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Personal Finance 1

Total questions: 36

Worksheet time: 24mins

Name
Class
Date
1.

Which of the following BEST describes income?

a)

Money received from a parent to pay for ice cream at lunch.

b)

Money spent on a pair of new Nike Shoes.

c)

Money donated to a charity.

d)

Money received for completing your weekly chores.

2.

Which of the following is a benefit of having a personal savings plan?

a)

Personal savings plans let people spend more time doing activities they enjoy.

b)

People who save money are able to spend more money in the future and pay for unexpected expenses.

c)

People who save money are able to spend a lot of money right now.

d)

Personal savings plans help people have an unbalanced budget.

3.
money earned
a)
salary
b)
income
c)
purchase
d)
spend
4.
to give money to someone else in exchange for something
a)
interest
b)
lend
c)
spend
d)
borrow
5.
paying for something with money that is borrowed and must be paid back, usually with interest
a)
credit
b)
income
c)
resources
d)
salary
6.
the money paid by the borrower to the lender for the use of the lender's money
a)
interest
b)
savings plan
c)
scarce
d)
purchase
7.

An account attached to a debit card

a)

Checking Account

b)

Savings Account

c)

CD Account

d)

LR Account

8.

A bank account that earns interest and has no card attached.

a)

Checking Account

b)

Savings Account

c)

CD Account

d)

LR Account

9.

A card used to make purchase on credit. “Buy now, pay later.”

a)

Checking Account

b)

Savings Account

c)

Credit Card

d)

LR Account

10.

A set amount of income paid each month

a)

Income

b)

Salary

c)

Hourly Pay

d)

Deposit

11.

A set amount of income determined on how many hours an employee works

a)

Income

b)

Salary

c)

Hourly Pay

d)

Deposit

12.

An additional amount charged to a loan expressed in a percent

a)

Career

b)

Credit Score

c)

Budget

d)

Interest Rate

13.

Something you desire or wish for

a)

a "want"

b)

a "need"

14.
The process of projecting, organizing, monitoring, and controlling future income and expenses is known as ..........
a)
Government
b)
Geography
c)
Judicial Branch
d)
Personal Finance
15.
Everyone makes choices about how to manage his or her money/income from a job. This is also known as what?
a)
Personal Finance
b)
Government
c)
Civics
d)
Geography
16.
Medium of exchange used to buy goods and services.
a)
Credit
b)
Investing
c)
Saving
d)
Money
17.
Saving-spending plan that is based on a person’s income and estimated expenses
a)
Invest
b)
Credit
c)
Budget
18.

What is income?

a)

The amount you spend

b)

The amount you don't save

c)

Money taken in

19.

What is a budget?

a)

A plan for how money will not be used

b)

A plan for how money will be used

c)

The amount you spend

d)

The amount you save

20.

What is interest?

a)

money paid by other people

b)

money robbed by the bank

c)

money paid regularly by the bank on the account

d)

money paid by the U.S

21.

Which of the following is an expenditure?

a)

allowance from your parents

b)

buying an ice cream at lunch

c)

Selling an old game to a friend

d)

Getting paid for helping your neighbor

22.

Which of the following is an example of income?

a)

Going to the movies

b)

buying an ice cream at lunch

c)

Selling an old game to a friend

d)

Paying your sister to help you with your chores

23.

Donald wants to become a millionaire. What should be included in his plan to become a millionaire?

a)

How much money he spends on suits

b)

How he plans to spend money on himself

c)

The amount of money he plans to donate to charity

d)

His plan for saving money over a long period of time

24.

A plan for how to manage your money is called a ?

a)

income

b)

budget

c)

expense

d)

investment

25.

What is income?

a)

the amount you spent

b)

the amount you don't save

c)

money that you earn

d)

money that spent on expeneses

26.
paying for something with money that is borrowed and must be paid back, usually with interest
a)
credit
b)
income
c)
resources
d)
salary
27.
A card that borrows money but it has to be paid back
a)
Debit Card 
b)
Credit Card 
c)
Baseball Card 
d)
Pokemon Card 
28.
An agreement between a borrower and a lender, where the borrower agrees to repay money with interest over time.
a)
Loan 
b)
Interest 
c)
Income 
d)
Deposit  
29.
The process of projecting, organizing, monitoring, and controlling future income and expenses is known as ..........
a)

government

b)

geography

c)

judicial branch

d)

personal finance

30.
Are deductions added or subtracted from income ?
a)
Subtracted
b)
Added
31.
What is gross income?
a)
Take home pay
b)
Total amount of wages after deductions
c)
Total amount of wages before payroll deductions
d)
Amount the employer keeps
32.
__________________ deductions are automatically withdrawn from your paycheck
a)
Optional
b)
Suggested
c)
Standard
d)
Federal
33.
What is net income?
a)
Amount of money earned after deductions
b)
Cost of lifetime allowance
c)
Amount of money earned before deductions
d)
Keeping your money in a net
34.

What's gross pay?

a)

The total amount of an employee's earnings BEFORE deductions are taken out.

b)

It's when you feel gross because of your paycheck

c)

It;s the total amount of an employee's earnings AFTER all deductions.

35.

What's net pay?

a)

The amount of a paycheck AFTER all deductions are taken out.

b)

The amount of a paycheck BEFORE all deductions are taken out.

c)

The net worth of an individual

36.

What's a deduction?

a)

It's the extra money you receive on your paycheck for working overtime.

b)

The amount of money taken from an employee's gross pay for taxes, insurance, social security and other benefits.

c)

When an employee loses his/her job because they are absent to much,