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Financial Literacy

Total questions: 21

Worksheet time: 16mins

Name
Class
Date
1.

What is Borrowed Money called? *

a)

Interest

b)

Loans

c)

Savings

d)

Investment

2.

Putting Money Away for Later *

a)

Savings

b)

Net Pay

c)

Loan

d)

Interest

3.

What are the Deductions from your earnings called? *

a)

Gross Pay and Interest

b)

Savings

c)

Taxes, FICA, & Social Security

d)

Net Pay

4.

What you bring home after all your Deductions? *

a)

Gross Pay

b)

Savings

c)

Annual Pay

d)

Net Pay

5.

What you make before deductions?

a)

Gross Pay

b)

Savings

c)

Earned Income

d)

Net Pay

6.

When you keep track of your money.

a)

Spending

b)

Savings

c)

Earnings

d)

Budgeting

7.

Interest Paid Yearly

a)

Annual Percentage Rate (APR)

b)

Taxes

c)

Earnings

d)

Gross Pay

8.

Something you pay when you have debt *

a)

FICA

b)

Taxes

c)

Interest

d)

Social Security

9.

What is in a Credit Report? *

10 points

a)

Personal information, previous addresses, social security number

b)

Current and previous employers, and estimated income

c)

Detailed information about each credit card account, balance owed & payment history

d)

All the Above

10.
The actions of depositing and withdrawing money.
a)
Microtransactions
b)
Saving Money
c)
Transactions
d)
Shoe Laces
11.
To put money into an account.
a)
Deposit
b)
Withdraw
c)
Savings for a chicken
d)
Interest for a cow
12.
What is credit?
a)
Money allocated to a specific account for future use by the consumer without borrowing
b)
Goods, services, or money received in exchange for a promise to pay a definite sum of money at a future date
c)
The ability and willingness of an individual to pay back a loan as perceived by the lender
d)
An individual’s character, capital, capacity, collateral and conditions
13.
A plastic payment card linked to a financial account and is used for transactions.
a)
Debit Card
b)
Credit Card
c)
Checking Account
d)
Savings Account
14.
Amount charged if your payment is received after the billing date
a)
late payment fee
b)
overdue fee
c)
withdrawal fee
d)
loser fee
15.
Benefits of credit cards include:
a)
safe and convenient, bonuses are offered
b)
allows you to build a positive credit report
c)
needed for reservations and online shopping
d)
all of these
16.
Your credit score is not configured off of which of the following:
a)
Payment history
b)
Amount owed
c)
GPA
d)
Length of credit history
17.
Besides tuition, most colleges also charge their students for...
a)
room & board
b)
extra fees
c)
books
d)
all of the above
18.
Scholarships and grants are available for many college students, and they...
a)
have deferred payment
b)
give students a job to help pay
c)
don't have to be paid back
d)
have a low interest rate
19.
What degree provides the highest earning potential in pay?
a)
High School  Diploma
b)
Associate's Degree
c)
Undergraduate Degree
d)
Master's Degree
20.

It’s time to buy a new cell phone plan, and you will be paying for this one yourself. The providers offer a lot of options, and your budget is limited. What financial information do you need? What financial decision-making strategies can you use?

4 lines
21.

You are a freshman in high school and have your eye on a college degree. But college is expensive, especially since the costs include tuition, food, living expenses, travel and books. What financial information do you need? What financial decision-making strategies can you use

4 lines