{"id":243,"date":"2016-02-04T19:51:45","date_gmt":"2016-02-04T19:51:45","guid":{"rendered":"https:\/\/courses.candelalearning.com\/lumencollegesuccess\/?post_type=chapter&#038;p=243"},"modified":"2016-09-22T21:34:28","modified_gmt":"2016-09-22T21:34:28","slug":"saving","status":"publish","type":"chapter","link":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/chapter\/saving\/","title":{"raw":"Saving","rendered":"Saving"},"content":{"raw":"<a href=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images-archive-read-only\/wp-content\/uploads\/sites\/1110\/2016\/04\/18233713\/2076114971_b1c3a890ea_b.jpg\" rel=\"attachment wp-att-1053\"><img class=\"wp-image-1053 aligncenter\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images-archive-read-only\/wp-content\/uploads\/sites\/1110\/2016\/04\/18233713\/2076114971_b1c3a890ea_b-858x1024.jpg\" alt=\"Photo of bright red &quot;youngmoney.com&quot; information tent staffed by several students. \" width=\"587\" height=\"700\" \/><\/a>\r\n<blockquote>Do not save what is left after spending, but spend what is left after saving. \u2014Warren Buffet, investor and philanthropist<\/blockquote>\r\n<div class=\"textbox learning-objectives\">\r\n<h3>Learning Objectives<\/h3>\r\nBy the end of this section, you will be able to:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Track your personal spending habits<\/li>\r\n \t<li style=\"font-weight: 400;\">Identify\u00a0strategies for cost cutting in categories where you currently spend the most<\/li>\r\n \t<li style=\"font-weight: 400;\">Explore savings opportunities for college students<\/li>\r\n<\/ul>\r\n<\/div>\r\n<h2>Tracking Personal Spending Habits<\/h2>\r\nLots of students work hard and manage to cover the cost of attending college, but plenty\u00a0find that they don't have a lot left over for other important things, like housing and food. The idea of actually saving money\u2014for things like clothes, entertainment, or other \"extras\"\u2014may seem completely out of reach. In this section we challenge you to take a chance and try. You may be surprised to find\u00a0that you can change your spending habits, gain\u00a0better control over your finances, and wind up with money in the bank. Below are some common hazards you can avoid and tips to get you started:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>New spending responsibilities<\/strong>: If you're starting college right out of high school, this may be the first time you've had your\u00a0own checking account or received\u00a0regular income from\u00a0a job. It may\u00a0be tempting to spend what's left over after you pay for big items\u00a0like tuition and books, forgetting that you still have other expenses. Even if you don't spend a lot of money on extras, you may not be aware of strategies for saving money, such keeping an eye out for coupons and sales.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Using credit cards<\/strong>: Young college students are often targeted by credit card companies because they have comparatively few financial responsibilities and generally have clean credit records. Owning and using a credit card can be an effective way to build a credit history, and it can also be useful in an emergency, but credit cards do carry significant risk: If you don't pay them off in full every month, they accrue interest\u2014sometimes at a very high rate\u2014and the total amount you owe can become an enormous financial burden.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Neglecting to pursue scholarships<\/strong>:\u00a0Many college students are either unaware of scholarships they qualify for or they just don't follow through and apply. Take advantage of the financial aid office at your college. Ask questions and get help finding out what's available to you. You may be passing up an opportunity to get \"free money\" for tuition, room and board, and books.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Recreational activities<\/strong>: Unlike high school students, college students don\u2019t generally have classes all day, so they may find themselves with hours of free time. To fill that time, they may want to go to places like restaurants, movies, and shopping centers. These activities add up fast and cost more money than eating on campus with a room-and-board plan or cooking meals and socializing at home.[footnote]Reaume, Amanda. \"6 Common Money Mistakes College Freshmen Make.\" <em>Money: College Planner<\/em>. 6 Sept 2015. Web. 2 Feb 2016.[\/footnote]<\/li>\r\n<\/ul>\r\nMost of these points have budgeting skills in common. Budgeting involves knowing how much money you have\u00a0and where it\u2019s going. The following activity will help you figure that out.\r\n<div class=\"textbox exercises\">\r\n<h3>Activity: Personal Spending Habits, Part 1<\/h3>\r\n<h4>Objective<\/h4>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Track your personal spending habits<\/li>\r\n<\/ul>\r\n<h4>Directions<\/h4>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Monitor what you spend money on for a week.<\/li>\r\n \t<li style=\"font-weight: 400;\">Use the template, below, to record your findings.<\/li>\r\n<\/ul>\r\n<h4>Weekly Spending Tracker<\/h4>\r\nTotal Income:\r\n<div>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>Day<\/td>\r\n<td>Expenses<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Monday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Tuesday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Wednesday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Thursday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Friday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Saturday<\/td>\r\n<td>\n\nCollege-Related Expenses\u00a0(tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Sunday<\/td>\r\n<td>\n\nCollege-Related Expenses (tuition, books, etc.):\r\n\r\nRent\/Board:\r\n\r\nFood:\r\n\r\nTransportation:\r\n\r\nLeisure:\r\n\r\nMisc.:<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\nAt the end of the week and after reviewing your spending habits, did anything surprise you?\u2014such as, \"Who knew that I was\u00a0spending so much on pizza and parking?\"\r\n\r\n<\/div>\r\n<h2>Saving Strategies<\/h2>\r\nWhether you are starting college as a single eighteen-year-old or you are older, working, and raising a family, there's a set of basic financial strategies that can help you lower your expenses and save money while you're in school. Analyzing your spending habits (as you just did) is the first step. Next, you can try the following:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>Create a detailed budget<\/strong>: Budgets will enable\u00a0you to treat yourself while avoiding overspending. For example, you might allot $50 a month for going out with friends. If you\u2019ve already spent $50, you should find alternative recreational activities for the rest of the month so you don't have to borrow money that you set aside for other expenses.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Cut down on meal costs<\/strong>: Looking for deals and using coupons at grocery stores will save more money than eating out. Students living in dorms may\u00a0not have a lot of space and supplies\u00a0for cooking, but they may\u00a0still have room for a refrigerator and coffeemaker to avoid overspending on snacks and trips to Starbuck's.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Save on transportation<\/strong>: Cut down on the cost of gas (or get rid of your car altogether) by walking to class, riding a bike, or using public transportation. Check to see whether your college offers free or reduced-price student bus\/train passes.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Look for discounts and used items<\/strong>: As long as a textbook isn\u2019t outdated, you\u00a0can often purchase used or discounted copies online or from other\u00a0students. Need to furnish a dorm room or off-campus apartment? You'll save a lot money by borrowing household goods from friends and family or by\u00a0purchasing them from secondhand stores.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Apply for scholarships and minimize loans<\/strong>: To repeat, scholarships don't have to be repaid, and they don't rack up interest. Do your best to apply for everything and anything that you qualify for, scholarships-wise. Winning a scholarship can have a big impact on your budget and financial health.<\/li>\r\n<\/ul>\r\nGiven the money-saving strategies just described, let's return to the personal spending you tracked earlier and see where you might be able to save.\r\n<div class=\"textbox exercises\">\r\n<h3>Activity: Personal Spending Habits, Part 2<\/h3>\r\n<h4>Objectives<\/h4>\r\n<ul>\r\n \t<li>Track your personal spending habits<\/li>\r\n \t<li>Define strategies for cost-cutting in categories where you currently spend the most<\/li>\r\n \t<li>Explore savings opportunities for college students<\/li>\r\n<\/ul>\r\n<h4>Directions<\/h4>\r\n<ul>\r\n \t<li>Carefully analyze the\u00a0personal spending you monitored for a week during Part I of the activity.<\/li>\r\n \t<li>Identify the three spending\u00a0categories\u00a0in which\u00a0you spent the most money.<\/li>\r\n \t<li>In which two of those categories could you cut costs? For example, perhaps you spent the most money on rent, food, and leisure. Rent is typically a fixed amount, but you may\u00a0be able to brainstorm ways to save on food.<\/li>\r\n \t<li>Identify three strategies you will implement this month to save money.<\/li>\r\n \t<li>Follow your instructor\u2019s guidelines for submitting your work.<\/li>\r\n<\/ul>\r\n<\/div>\r\nhttps:\/\/assessments.lumenlearning.com\/assessments\/877","rendered":"<p><a href=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images-archive-read-only\/wp-content\/uploads\/sites\/1110\/2016\/04\/18233713\/2076114971_b1c3a890ea_b.jpg\" rel=\"attachment wp-att-1053\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1053 aligncenter\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images-archive-read-only\/wp-content\/uploads\/sites\/1110\/2016\/04\/18233713\/2076114971_b1c3a890ea_b-858x1024.jpg\" alt=\"Photo of bright red &quot;youngmoney.com&quot; information tent staffed by several students.\" width=\"587\" height=\"700\" \/><\/a><\/p>\n<blockquote><p>Do not save what is left after spending, but spend what is left after saving. \u2014Warren Buffet, investor and philanthropist<\/p><\/blockquote>\n<div class=\"textbox learning-objectives\">\n<h3>Learning Objectives<\/h3>\n<p>By the end of this section, you will be able to:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Track your personal spending habits<\/li>\n<li style=\"font-weight: 400;\">Identify\u00a0strategies for cost cutting in categories where you currently spend the most<\/li>\n<li style=\"font-weight: 400;\">Explore savings opportunities for college students<\/li>\n<\/ul>\n<\/div>\n<h2>Tracking Personal Spending Habits<\/h2>\n<p>Lots of students work hard and manage to cover the cost of attending college, but plenty\u00a0find that they don&#8217;t have a lot left over for other important things, like housing and food. The idea of actually saving money\u2014for things like clothes, entertainment, or other &#8220;extras&#8221;\u2014may seem completely out of reach. In this section we challenge you to take a chance and try. You may be surprised to find\u00a0that you can change your spending habits, gain\u00a0better control over your finances, and wind up with money in the bank. Below are some common hazards you can avoid and tips to get you started:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>New spending responsibilities<\/strong>: If you&#8217;re starting college right out of high school, this may be the first time you&#8217;ve had your\u00a0own checking account or received\u00a0regular income from\u00a0a job. It may\u00a0be tempting to spend what&#8217;s left over after you pay for big items\u00a0like tuition and books, forgetting that you still have other expenses. Even if you don&#8217;t spend a lot of money on extras, you may not be aware of strategies for saving money, such keeping an eye out for coupons and sales.<\/li>\n<li style=\"font-weight: 400;\"><strong>Using credit cards<\/strong>: Young college students are often targeted by credit card companies because they have comparatively few financial responsibilities and generally have clean credit records. Owning and using a credit card can be an effective way to build a credit history, and it can also be useful in an emergency, but credit cards do carry significant risk: If you don&#8217;t pay them off in full every month, they accrue interest\u2014sometimes at a very high rate\u2014and the total amount you owe can become an enormous financial burden.<\/li>\n<li style=\"font-weight: 400;\"><strong>Neglecting to pursue scholarships<\/strong>:\u00a0Many college students are either unaware of scholarships they qualify for or they just don&#8217;t follow through and apply. Take advantage of the financial aid office at your college. Ask questions and get help finding out what&#8217;s available to you. You may be passing up an opportunity to get &#8220;free money&#8221; for tuition, room and board, and books.<\/li>\n<li style=\"font-weight: 400;\"><strong>Recreational activities<\/strong>: Unlike high school students, college students don\u2019t generally have classes all day, so they may find themselves with hours of free time. To fill that time, they may want to go to places like restaurants, movies, and shopping centers. These activities add up fast and cost more money than eating on campus with a room-and-board plan or cooking meals and socializing at home.<a class=\"footnote\" title=\"Reaume, Amanda. &quot;6 Common Money Mistakes College Freshmen Make.&quot; Money: College Planner. 6 Sept 2015. Web. 2 Feb 2016.\" id=\"return-footnote-243-1\" href=\"#footnote-243-1\" aria-label=\"Footnote 1\"><sup class=\"footnote\">[1]<\/sup><\/a><\/li>\n<\/ul>\n<p>Most of these points have budgeting skills in common. Budgeting involves knowing how much money you have\u00a0and where it\u2019s going. The following activity will help you figure that out.<\/p>\n<div class=\"textbox exercises\">\n<h3>Activity: Personal Spending Habits, Part 1<\/h3>\n<h4>Objective<\/h4>\n<ul>\n<li style=\"font-weight: 400;\">Track your personal spending habits<\/li>\n<\/ul>\n<h4>Directions<\/h4>\n<ul>\n<li style=\"font-weight: 400;\">Monitor what you spend money on for a week.<\/li>\n<li style=\"font-weight: 400;\">Use the template, below, to record your findings.<\/li>\n<\/ul>\n<h4>Weekly Spending Tracker<\/h4>\n<p>Total Income:<\/p>\n<div>\n<table>\n<tbody>\n<tr>\n<td>Day<\/td>\n<td>Expenses<\/td>\n<\/tr>\n<tr>\n<td>Monday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Tuesday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Wednesday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Thursday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Friday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Saturday<\/td>\n<td>\n<p>College-Related Expenses\u00a0(tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<tr>\n<td>Sunday<\/td>\n<td>\n<p>College-Related Expenses (tuition, books, etc.):<\/p>\n<p>Rent\/Board:<\/p>\n<p>Food:<\/p>\n<p>Transportation:<\/p>\n<p>Leisure:<\/p>\n<p>Misc.:<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>At the end of the week and after reviewing your spending habits, did anything surprise you?\u2014such as, &#8220;Who knew that I was\u00a0spending so much on pizza and parking?&#8221;<\/p>\n<\/div>\n<h2>Saving Strategies<\/h2>\n<p>Whether you are starting college as a single eighteen-year-old or you are older, working, and raising a family, there&#8217;s a set of basic financial strategies that can help you lower your expenses and save money while you&#8217;re in school. Analyzing your spending habits (as you just did) is the first step. Next, you can try the following:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Create a detailed budget<\/strong>: Budgets will enable\u00a0you to treat yourself while avoiding overspending. For example, you might allot $50 a month for going out with friends. If you\u2019ve already spent $50, you should find alternative recreational activities for the rest of the month so you don&#8217;t have to borrow money that you set aside for other expenses.<\/li>\n<li style=\"font-weight: 400;\"><strong>Cut down on meal costs<\/strong>: Looking for deals and using coupons at grocery stores will save more money than eating out. Students living in dorms may\u00a0not have a lot of space and supplies\u00a0for cooking, but they may\u00a0still have room for a refrigerator and coffeemaker to avoid overspending on snacks and trips to Starbuck&#8217;s.<\/li>\n<li style=\"font-weight: 400;\"><strong>Save on transportation<\/strong>: Cut down on the cost of gas (or get rid of your car altogether) by walking to class, riding a bike, or using public transportation. Check to see whether your college offers free or reduced-price student bus\/train passes.<\/li>\n<li style=\"font-weight: 400;\"><strong>Look for discounts and used items<\/strong>: As long as a textbook isn\u2019t outdated, you\u00a0can often purchase used or discounted copies online or from other\u00a0students. Need to furnish a dorm room or off-campus apartment? You&#8217;ll save a lot money by borrowing household goods from friends and family or by\u00a0purchasing them from secondhand stores.<\/li>\n<li style=\"font-weight: 400;\"><strong>Apply for scholarships and minimize loans<\/strong>: To repeat, scholarships don&#8217;t have to be repaid, and they don&#8217;t rack up interest. Do your best to apply for everything and anything that you qualify for, scholarships-wise. Winning a scholarship can have a big impact on your budget and financial health.<\/li>\n<\/ul>\n<p>Given the money-saving strategies just described, let&#8217;s return to the personal spending you tracked earlier and see where you might be able to save.<\/p>\n<div class=\"textbox exercises\">\n<h3>Activity: Personal Spending Habits, Part 2<\/h3>\n<h4>Objectives<\/h4>\n<ul>\n<li>Track your personal spending habits<\/li>\n<li>Define strategies for cost-cutting in categories where you currently spend the most<\/li>\n<li>Explore savings opportunities for college students<\/li>\n<\/ul>\n<h4>Directions<\/h4>\n<ul>\n<li>Carefully analyze the\u00a0personal spending you monitored for a week during Part I of the activity.<\/li>\n<li>Identify the three spending\u00a0categories\u00a0in which\u00a0you spent the most money.<\/li>\n<li>In which two of those categories could you cut costs? For example, perhaps you spent the most money on rent, food, and leisure. Rent is typically a fixed amount, but you may\u00a0be able to brainstorm ways to save on food.<\/li>\n<li>Identify three strategies you will implement this month to save money.<\/li>\n<li>Follow your instructor\u2019s guidelines for submitting your work.<\/li>\n<\/ul>\n<\/div>\n<p>\t<iframe id=\"lumen_assessment_877\" class=\"resizable\" src=\"https:\/\/assessments.lumenlearning.com\/assessments\/load?assessment_id=877&#38;embed=1&#38;external_user_id=&#38;external_context_id=&#38;iframe_resize_id=lumen_assessment_877\" frameborder=\"0\" style=\"border:none;width:100%;height:100%;min-height:400px;\"><br \/>\n\t<\/iframe><\/p>\n\n\t\t\t <section class=\"citations-section\" role=\"contentinfo\">\n\t\t\t <h3>Candela Citations<\/h3>\n\t\t\t\t\t <div>\n\t\t\t\t\t\t <div id=\"citation-list-243\">\n\t\t\t\t\t\t\t <div class=\"licensing\"><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Original<\/div><ul class=\"citation-list\"><li>Saving. <strong>Authored by<\/strong>: Jolene Carr. <strong>Provided by<\/strong>: Lumen Learning. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY: Attribution<\/a><\/em><\/li><\/ul><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Shared previously<\/div><ul class=\"citation-list\"><li>Image of young money tent. <strong>Authored by<\/strong>: Young Money. <strong>Located at<\/strong>: <a target=\"_blank\" href=\"https:\/\/flic.kr\/p\/4asCDH\">https:\/\/flic.kr\/p\/4asCDH<\/a>. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by-sa\/4.0\/\">CC BY-SA: Attribution-ShareAlike<\/a><\/em><\/li><\/ul><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t <\/div>\n\t\t\t <\/section><hr class=\"before-footnotes clear\" \/><div class=\"footnotes\"><ol><li id=\"footnote-243-1\">Reaume, Amanda. \"6 Common Money Mistakes College Freshmen Make.\" <em>Money: College Planner<\/em>. 6 Sept 2015. Web. 2 Feb 2016. <a href=\"#return-footnote-243-1\" class=\"return-footnote\" aria-label=\"Return to footnote 1\">&crarr;<\/a><\/li><\/ol><\/div>","protected":false},"author":277,"menu_order":4,"template":"","meta":{"_candela_citation":"[{\"type\":\"original\",\"description\":\"Saving\",\"author\":\"Jolene Carr\",\"organization\":\"Lumen Learning\",\"url\":\"\",\"project\":\"\",\"license\":\"cc-by\",\"license_terms\":\"\"},{\"type\":\"cc\",\"description\":\"Image of young money tent\",\"author\":\"Young Money\",\"organization\":\"\",\"url\":\"https:\/\/flic.kr\/p\/4asCDH\",\"project\":\"\",\"license\":\"cc-by-sa\",\"license_terms\":\"\"}]","CANDELA_OUTCOMES_GUID":"","pb_show_title":"on","pb_short_title":"","pb_subtitle":"","pb_authors":[],"pb_section_license":""},"chapter-type":[],"contributor":[],"license":[],"class_list":["post-243","chapter","type-chapter","status-publish","hentry"],"part":135,"_links":{"self":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters"}],"about":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/types\/chapter"}],"author":[{"embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/users\/277"}],"version-history":[{"count":12,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/243\/revisions"}],"predecessor-version":[{"id":1304,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/243\/revisions\/1304"}],"part":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/parts\/135"}],"metadata":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/243\/metadata\/"}],"wp:attachment":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/media?parent=243"}],"wp:term":[{"taxonomy":"chapter-type","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapter-type?post=243"},{"taxonomy":"contributor","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/contributor?post=243"},{"taxonomy":"license","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/license?post=243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}