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Financial Literacy

Total questions: 29

Worksheet time: 32mins

Name
Class
Date
1.
You want to use money from your checking account to make a purchase. Which method should you use?
a)
debit card
b)
credit card
c)
prepaid card
d)
direct deposit
2.
What is it called when your income equals your expenses?
a)
Financial Record
b)
Monthly Budget
c)
Balanced Budget
3.
A card that may be used in place of a check to allow a payment to be made by your bank using money in your bank account.
a)
check
b)
ATM
c)
credit card
d)
debit card
4.
Something that you pay is called....
a)
income
b)
an expense
c)
a profit
d)
savings
5.
Money you receive after taxes is called:
a)
gross income
b)
net income
c)
salary
d)
pay day
6.
Money you receive before taxes is called:
a)
gross income
b)
net income
c)
pay day
d)
bank loan
7.
When you own a house, what type of tax do you pay on it?
a)
income tax
b)
sales tax
c)
property tax
d)
payroll tax
8.
The amount of money in your account is called...
a)
your deposit 
b)
your balance
c)
your credit score
d)
gross income
9.
Which tax is based on the amount of money you earn?
a)
Sales Tax
b)
Property Tax
c)
Income Tax
10.
Which method of payment may you have to pay interest?
a)
Cash
b)
Check
c)
Debit Card
d)
Credit Card
11.
Which tax is your social security and medicare?
a)
Income tax
b)
Payroll tax
c)
Property tax
d)
Sales tax
12.
What kind of tax would be applied for goods and services?
a)
Property Tax
b)
Sales Tax
c)
Income Tax
d)
Payroll Tax
13.
Amanda has to pay taxes on her annual salary and investments. Which type of tax is Kimberly paying? 
a)
Sales Tax
b)
Property Tax
c)
Payroll Tac
d)
Income Tax
14.

Which of the following is an advantage of using a credit card?

a)

Interest is charged for the use of a credit card.

b)

Consumers can purchase things now, and pay for them later in the event of an emergency.

c)

You could be a victim of identity theft.

15.
Alyssa has her first job at the local bakery. After working for one week, she received her first paycheck. The total amount of money she is able to put in the bank is $75.62. What type of income does this amount describe?
a)
Gross Income
b)
Net Income
c)
Both Gross and Net Income
d)
None of the above
16.
Jonathan's new clothes cost a total of $572.50 before tax. What type of tax does Jonathan have to pay for his new clothes?
a)
Income Tax
b)
Property Tax
c)
Payroll Tax
d)
Sales Tax
17.
Jenny just received her first paycheck. She noticed that after they deducted $30 for payroll taxes and $60 for medical insurance. Her net pay was $320. How much did Jenny make before the deductions were removed from her gross pay?
a)
$230
b)
$410
c)
$320
d)
$140
18.
Which of the following is considered an advantage to using a debit card to make purchases?
a)
Debit cards are convenient and easy to carry around.
b)
Purchases can be made quickly and easily.
c)
You can use many ATMs to get cash.
d)
All of the above.
19.

What is Net Income?

a)

The money left in your paycheck after taxes.

b)

Money paid to the government based on income.

c)

Total tax withheld from a paycheck.

d)

Tax paid to the city or state government for items such as cars, houses, or land.

20.

What is Income Tax?

a)

The money left in your paycheck after taxes.

b)

Total tax withheld from a paycheck.

c)

Tax paid to the city or state government for items such as cars, houses, or land.

d)

Money paid to the government based on income.

21.

What is payroll tax?

a)

The money left in your paycheck after taxes.

b)

Total tax withheld from a paycheck.

c)

Tax paid to the city or state government for items such as cars, houses, or land.

d)

Money paid to the government based on income.

22.

What is property tax?

a)

Money paid to the government based on income.

b)

The money left in your paycheck after taxes.

c)

Tax paid to the city or state government for items such as cars, houses, or land.

d)

Total tax withheld from a paycheck.

23.

What is debt?

a)

Total money earned.

b)

Total money earned before taxes are paid.

c)

Withdraws money from the bank account immediately.

d)

Money that is owed.

24.

What does a debit card do ?

a)

Total money earned before taxes are paid.

b)

Withdraws money from the bank account immediately.

c)

Money is owed.

d)

Total money earned.

25.

What is gross income?

a)

Withdraws money from the bank immediately.

b)

Money that is owed.

c)

Total money earned.

d)

Total money earned before taxes are paid.

26.

What is income?

a)

Money that is owed.

b)

Total money earned.

c)

Total money earned before taxes are paid.

d)

Withdraws money from the bank immediately.

27.

What is a balanced budget?

a)

Income is equal to the expenses and savings. They both equal to zero.

b)

The plan for spending and saving money.

c)

A paper asking the bank to pay the specific amount.

d)

The money is borrowed now and it's paid back later.

28.

What is a budget?

a)

Income is equal to the expenses and savings. They both equal to zero.

b)

The plan for spending an saving money.

c)

A paper asking the bank to pay the specific amount.

d)

The money is borrowed now and it's paid back later.

29.

What is sales tax?

a)

It's less than.

b)

It's greater than.

c)

It's equal to.

d)

Money added to the cost of items bought.