I) Make a pie chart to show the distribution of the money. ii) What fraction of the money is spent on savings?

• Food: $10\%$ of $360^\circ = 0.10 \times 360^\circ = 36^\circ$
• Shelter: $25\%$ of $360^\circ = 0.25 \times 360^\circ = 90^\circ$
• Clothing: $20\%$ of $360^\circ = 0.20 \times 360^\circ = 72^\circ$
• Advancement: $15\%$ of $360^\circ = 0.15 \times 360^\circ = 54^\circ$
• Operating expenses: $18\%$ of $360^\circ = 0.18 \times 360^\circ = 64.8^\circ$
• Savings: $12\%$ of $360^\circ = 0.12 \times 360^\circ = 43.2^\circ$

The pie chart would be drawn with sectors corresponding to these angles:
Food: $36^\circ$
Shelter: $90^\circ$
Clothing: $72^\circ$
Advancement: $54^\circ$
Operating expenses: $64.8^\circ$
Savings: $43.2^\circ$

From the table, savings account for $12\%$ of the income.

The fraction of the money spent on savings is $\boxed{\frac{3}{25}}$.