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Worksheets

Managing Money

Total questions: 23

Worksheet time: 1hrs 9mins

Name
Class
Date
1.

What is a need?

a)

Something you must have

b)

Something you'd like to have

c)

Something you would like to do

d)

All of the above

2.

Deductions are:

a)

Items that are taken out of your paycheck

b)

The stub ends of your paycheck

c)

Those times you work for no pay

d)

Any overtime pay you receive

3.

Net pay is:

a)

The taxes that the employer keeps

b)

The amount you take home

c)

The extra money you receive for overtime

d)

Hourly pay rate times hours worked

4.

Paul works in a florist shop. He works 35 hours per week and makes $8.00 per hour. He is paid every two weeks. His deductions total $89 per pay period. What is his net pay per pay period?

a)

$280.00

b)

$191.00

c)

$471.00

d)

$560.00

5.

Gross pay is:

a)

An amount of money too large to carry

b)

Your paycheck amount before deductions

c)

A really ugly-looking paycheck

d)

Your paycheck amount after deductions

6.

Now let's figure Jose's gross pay. Jose earns $23,010 per year and is paid every two weeks. How much is Jose's gross pay per pay period?

a)

$442.50

b)

$500

c)

$885

d)

$958

7.

Why is it important to develop a monthly budget?

a)

It will help make sure you can pay your bills.

b)

It will help you prioritize spending.

c)

It will help you use your money wisely.

d)

All of the above.

8.

Which of the following is least important when determining your budget?

a)

overtime pay

b)

net pay

c)

anticipated expenses

d)

deductions

9.

Which of the following are important items to include in your anticipated monthly expenses?

a)

rent

b)

utilities

c)

groceries

d)

all of the above

10.

Your net pay is $312.50 every two weeks. If you want to save 10 % of your take home pay, how much should you save from your paycheck?

a)

$11.17

b)

$31.25

c)

$37.27

d)

$25.00

11.
1. What is the term for a plan for saving and spending money based on your income and expenses?
a)
Cash Flow
b)
Business Plan
c)
Budget
d)
Taxes
12.
2. Expenses that change each month are called...
a)
Fixed
b)
Flexible
c)
Income
d)
Actual Expenses
13.
4. The first step in making a budget is to...
a)
Keep records of your spending 
b)
Decide on your goals
c)
Increase your income
d)
Decrease your expenses
14.
5. An example of a fixed expense is...
a)
Concert Tickets
b)
Rent and Car Payments
c)
Clothing and Magazines
d)
Medical Costs
15.
6. An example of flexible expense is...
a)
Car Payments
b)
Rent
c)
Clothing
d)
Insurance
16.
8. Your income should be...
a)
Less than you spend
b)
Two times more than your spend
c)
At least as much as you spend
d)
Half as much as you spend
17.

Amount of your paycheck before any money is taken out

a)

gross pay

b)

net pay

18.

Items taken out of gross pay, such as federal taxes

a)

Net pay

b)

Deduction

19.

The money you make during a pay period

a)

Paycheck

b)

Bank

20.

An unexpected expense not planned for

a)

Emergency

b)

Loan

21.
Budgeting is crucial to your financial success.
a)
True
b)
False
22.

When making a budget, a person’s needs should come before their wants.

a)

True

b)

False

23.

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