Generating various reference voltages in a circuit
One smarter solution over the use of resistor dividers is to apply a shunt regulator. A part such as a TLV431 can be biased from a higher voltage supply to produce an accurate reference voltage using a couple of resistors. An additional resistor is used to limit the overall current through the shunt regulator. 

If you are familiar with the operation of zener diodes you can think of the shunt regulator as being an nice accurate zener. And then two resistors allow you to set its voltage. 

For multiple references in one project you could use multiple shunt regulators or apply voltage dividers across one shunt regulator. Today's shunt references are in small packages and something like the TLV431 is rather low cost so using multiple units on one board is usually not a big deal.