What do you wish you would’ve known when you were younger? Everyone has something—most people have a whole list. When you’re just starting out, you make decisions based on your limited knowledge of the world and learn from the consequences. But what if you had a little help? That’s where On Your Own comes in.
When Keve was younger he and his friends thought they needed money to validate themselves. While his friends were off spending extravagantly, Keve learned to live within his means.
How to Claim Charitable Donations
3 Common Charitable Giving Mistakes
A retirement paycheck is a practical way of thinking about how you will pay yourself during your retirement years.
This worksheet helps you track your spending for a month.
Thinking of increasing your 401(k) contribution? Use this calculator to help compare your what-if scenarios.
Some tips on how to spend graduation money.
Are you prepared to welcome your adult child back into your home— and wallet— again?
Search the database for hundreds of noncommercial guides and tools providing in-depth information on a variety of money management topics.
Ten Basic steps to help you get started and get smart about your money.
Before you create a budget or make spending cuts, take the LifeValues quiz to determine what it is that you value most.
Tips on managing not only your financial documents, but also your time.
Keep track of your expenses and find your spending leaks.
Making smarter spending decisions is another way to "find" money without actually making more.
Identify the debt you have and use these tips to pay it off.
Maintaining a strong credit report can help you in a number of ways.
One of the best and easiest ways to save money and start a strong retirement income planning program is to pay yourself first.
Whatever your goals might be, you have a better chance of achieving them if you write them down.
One of the best ways to make sure your daily spending habits don't overwhelm your goals is to create a spending plan.
For longer-term objectives, one of the best ways to watch your money grow is to invest.
Like and Share SAM
Sign up to have timely money management tips, articles, and ideas delivered monthly to your inbox. View past issues here.
Get twice weekly financial texts with tips and reminders sent directly to your mobile phone.
Copyright © 2015
National Endowment for Financial Education | 1331 17th Street, Suite 1200 | Denver, CO 80202
My Smart Toolbox
When you create an account you can save articles and tools and input your budget in the My Smart Toolbox. Then access it on your mobile phone.
Get helpful tips, articles, and ideas for addressing the financial questions and decisions in your life delivered to your inbox monthly.
SAM on the Go
Get weekly financial tips and reminders directly to your mobile phone.
Sign up for SAM's FREE text messaging program and receive financial tips (2 tips/week) and reminders sent directly to your mobile phone.
By checking this box I agree to receive automated text messages from smartaboutmoney.org to the mobile number I have provided. I understand that I am not required to provide my consent as a condition of purchasing any goods or services. 8 msgs/month. Message & Data Rates May Apply.
Reply HELP for HELP, Reply STOP to cancel. Terms and Conditions
SAM won't ask you for personal banking or investing account information.
Welcome to Smart About Money website (the "Site"). The Site is operated by the National Endowment for Financial Education®, a Colorado
between NEFE and You or, in the case that you represent and are using the Site on behalf of a company or other entity, that company or other entity
("You"). If you do not agree to be bound by this Agreement, please exit the Site now and refrain from using any materials or content that you may have
1. USE OF THE SITE. This Site is not intended for use by children under the age of 13. You may access and use the Site solely for lawful
purposes and only in accordance with the terms of this Agreement. Access to certain portions of the Site or use of certain content may require that you
agree to the terms of an additional agreement. Any such additional agreement is in addition to this Agreement and, in the event of a conflict between the
terms of this Agreement and the additional agreement, the terms of the additional agreement will control. NEFE reserves the right at any time and in its
sole discretion to modify, suspend, or discontinue the Site (or any portion thereof) with or without notice.
This Site may include a process by which You may apply to become a registered user (a "Registered User") of the Site in order to access nonpublic areas of
the Site. If the Site has such a registration process, Your access to the Site will be limited until You apply for and are approved as a Registered User of
the Site. Your approval as a Registered User is at the sole discretion of NEFE. In connection with Your application to become a Registered User, You may be
asked to submit certain information about yourself ("Registration Information"). If Your application to become a Registered User is approved, You will be
asked to create a password-protected account to access certain nonpublic areas of the Site (an "Account"). You agree to keep your Account information and
password confidential. You agree to notify NEFE immediately of any actual or suspected unauthorized use of your Account. You are solely responsible for all
activities that occur through Your Account. NEFE will not be responsible for any loss to You caused by your failure to comply with these obligations. You
represent and warrant that: (a) all Registration Information You have provide is true, accurate, current, and complete; and (b) You will maintain and
promptly update the Registration Information to keep it true, accurate, current, and complete. As part of the registration process, you may be assigned or
permitted to create a user ID for use in identifying your Account (a "User ID"). You may not: (i) select or use a User ID of another person with the intent
to impersonate that person; (ii) use a User ID in which another person has rights without such person's authorization; or (iii) use a User ID that NEFE, in
its sole discretion, deems offensive. Failure to comply with the foregoing shall constitute a breach of this Agreement, which may result in immediate
termination of your Account.
3. TERM AND TERMINATION.
This Agreement will be effective on the date You first use the Site and will continue until terminated. NEFE may terminate this Agreement immediately, for
any reason or no reason, with or without notice to You. You may terminate this Agreement upon written notice to NEFE, such termination effective 10
business days following acknowledgment of receipt of such notice by NEFE. NEFE may also suspend your use of the Site and direct You to cease using the Site
with or without notice to You and with or without cause. Upon any termination of this Agreement, all rights granted to You under this Agreement will cease;
if You are a Registered User, your Account will be closed, and You must promptly discontinue all access to any part of the Site and the use of any Content
downloaded or otherwise obtained from the Site. Sections 3, 4, 5, 6, 9, 10, 13 and 14 will survive termination or expiration of this Agreement for any
The text, files, images, graphics, illustrations, information, data, audio, video, photographs and other content (collectively, "Content") available on or
offered through the Site (such Content, collectively, "Site Content") are protected by intellectual property rights, including, as applicable and without
limitation, copyrights, trademarks, patents, and other proprietary and intellectual property rights ("Intellectual Property Rights"). Unless otherwise
noted on the Site, as between You and NEFE, its partners, affiliates, and licensors ("Affiliates"), all Site Content is owned by NEFE and its Affiliates.
Unless otherwise specifically stated in connection with particular Site Content, or in an additional agreement between NEFE and You, the following terms
and conditions apply to your use of Site Content.
a. You may print a copy of any Site Content solely for your own personal, non-commercial use. b. You must use the Site Content in conformance with all
terms and conditions displayed on the Site.
c. You may use any Site Content only for instructional and educational purposes as part of programs sponsored by NEFE, or for such other express purpose as
may be expressly indicated on the Site Content itself.
d. You may use the Site Content only in the form provided on or through the Site and may not modify, amend, or combine any Site Content with other material
to form any new Content.
e. You may not use any Site Content for any commercial purpose or charge a fee or other consideration in exchange for the Site Content.
f. You may not utilize the Site Content to sell, advertise, endorse, or otherwise promote any other service, product, or party.
g. All use of the Site Content must be accompanied by an acknowledgment that the Site Content is owned by NEFE.
h. You must otherwise abide by all Intellectual Property Rights, notices, information, or restrictions contained on or in any Site Content.
i. You obtain no ownership rights in or to the Site or Site Content through this Agreement, and no other rights to utilize the Site Content other than as
expressly set forth in this Agreement.
Your access to and use of any Site Content is also subject to any other license or other agreement separate from this Agreement that You may have entered
into (or may enter into) with NEFE relating to that Site Content (each such license or other agreement, a "Content Agreement"). Except as expressly set
forth in this Agreement or any Content Agreement, You are granted no licenses or rights, whether by implication, estoppel, or otherwise, in or to the Site
or Site Content, or any Intellectual Property Rights therein or related thereto, and You may not modify, reproduce, perform, display, create derivative
works from, republish, post, transmit, participate in the transfer or sale of, distribute, or in any way exploit any portion of the Site or Site Content
without the prior written permission of NEFE. If you would like to use the Site Content in a manner that is not expressly set forth in this Agreement or
any other Content Agreement, please send your request to NEFE byclicking here or by emailing NEFE at firstname.lastname@example.org.
Unless otherwise labeled, all trademarks, service marks, logos, banners, and page headers displayed on this Site (collectively, the "Marks") are the
property of NEFE and its Affiliates. Except as expressly set forth in this Agreement, You may not display, link to, or otherwise use the Marks without the
prior written permission of NEFE.
6. POSTINGS AND USER CONTENT.
The Site may include forums, bulletin boards, chat rooms, or other opportunities through which You may provide or upload Content to the Site (such Content,
"Provided Content"). You agree not to upload or provide any Provided Content that is: (1) libelous, defamatory, obscene, abusive, pornographic,
threatening, or an invasion of privacy; (2) an infringement of the Intellectual Property Rights of any third party; (3) illegal in any way or that
advocates illegal activity; (4) an advertisement or solicitation of funds, goods, or services. You hereby represent and warrant to NEFE and its Affiliates
that You own all right, title, and interest in and to any Provided Content that You provide or upload to the Site, or that You have sufficient rights,
whether by implication, estoppel, or otherwise, to grant NEFE the rights discussed in this Section 6. You will indemnify, defend, and hold harmless NEFE
and its Affiliates from any and all third-party claims, losses, liabilities, damages, fees, expenses, and costs (including attorneys' fees and court costs)
that result from a breach or alleged breach of any representation or warranty set forth in Section 6. By providing or uploading any Provided Content to the
Site, You grant NEFE a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, copy, store, reproduce, modify, display,
adapt, publish, translate, create derivative works from, distribute, and display such Provided Content throughout the world in any form, media, software,
or technology of any kind now known or hereafter developed. In addition, you waive all moral rights in the Provided Content or warrant that all moral
rights applicable to such content have been waived. You also grant NEFE the right to use Your name in connection with the reproduction or distribution of
7. CLAIMS OF INFRINGEMENT
. Just as NEFE requires users of the Site to respect the copyrights and other intellectual property rights of NEFE, its Affiliates, and third parties, NEFE
respects the copyrights and other intellectual property rights of users of the Site and other third parties. If You believe in good faith that Your
copyrighted work has been reproduced on the Site without authorization in a way that constitutes copyright infringement, You may notify our designated
copyright agent by mail to:
National Endowment for Financial Education
Attn: Copyright Infringement Agent
1331 17th Street, Suite 1200
Denver, CO 80202
Please provide the following information to NEFE's Copyright Infringement Agent:
(1) the identity of the infringed work, and of the allegedly infringing work;
(2) Your name, address, daytime phone number, and E-mail address, if available;
(3) a statement that You have a good-faith belief that the use of the copyrighted work is not authorized by the owner, his or her agent, or the law;
(4) a statement of the accuracy of the notice and, under penalty of perjury, that You are authorized to act on behalf of the owner; and
(5) Your electronic or physical signature.
8. REPRESENTATIONS AND WARRANTIES
. You hereby represent, warrant, and covenant for the benefit of NEFE and its Affiliates that: (1) You have the legal right and authority to enter into
this Agreement, and, if You are accepting this Agreement on behalf of a company or other entity, to bind the company or other entity to the terms of this
Agreement; (2) You have the legal right and authority to perform Your obligations under this Agreement and to grant the rights and licenses described in
this Agreement and in any applicable additional agreement You enter into in connection with the Site or Content; (3) all information You provide to NEFE in
connection with this Agreement and Your access to the Site and use of the Site or Content is correct and current.
9. DISCLAIMER AND LIMITATION OF LIABILITY.
9.1 Disclaimer. THE SITE IS PROVIDED BY NEFE "AS IS" and "AS AVAILABLE" WITH NO WARRANTIES WHATSOEVER. NEITHER NEFE NOR ITS AFFILIATES REPRESENT OR ENDORSE
THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION OR MATERIALS DISPLAYED, DOWNLOADED FROM, OR DISTRIBUTED THROUGH THE
SITE. YOU AGREE THAT YOUR ACCESS TO THE SITE IS AT YOUR OWN RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS
TO THE SITE OR SUCH INFORMATION OR MATERIALS. EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED OR
EXCLUDED BY AGREEMENT, NEFE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE SITE AND SUCH INFORMATION, INCLUDING, WITHOUT
LIMITATION, ALL WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. YOU RECOGNIZE THAT THE CURRENT STATE OF
TECHNOLOGY DOES NOT ALLOW FOR ERROR-FREE ACCESS TO THE SITE AND INTERRUPTIONS, CRASHES, AND DOWNTIME BEYOND NEFE'S CONTROL MAY OCCUR FROM TIME TO TIME.
9.2 Limitation. IN NO EVENT WILL NEFE BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, SPECIAL, INDIRECT, EXEMPLARY, OR PUNITIVE DAMAGES, WHETHER IN CONTRACT,
TORT, OR ANY OTHER LEGAL THEORY, IN CONNECTION WITH YOUR ACCESS TO THE SITE OR USE OF ANY INFORMATION OR MATERIALS DISPLAYED, DOWNLOADED FROM, OR
DISTRIBUTED THROUGH THE SITE, EVEN IF NEFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY
LIMITED REMEDY. NEFE's total aggregate liability for any damages arising out of or related to this Agreement or the Site will not exceed $250.
You will indemnify, defend, and hold harmless NEFE and its Affiliates, employees, agents, contractors, assigns, licensees, and successors in interest
("Indemnified Parties") from any and all claims, losses, liabilities, damages, fees, expenses, and costs (including attorneys' fees, court costs, damage
awards, and settlement amounts) that result from any claim or allegation against any Indemnified Party arising from Your accessing the Site or Your breach
of any term of this Agreement. NEFE will provide You with notice of any such claim or allegation, and NEFE will have the right to participate in the
defense of any such claim at its expense.
12. LINKED SITES.
The Site may contain links to third-party sites that are not under the control of NEFE, and NEFE is not responsible for any content on any third-party
site. If you access a third-party site from the Site, then you do so at your own risk. NEFE provides links only as a convenience, and the inclusion of the
link does not imply that NEFE endorses or accepts any responsibility for the content on those third-party sites. NEFE welcomes links to the Site. You may
establish a link to this Site, provided that the link does not state or imply any sponsorship or endorsement of You or Your site by NEFE or any group or
individual affiliated with NEFE. You may not use any Content or Marks appearing on the Site in establishing the link. You may not frame or otherwise
incorporate into another site the Content or other materials on the Site without prior written consent from NEFE.
Except as expressly stated otherwise, any notices to NEFE required or allowed under this Agreement will be given to NEFE by postal mail to the address for
NEFE listed on the Site. If applicable law requires that NEFE accepts E-mail notices (but not otherwise), then You may send NEFE an E-mail notice by clicking here or by emailing NEFE at email@example.com. With
respect to NEFE's notices to You, NEFE may provide notice of amendments by posting them on the Site and You agree to check for changes. In addition, or in
lieu thereof, NEFE may give notice by sending E-mail to the E-mail address You provide during registration for the Site, or by courier or postal mail if
Your address is known to NEFE. Notice shall be deemed given 24 hours after it is posted or an E-mail is sent, unless (as to E-mail) the sending party is
notified that the E-mail address is invalid, or 3 business days after sending in the event of use of courier or postal mail.
14. GENERAL TERMS.
14.1 Third-Party Beneficiaries. NEFE's Affiliates are intended third-party beneficiaries under this Agreement with the right to enforce the provisions that
directly concern Content to which they have rights.
14.2 Nonassignment. You may not assign or transfer any of Your rights hereunder, and any attempt to do so will be null and void.
14.3 Severability. If for any reason any provision of this Agreement shall be held invalid or unenforceable in whole or in part in any jurisdiction, such
provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability, without in any manner affecting the validity
or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.
14.5 Jurisdiction and Venue. This Agreement will be governed by the laws of the State of Colorado, without giving effect to any conflict of laws
principles. The parties specifically exclude from application to the Agreement the United Nations Convention on Contracts for the International Sale of
Goods and the Uniform Computer Information Transactions Act. You hereby irrevocably and unconditionally consent to the jurisdiction and venue in the state
and federal courts sitting in Denver, Colorado. In any such dispute, the prevailing party will be entitled to recover its reasonable attorneys' fees and
expenses from the other party.
Get helpful tips, articles, and ideas for addressing the financial questions and decisions in your life delivered to your inbox monthly.
You are signing up for SmartAboutMoney.org's free monthly email newsletter, SAM Says.
Almost done! Please fill out the CAPTCHA below
Thank you for signing up! Once a month, look for the latest edition of SAM Says in your email. SAM Says provides you with the tips and tools you need to stay on top of your financial wellness.
Reply HELP for HELP
Reply STOP to cancel.
Terms and Conditions
Supported Carriers: Alltel, AT&T, Cellcom, Cellular South, Cincinnati bell, nTelos, Nextel, Sprint, T‐Mobile, US Cellular, Verizon Wireless, Virgin Mobile. Must have a compatible handset. Reply STOP to cancel. Reply HELP for help. Charges will appear on your wireless bill or deducted from a prepaid account.