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Budgeting

Total questions: 35

Worksheet time: 22mins

Name
Class
Date
1.

You go to Starbucks and buy two double mochas for you and a friend. The bill comes to $7.53. How much change do you get back from a $10 bill?

a)

$2.49

b)

247 cents

c)

$3.43

d)

$ 2.47

2.
Things necessary to live
a)
wants
b)
goals
c)
needs
d)
money
3.
Is a spending plan for managing money during a given period of time
a)
debt
b)
expense
c)
budget
d)
fixed expense
4.
Occurs when you spend more money than you actually have
a)
withdrawal
b)
income
c)
overdraft
d)
goal
5.
when you put money in the bank you are making a 
a)
withdrawal
b)
debt
c)
deposit
d)
income
6.
The amount of money you have available in your account to spend
a)
deposit
b)
debt
c)
balance
d)
withdrawal
7.
Money that is earned through a job.
a)
Interest
b)
Income
c)
Expense
8.
Which of the following is NOT a need?
a)
Food
b)
Clothes
c)
Netflix
d)
Shelther
9.
Why budget?
a)
prevent debt
b)
plan for future
c)
save money
d)
all of these
10.
Utilities
a)
unexpected expense
b)
Regular income
c)
variable expense
d)
Variable income
11.
Your emergency savings fund should have how many months worth of income?
a)
1-2 months
b)
10 months
c)
It doesn't matter
d)
3-6 months
12.

If you get a loan , what do you have to pay ?

a)

Interest

b)

Money

c)

Tax

d)

Bills

13.
A vacation is an example of a _________
a)
need
b)
want
14.
Examples of Fixed Expenses include:
a)
Mortgage, loans, rent
b)
Cable, entertainment, food
c)
Gas, food, phone
d)
Clothing, gas, food
15.

What is the most important bill you have to take care of ?

a)

House

b)

Entertainment

c)

Car

d)

None Of The Above

16.

What is an emergency fund?

a)

A savings account set aside for unexpected situations.

b)

A way to invest for retirement.

c)

Something most people don't need, because emergencies are rare.

d)

An investment account that can grow over time.

17.
The amount of money you make per year
a)
Monthly income
b)
Annual income
c)
Monetary
18.
A card that borrows money but it has to be paid back
a)
Debit Card 
b)
Credit Card 
c)
Baseball Card 
d)
Pokemon Card 
19.
A card that uses money directly from your bank account
a)
Debit Card 
b)
Credit Card 
c)
Pokemon Card 
d)
Baseball Card 
20.
money that you make from your job
a)
interest
b)
occupation
c)
wage
d)
income
21.
What is the difference between needs and wants?
a)
needs=other things
wants=survival
b)
needs=survival 
wants=other things
22.
What is an expense?
a)
resources not necessary to survive
b)
resources necessary to survive
c)
money used on needs and wants
23.
What happens if you do not pay a credit card bill on time?
a)
Use your debit card
b)
You go into debt
c)
Declare bankrupty
d)
Pay interest
24.
The amount of income you have before taxes and other deductions are taken out.
a)
Paycheck
b)
Net Pay
c)
Gross Pay
d)
Minimum Wage
25.

The amount of income left after taxes and other deductions are taken out.

a)

Gross Pay

b)

Surplus

c)

Deficit

d)

Net Pay

26.

What does it mean to "bounce" a check?

a)

If you drop a check on the ground it pops back up to you.

b)

It's when you hand a check to a friend and they don't accept it

c)

When a check gets returned because of no funds

d)

When you roll the check up into a ball and throw it against the wall and comes back to you.

27.

According to a rule of thumb, rent shouldn't take up more than ___ % of your take-home pay.

a)

7-12%

b)

10-15%

c)

15-20%

d)

25-30%

28.

A 18oz box of cereal costs $4.99. How would you calculate the unit price?

a)

18oz / $4.99

b)

9 oz / $2.50

c)

$4.99 / 18oz

d)

(18oz) x ($4.99)

29.

How does the 50/30/20 rule of thumb for budgeting allocate your income?

a)

50% Needs, 30% Wants, 20% Savings & Debt Repayment

b)

50% Wants, 30% Needs, 20% Savings & Debt Repayment

c)

50% Savings & Debt Repayment, 30% Wants, 20% Needs

d)

50% Needs, 30% Savings & Debt Repayment, 20% Wants

30.

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

31.

A deduction is

a)

gross income

b)

money added to your income

c)

net income

d)

money taken out of your income

32.
The amount of money you actually receive after the deductions are taken from your gross income.
a)
Net income
b)
Deductions
c)
Wages
d)
Tax
33.
Total money you earn before taxes and other deductions.
a)
Salary
b)
Net income
c)
Gross income
d)
Wages
34.
Car Payment
a)
Fixed Expense
b)
Variable Expense
35.
Movie Tickets
a)
Fixed Expense
b)
Variable Expense