From: Interfraternity Congress/Panhellenic Council
Date: March 31, 2021
Subject: Wellness Wednesday Newsletter: Financial Wellness

Financial Literacy

Financial literacy is the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Developing financial literacy to improve your personal finances involves learning and practicing a variety of skills related to budgeting, managing and paying off debts, and understanding credit and investment products.
Some potential strategies include:

  • Creating a budget
  • Build savings
  • Manage bill paying
  • Get your credit score
  • Manage debt
  • Invest in your future
Becoming financial literate involves learning and practicing a variety of skills related to budgeting, managing and paying off debts, and understanding credit and investment products. Basic steps to improve your personal finances include creating a budget, keeping track of expenses, being diligent about timely payments, being prudent about saving money, periodically checking your credit report, and investing for your future. Click here to continue reading the article by Jason Fernando.


Healthy Energy Live Positively (HELP) week is an event dedicated to kicking off wellness in the Case Greek community IN STYLE. This is a week composed of wellness-related challenges and events that you can attend and participate in to learn more about Wellness and also practice Wellness for yourself! In addition to this, all IFC/PHC umbrella business meetings will be suspended and we will be pushing for chapters to suspend business meetings during this week too! You will be able to earn Greek Games Points by Participating in Wellness Week events and challenges! The following are the events and challenges for Wellness Week:

  1. Sunday, 4/4/21: What did you do instead of Chapter today? (submit a pic and/or a blurb)
  2. Monday, 4/5/21: Let’s Talk about Sexual Wellness, Baby (Hosted by SMARRT). The chapter will receive Greek Games Points for attendance and further for every 25% of the Chapter present
  3. Tuesday, 4/6/21: Relaaaaax (submit a relaxation pic and/or a blurb)
  4. Wednesday, 4/7/21: Come and talk to Greek housing directors and learn about mental wellness and resources available
  5. Thursday, 4/8/21: Physical Wellness Day!!! Feat. a free Zoom Yoga session through One-to-One fitness!
  6. Friday, 4/9/21: What’s Cookin’? Cook something for yourself and submit a picture, winners will get Greek Games points for their chapter
  7. Saturday, 4/10/21: Take a Walk! Take a walk anywhere anytime throughout the week and submit a pic under these 3 categories:
    1. Just Natural: Nature pics
    2. In the city: Urban pics
    3. Goofy Goobers: Goofy pics


When budgeting it is always a good idea to follow the 50/30/20 rule. 

  • Allow up to 50% of your income for needs.

  • Leave 30% of your income for wants.

  • Commit 20% of your income to savings and debt repayment.
It is important to keep your budget in a clean and concise place. Here is a Monthly Personal Budget Template you can use to help you set your budget and stick to it.

Steps to Financial Wellness

April is financial literacy month. Here are some steps to begin to improve your financial wellness. Click here to see the full article and more steps to Financial Wellness.

  1. Commit to change
  2. Assess your finances
  3. Get copies of your credit report
  4. Review your debt situation
  5. Set your priorities
  6. Pay down your debt
  7. Safe for your goals
  8. Identify and document fixed monthly expenses
  9. Reduce Spending
  10. Keep moving forward

Debt 101

"Debt is an amount of money borrowed by one party from another. Debt is used by many corporations and individuals as a method of making large purchases that they could not afford under normal circumstances. A debt arrangement gives the borrowing party permission to borrow money under the condition that it is to be paid back at a later date, usually with interest. 

The most common forms of debt are loans, including mortgages and auto loans, personal loans, and credit card debt. Under the terms of a loan, the borrower is required to repay the balance of the loan by a certain date, typically several years in the future. The terms of the loan also stipulate the amount of interest that the borrower is required to pay annually, expressed as a percentage of the loan amount. Interest is used as a way to ensure that the lender is compensated for taking on the risk of the loan while also encouraging the borrower to repay the loan quickly in order to limit his total interest expense."

Article by James Chen. Click here to read the full article and learn more about debt.

Foundations in Personal Finances

Dave Ramsy is a personal financial advisor, best-selling author, businessman, and radio show host. Dave Ramsy wrote Foundations in Personal Finance, a comprehensive financial literacy workbook to help improve individual wellness. This book can be a useful tool for improving your personal finance. This book can be found on Amazon.

Finance Apps

Having an extensive budget and financial portfolios may not be for everyone, Here are some Apps you can use to help manage your finances.

  • Mint: Personal Finance and Money - Mint allows you to monitor your cash flow, budget your money, tracks fraud, give free credit scores, and more. This app is free to download 
  • Venmo and Cashapp - These apps make it easy to transfer money between your friends and family to make sure 
  • Bills Organizer & Reminder - This App helps you keep track of your bills and avoid late fees.
  • NerdWallet: Finance Tracker - NewdWallet helps you track your cash flow, monitor your credit score, maximize cash back.

Stocks 101

Investing in stocks is an excellent way to grow wealth. For long-term investors, stocks are a good investment even during periods of the market volatility — a stock market downturn simply means that many stocks are on sale. There is a lot of risk with investing in stocks, as the volatility creates an unsure enviorment.

One way for beginners to get started investing in the stock market is to put money in an online investment account, which can then be used to buy shares of stock, mutual funds, or cryptocurrency. With many brokerage accounts, you can start investing for the price of a single share. Here are some basic steps to invest in stocks. Click here to learn more about how to invest in stocks.

  1. Decide how you want to invest
  2. Chose an investing account
  3. Learn the difference between investing in stocks and funds
  4. Set a budget for investment
  5. Focus on the long-term
  6. Manage your portfolio
There are many different ways to invest in the stock market. Click here for more information about these types of stocks and investments in general.
  • Individual stocks
  • Index funds
  • Robo-advisors
  • ETFs
  • Index Funds
  • Mutual Funds
  • Bonds

Side Hustles

A side hustle is any type of employment undertaken in addition to one’s full-time job or education. A side hustle is generally freelance or piecework in nature, providing a supplemental income. Side hustles are often things a person is passionate about, rather a day a typical day job worked to make ends meet. Side hustles became increasingly popular in 2020 as a way to make some extra cash during the pandemic. The money doesn't have to stop once isolation stops. Here are some side hustles you can run.

  • Sell items on Ebay or Craigslist
  • Drive for Uber or Lyft
  • Drive for Grubhub, Door Dast or Instcart.
  • Tutor over Skype
  • Clean houses
  • Babysit or Walk dogs
  • Sell your crafts or passion projects to Etsy
  • Give lessons in music or coding
  • Many more
For more side hustles, check out this article by R. L. Adams.
Want less stress? More happiness? Learn how to manage your finances! How do you make a budget? What's an index fund? Why is compound interest so powerful? What is the time value of money? Why should you start saving now? What should credit be used for? (Hint – not pizza!) 
Money and finances. It seems so complicated. But it's really not. Discover the answers to these questions and more. Learn the basics of Financial Literacy and how to manage your money…whatever there is of it!

  • Banking
  • Budgeting
  • Compound Interest
  • Financial Literacy
  • Investments
  • Money Management

I'm $1,000,000 In Student Loan Debt!!

Get a FREE trial of our life-changing Financial Peace University today:‚Äč Visit the Dave Ramsey store today for resources to help you take control of your money!


Thursday, April 1
Start End   Event         Location
3:00pm 4:00pm BIPOC Support Space Video Conferencing Link
3:00pm 4:00pm Content Marketing | Veale Skills Lab
Tuesday, April 6
12:00pm 1:00pm BIPOC Support Space Video Conferencing Link
12:00pm 1:30pm Talking to Youth about Sexuality: A Caring Adult Workshop Private Location (rsvp to display)
1:00pm 2:15pm Koru Mindfulness Private Location (rsvp to display)
Wednesday, April 7
1:00pm 1:45pm The Entrepreneur's Journey: A Conversation with Ham Lord, Joe Mandato, & Christopher Mirabile -
2:00pm 3:00pm Anxiety Toolbox Video Conferencing Link
4:00pm 5:30pm Problem Solving Idea Exchange Video Conferencing Link
Wednesday, April 14
12:00pm 12:45pm Building a Water Brand from Consumer Insights: Rachel Chambers, Senior Vice President Marketing at VOSS Artesian Water
Thursday, April 15
1:00pm 2:00pm Getting Unstuck Video Conferencing Link
Thursday, April 22
3:00pm 4:00pm Financial Forecasting | Veale Skills Lab
6:00pm 7:30pm CoHealing (formerly called Healing Network Nights) Private Location (rsvp to display)
Wednesday, April 28
12:00pm 12:45pm Bringing Entrepreneurship into the Frame: Susan Tynan, CEO & Founder, Framebridge
4:00pm 4:45pm Leading a Global Biopharmaceutical Company: Paige Cramer Lacatena, Global Director of Scientific Affairs, Merck
Thursday, April 29
3:00pm 4:00pm Pricing, Balance Sheets, and Cash Flow | Veale Skills Lab
Wednesday, May 5
12:00pm 12:45pm Improving Engineering Infrastructure in Ethiopia: Mark Gelfand, Founder, STEMPower Ethiopia & TodayTomorrow Ventures
4:00pm 4:45pm From Bioengineer to Growth-Stage Investor: Amit Mulgaonkar, former Senior Principal, Mithril Capital Management

Prosocial Bystander Training

The Center for Women provides training on how to be a prosocial bystander. How to be a Prosocial Bystander is an evidence-informed bystander intervention program that uses community care as the foundation of intervention. This training teaches how to identify potential violent incidents, individual responsibility to intervene, and how to do so safely and effectively in order to maintain a safe environment for all people. To request one of these workshops, you can fill out this form.


Need Help?

Feeling like you need help to improve your physical or mental wellness? Click here to find out more about Case Westerns Counseling services. Click here to find out more about Case General Clinic. Click here for more information on sexual health. In immediate crisis? Call (216)368-5872 or 911 for help now.

Its on us CWRU Campaign

The Greek Life Office is encouraging the Greek community to participate in the It’s On CWRU campaign. The Flora Stone Mather Center for Women provides violence prevention education programs to the CWRU community through this campaign. It’s On CWRU’s mission is to disrupt the culture of violence through evidence-informed education, mutual aid, and survivor
support. We achieve our mission by shifting dominant community attitudes about sexual violence and establishing personal responsibility to support a culture of healing. The Center for Women prevention education work is focused on three key areas: bystander intervention, consent education, and survivor support.
Participants in education programs will be able to:

  • define key terms and identify the root causes of power- and gender-based violence;

  • debunk myths and de-stigmatize facts about sexual violence; 

  • identify resources for continued education and services that may assist survivors;

  • understand the role that all members of our community play in ending violence; and

  • implement strategies to intervene as a prosocial bystander.

To find out more about the It’s On CWRU initiative and how you can get involved, you can attend the next information session on Monday, April 12, 2021 from 4 to 4:30 p.m. You can sign up for this session at this link:

Prevention Advocacy

The Prevention Advocacy Compliance Clery Team is committed to providing ongoing updates, resources, and support to all CWRU community members impacted by sexual violence. The Center for Women has created a guidebook that acts as a non-exhaustive overview of survivor support resources, violence prevention education, and CWRU sexual harassment policy guidelines. It continues to be updated and expanded as we respond to the needs of our community. While this provides basic information regarding sexual violence prevention and response, readers are encouraged to seek out more in-depth explanations from the information sources provided throughout the guidebook. You can access the guidebook here:

How to Get Involved:There are many options for the Greek community to get involved in violence prevention and creating a safer Greek community:

  1. Community members can pre-order a It's On CWRU Toolkit for your student organization, residence hall, office, community space, or classroom. To get more information on how to request a toolkit, you can email the Center for Women at
  2. The Center for Women is providing Prosocial Bystander campus-wide training. Dates for deliveries fall on the third Tuesday of each month, 6 to 7:30 p.m. You can sign up for the March 16 training at this link: or the training on April 20 at this link:
  3. Coming up in April there will be Sexual Assault Awareness Month events, so please stay tuned for event announcements!
  4. You can host a Mather Center workshop for your residence hall, student organization, campus department, or community group. To request one of these workshops, you can fill out this form:
  5. You can sign up for the Mather Center’s Newsletters. Email newsletters are sent once a week and highlight upcoming events and programs. You can sign up for these newsletters at this link: https://us13.list-
  6. Follow the Mather Center for Women on Facebook @FloraStoneMather.CenterForWomen and on Instagram @florastonemathercenter.
  7. For more information about the Center for Women or about programming, you can visit their website at


Upstander: Projection Connection--How to Implement Restorative Practices into Everyday Relationships

Thursday, April 1, 2021
5:00pm - 6:00pm
Private Location (register to display)
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What do we do when our friend harmed someone?
We all want to hold those that harm others accountable, but what does that actually mean? The road to healing, accountability, and growth is a rough one, and in this dialogue we will talk about what our goals are in holding others accountable for their actions, and discuss if it is possible to maintain relationships with those people. Jamie Greenwolf will lead a dialogue answering some of those questions revolving on the concepts of restorative justice and shame on April 1st at 5pm.

Meeting ID: 928 1437 3425
Passcode: 469445



Upstander: Project Connection--Consent is Sexy

Friday, April 30, 2021
1:00pm - 2:00pm
Private Location (register to display)
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Many of us have been taught the definition of consent, but what does that actually look like? What do we actually say? In this dialogue we will talk about ways people ask for and receive consent in real terms. Also, since consent is a question, we may sometimes get a no. How do we respond to that in a way that strengthens relationships? Please join us in welcoming back Jamie Greenwolf and Sarah Ferrato as our wonderful facilitators for this dialogue.

Meeting ID: 982 2242 3297
Passcode: 416756