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Paychecks and Budgeting Review

Total questions: 28

Worksheet time: 20mins

Name
Class
Date
1.

Fixed or variable expense: Groceries

a)

Fixed

b)

Variable

2.

Fixed or variable expense: Rent?

a)

Fixed

b)

Variable

3.

Which of the following is not considered income?

a)

A paycheck

b)

A gift of money

c)

An allowance

d)

Interest paid on a loan

4.

Daycare can be very expensive! My friend pays $972 every month for her daughter.

This is considered a

a)

Fixed Expense

b)

Variable Expense

c)

Discretionary Expense

d)

Income

5.

If an expense can be removed from your budget to save money, it is considered a ______.

a)

Income

b)

Want

c)

Need

d)

Savings

6.

If an expense can NOT be removed from your budget to save money, it is considered a _____.

a)

Income

b)

Want

c)

Need

d)

Savings

7.
To have a __________ at the end of the month, I have to make sure I don't spend more than I earn and have some money to save at the end of the month.
a)
Income
b)
Expense
c)
Balanced Budget
d)
Savings
8.

A _________ is safer place to keep your money than at home under your mattress.

a)

grocery store

b)

Want

c)

Inflation

d)

Bank

9.

Which of the following is an example of a need for most people?

a)

A place to live

b)

A nice car

c)

Designer jeans

10.

Which of the following is an example of a want for most people?

a)

A warm jacket

b)

Transportation

c)

Ice cream

11.
What is a good reason to save money?
a)
To have money to buy things
b)
To have money put aside for emergencies
c)
For a future purchase
d)
All choices
12.
Things an individual does not need in order to survive but enjoys having.
a)
Wants
b)
Needs
c)
Surplus
d)
Deficit
13.
Things an individual cannot do without.
a)
Wants
b)
Needs
c)
Fixed Expenses
d)
Variable Expenses
14.
What two things does a budget compare?
a)
Income and Expenses
b)
Savings and Interest
c)
Income and Investments
d)
Expenses and Expenditures
15.
A _____ is something that is necessary for humans to live a healthy life an example could be food, water, medical, housing, clothing
a)
Need 
b)
Want
16.
A ______ is something that is desired e.g. computer, holiday, car, cell phone
a)
Need 
b)
Want
17.
Budgeting is crucial to your financial success.
a)
True
b)
False
18.

A good money manager creates a _____________ to help keep track of expenses

a)

budget

b)

gross

c)

values

19.

Your _____________ is the amount of money that you make each pay period.

a)

income

b)

expense

c)

inflation

20.

Your ____________ is the amount of money that you spend each pay period.

a)

expenses

b)

income

c)

inflation

21.
Net income is:
a)
the total amount of money you earn
b)
the amount of money you receive after deductions are subtracted from your gross income
c)
the amount of money that is taken away in the form of taxes
d)
the hourly rate of pay
22.

A _________ is a plan of how a person will spend his or her income.

a)

salary

b)

total

c)

expense

d)

budget

23.

total income before payroll tax and deductions are taken out

a)

gross income

b)

deposit

c)

automatic payment

d)

net income

24.

income left after taxes, what you earn after taxes and deductions are taken out

a)

net income

b)

check

c)

tax

d)

withdrawal

25.

Annually stands for...

a)

Everyday

b)

Every week

c)

Every month

d)

Every year

26.

Salary is payment

a)

for an hour of work

b)

for a day of work

c)

for a year of work

d)

for a month of work

27.

Which is an example of a wage?

a)

$130,000 per year

b)

$12 per hour

c)

$150 per week

d)

$87.57

28.

Piecework is payment per

a)

piece

b)

hour

c)

day

d)

year