Your Spending, Your Savings, Your Future: A Beginner's Guide to Financial Readiness
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YOUR SPENDING, YOUR SAVINGS, YOUR FUTURE: A BEGINNER'S GUIDE TO FINANCIAL READINESS is a beginner's guide to financial readiness. This all-in-one booklet addresses financial goal setting, getting out of debt, using checking accounts and credit cards, monitoring and controlling spending, and boosting savings and investments.

National Endowment for Financial Education (NEFE)
National Endowment for Financial Education
Published / Released Year
Resource Categories
Resource Type
Booklet/Pamphlet, Downloadable resources
Target Users
Student, self-directed study
Grade Level
11th grade, 12th grade, College & young adult
English, Spanish
Jump$tart Standards
  • CD1 - Analyze the costs and benefits of various types of credit
  • FDM1 - Recognize the responsibilities associated with personal financial decisions
  • SS1 - Develop a plan for spending and saving

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