://www.lsac.org/lsat/lsat-dates-deadlines-score-release-dates/lsat-cas-fees-and-refunds/fee-waivers-lsat-credential" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-11 views-row-odd container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/improve-your-credit-score">Improve Your Credit Score</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/npr_1_0_0_0_0_0_0.png?itok=yJ0azVrx" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=170">Banking</a>; <a href="?field_flr_topic_tid=143">Spending</a></h5> <p> A low credit score can have a large impact on your daily life. It's very important to learn how to manage your credit score and how to improve. This article has helpful tips! </p> <p> <a href="https://www.npr.org/2020/11/09/933053299/tricks-to-improve-your-credit-score" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-12 views-row-even views-row-last container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/transfer-money-abroad">Transfer Money Abroad </a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/transferwire_1_0_0_0_0_0_0.png?itok=WfCfaV1M" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=163">Emergencies</a>; <a href="?field_flr_topic_tid=143">Spending</a></h5> <p> Are you looking to send money to your family in a different country? TransferWise is a cheap, fast way to send money abroad. </p> <p> <a href="https://transferwise.com/ca" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> </div> <nav role="navigation" aria-label="Pages"><div class="item-list"><ul class="pager"><li class="pager-current first">1</li><li class="pager-item"><a title="Go to page 2" href="/saving/spending-101?page=1">2</a></li><li class="pager-next"><a title="Go to next page" href="/saving/spending-101?page=1">next ›</a></li><li class="pager-last last"><a title="Go to last page" href="/saving/spending-101?page=1">last »</a></li></ul></div></nav> <div class="view-footer"> <div id="search_all_link"> <p>Search through and explore all resources in the Fin Lit Resource Database.</p> <p><a href="/node/117"><input type="button" value="Search Database →"></a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="grid-4 region region-sidebar-second sidebar yale-standard-sidebar-second" id="region-sidebar-second"> <div class="region-inner region-sidebar-second-inner"> <nav class="block block-menu-block block-3 block-menu-block-3 odd has-subject" id="block-menu-block-3" role="navigation" aria-label="Saving $"> <div class="block-inner clearfix"> <h2 class="block-title"><a href="/saving" class="active-trail">Saving $</a></h2> <div class="content clearfix"> <div class="menu-block-wrapper menu-block-3 menu-name-main-menu parent-mlid-0 menu-level-2"> <ul class="menu"><li class="first leaf active-trail active menu-mlid-4430 menu-spending-101"><a href="/saving/spending-101" class="active-trail active">Spending 101</a></li> <li class="leaf menu-mlid-4431 menu-reimbursements-and-fee-waivers"><a href="/saving/reimbursements-and-fee-waivers">Reimbursements and Fee Waivers</a></li> <li class="leaf menu-mlid-4432 menu-tools-and-applications"><a href="/saving/tools-and-applications">Tools and Applications</a></li> <li class="last leaf menu-mlid-4433 menu-banking"><a href="/saving/banking">Banking</a></li> </ul></div> </div> </div> </nav> <aside class="block block-views related-topics block-related-topics-block block-views-related-topics-block even has-subject" id="block-views-related-topics-block" role="complementary" aria-label="Related Topics"> <div class="block-inner clearfix"> <h2 class="block-title">Related Topics</h2> <div class="content clearfix"> <div class="view view-related-topics view-id-related_topics view-display-id-block view-dom-id-f614c67d2ed85020ab756f57b490a7a3"> <div class="view-header"> <style type="text/css"> .view-related-topics .views-row-last hr { display: none; } </style> </div> <div class="view-content"> <div class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/planning/budgeting-and-goal-setting">Budgeting and Goal Setting</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">  What is a budget? Do I need one? At the most basic level, a budget is a way...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/planning/budgeting-and-goal-setting">Learn More →</a></h5> <hr /></span> </div> </div> <div class="views-row views-row-2 views-row-even"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/planning/understanding-credit-cards">Understanding Credit Cards</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">You have probably seen credit cards in use, or maybe even have one yourself. But do...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/planning/understanding-credit-cards">Learn More →</a></h5> <hr /></span> </div> </div> <div class="views-row views-row-3 views-row-odd views-row-last"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/getting/start-grant">Start-up Grant</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">The Start-Up Grant, also known as Supplemental Allowance, is an additional...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/getting/start-grant">Learn More →</a></h5> <hr /></span> </div> </div> </div> </div> </div> </div> </aside> </div> </div> </div> </div> </div> </main> <footer id="section-footer" class="section section-footer" role="contentinfo"> <div id="zone-footer-wrapper" class="zone-wrapper zone-footer-wrapper clearfix"> <div id="zone-footer" class="zone zone-footer clearfix container-12"> <div class="grid-2 region region-footer-first" id="region-footer-first"> <div class="region-inner region-footer-first-inner"> <div class="footer-logo"><a href="http://www.yale.edu" class="y-icons y-yale y-mark"><span class="element-invisible">Yale</span></a></div> </div> </div> <div class="grid-6 region region-footer-second" id="region-footer-second"> <div class="region-inner region-footer-second-inner"> <p class="copyright"> <a href="https://usability.yale.edu/web-accessibility/accessibility-yale">Accessibility at Yale</a> · <a href="http://www.yale.edu/privacy-policy">Privacy policy</a> <br> Copyright © 2025 Yale University · All rights reserved </p> <div class="block block-block safetynet-footer block-22 block-block-22 odd block-without-title" id="block-block-22"> <div class="block-inner clearfix"> <div class="content clearfix"> <p>For questions about the Financial Literacy website or Yale College Safety Net, please <a href="/node/136">contact us</a>.</p> <p style="margin-top: 15px;">This work is licensed under a <a rel="license" href="http://creativecommons.org/licenses/by-nc-sa/4.0/">Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License</a>.</p> <p style="margin-top: 15px;"><a rel="license" href="http://creativecommons.org/licenses/by-nc-sa/4.0/"><img alt="Creative Commons License" style="border-width:0" src="https://i.creativecommons.org/l/by-nc-sa/4.0/88x31.png" /></a></p> </div> </div> </div> </div> </div> <div class="grid-4 region region-footer-third" id="region-footer-third"> <div class="region-inner region-footer-third-inner"> <div class="block block-menu sharing block-menu-social-buttons block-menu-menu-social-buttons odd block-without-title" id="block-menu-menu-social-buttons"> <div class="block-inner clearfix"> <div class="content clearfix"> <ul class="menu"><li class="first leaf menu-facebook"><a href="https://www.facebook.com/YaleUniversity" class="fa fa-facebook-square"><span>Facebook</span></a></li> <li class="leaf menu-twitter"><a href="http://www.twitter.com/yale" class="fa fa-twitter"><span>Twitter</span></a></li> <li class="leaf menu-itunes"><a href="http://itunes.yale.edu" class="fa fa-apple"><span>iTunes</span></a></li> <li class="leaf menu-youtube"><a href="http://www.youtube.com/yale" class="fa fa-youtube-play"><span>YouTube</span></a></li> <li class="leaf menu-sina-weibo"><a href="http://weibo.com/yaleuniversity" class="fa fa-weibo"><span>Sina Weibo</span></a></li> <li class="last leaf menu-tumblr"><a href="http://yaleuniversity.tumblr.com" class="fa fa-tumblr-square"><span>Tumblr</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </div></footer> </div> <div class="region region-page-bottom" id="region-page-bottom"> <div class="region-inner region-page-bottom-inner"> </div> </div> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_JMVekk522eOkII71K9F5yD4Su-iRqPdTR_-LxjPAtMk.js"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"NRJS-6ba1f0ab0fea755e2e6","applicationID":"1525360453","transactionName":"ZlxRN0UEDUYDB0ELXV8WZhFeSkxcDABQGhxBUUM=","queueTime":0,"applicationTime":366,"atts":"ShtSQQ0eHkg=","errorBeacon":"bam.nr-data.net","agent":""}</script></body> </html>