One meaningful way to spend your money is to share it with other. A powerful business concept is microfinance. Microfinance gives money to small businesses and people without access to traditional banking and financial services. In most cases, engaging with microfinance involves providing a small loan to further someone else’s business.

Want to try? Let's do it!

Kiva is a powerful microfinance tool, and is in fact the world's first online microfinance platform. On Kiva, you can donate as little as 25 dollars to somebody, and completely transform their business - and you get your money back! Exploring loans on Kiva is a great way to practice spending your money responsibly, and to evaluate the risks and rewards of each loan.

Starting a microfinance club at your high-school or college is a great way to get others involved as well.