{"id":7118,"date":"2019-10-30T10:29:21","date_gmt":"2019-10-30T14:29:21","guid":{"rendered":"https:\/\/www.ucf.edu\/financial-aid\/?page_id=7118"},"modified":"2025-09-11T09:40:20","modified_gmt":"2025-09-11T13:40:20","slug":"spending","status":"publish","type":"page","link":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/","title":{"rendered":"Healthy Spending"},"content":{"rendered":"<h2>Tips To Help Cultivate Good Spending Habits<\/h2>\n<ul>\n<li>Create a budget and stick to it.<\/li>\n<li>Think about purchases before you buy (even small purchases like a daily coffee drink add up).<\/li>\n<li>Be a smart shopper\u2026 look for sales, discounts and coupons, but remember purchasing something you don\u2019t need just because it\u2019s on sale doesn\u2019t save money. It actually costs you money.<\/li>\n<li>Do not subscribe to receive notifications of flash sales for retail. It\u2019s hard to resist these enticing offers.<\/li>\n<\/ul>\n<blockquote class=\"blockquote\"><p>\u201cIt\u2019s not your salary that makes you rich; it\u2019s your spending habits\u201d<\/p>\n<footer class=\"blockquote-footer\">\u2013 Charles A. Jaffe<\/footer>\n<\/blockquote>\n<p class=\"mb-4\">Developing and maintaining healthy spending habits can greatly impact your financial future. Overspending can lead to a lack of available funds when the unexpected occurs. Developing a spending plan helps you to understand what monetary resources are available to you as well as your expected expenses. When developing a spending plan, it is important to understand your needs versus your wants. Needs are the things necessary for your survival such as rent or mortgage, utilities, food, transportation to and from school and\/or work. Wants are those things that make you more comfortable such as cable television, new clothing, or entertaining yourself. When creating a spending plan, your needs should be your priority. Once you have covered all of the necessities, you may be able to include a few of your wants in your spending plan.<\/p>\n<h2 class=\"h5 text-uppercase mt-4 mb-2 pt-3\">Healthy Spending Resources<\/h2>\n\t\t\t<ul class=\"nav d-flex flex-column align-items-start\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/handsonbanking.org\/\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tInteractive Money Management Tutorials\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/www.schwabmoneywise.com\/public\/moneywise\/tools_resources\/spending_tracker\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tDownload a Spending Tracker\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/www.mint.com\/\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tManage Your Finances Online\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<\/ul>\n\t\t\n","protected":false},"excerpt":{"rendered":"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily coffee drink add up). Be a smart shopper\u2026 look for sales, discounts and coupons, but remember purchasing something you don\u2019t need just because it\u2019s on sale doesn\u2019t save money.&hellip;","protected":false},"author":4,"featured_media":0,"parent":6823,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-right-sidebar-child.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-7118","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance<\/title>\n<meta name=\"description\" content=\"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance\" \/>\n<meta property=\"og:description\" content=\"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/\" \/>\n<meta property=\"og:site_name\" content=\"Â鶹ӳ»­´«Ã½ Financial Aid\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-11T13:40:20+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/spending\\\/\",\"url\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/spending\\\/\",\"name\":\"Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/#website\"},\"datePublished\":\"2019-10-30T14:29:21+00:00\",\"dateModified\":\"2025-09-11T13:40:20+00:00\",\"description\":\"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/spending\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/spending\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/spending\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Centsible Knights\",\"item\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Healthy Spending\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/#website\",\"url\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/\",\"name\":\"Â鶹ӳ»­´«Ã½ Financial Aid\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance","description":"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/","og_locale":"en_US","og_type":"article","og_title":"Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance","og_description":"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily","og_url":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/","og_site_name":"Â鶹ӳ»­´«Ã½ Financial Aid","article_modified_time":"2025-09-11T13:40:20+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/","url":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/","name":"Healthy Spending | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance","isPartOf":{"@id":"https:\/\/www.ucf.edu\/financial-aid\/#website"},"datePublished":"2019-10-30T14:29:21+00:00","dateModified":"2025-09-11T13:40:20+00:00","description":"Tips To Help Cultivate Good Spending Habits Create a budget and stick to it. Think about purchases before you buy (even small purchases like a daily","breadcrumb":{"@id":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/spending\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ucf.edu\/financial-aid\/"},{"@type":"ListItem","position":2,"name":"Centsible Knights","item":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/"},{"@type":"ListItem","position":3,"name":"Healthy Spending"}]},{"@type":"WebSite","@id":"https:\/\/www.ucf.edu\/financial-aid\/#website","url":"https:\/\/www.ucf.edu\/financial-aid\/","name":"Â鶹ӳ»­´«Ã½ Financial Aid","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ucf.edu\/financial-aid\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"acf":[],"_links":{"self":[{"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/pages\/7118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/comments?post=7118"}],"version-history":[{"count":11,"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/pages\/7118\/revisions"}],"predecessor-version":[{"id":13148,"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/pages\/7118\/revisions\/13148"}],"up":[{"embeddable":true,"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/pages\/6823"}],"wp:attachment":[{"href":"https:\/\/www.ucf.edu\/financial-aid\/wp-json\/wp\/v2\/media?parent=7118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}