What are the two types of money personalities?

Who made borrowing money for college much easier?

What are the two important money principles?

What is the key to winning with money?

What are the four parts of a budget?

What are the four types of expenses?

Personal finance is _______ knowledge and _______ behavior.

Banks struggled to get into the credit business before 1920 because charging exceptionally high interest rates was illegal.

Your money personality affects how you handle money.

What are the Four Walls in budgeting?

Fill in the blank: Cash flow statements summarize money that comes in and goes out over a period of time; businesses use these to track their finances.

Discretionary expenses can only be fixed.

Fill in the blank: Only ___% of Americans actually use a budget, even though most know it is important.

What does a budget show you?

Fill in the blank: Budgets say what will happen with your money; cash flow statements show what already happened.

How many months does it usually take for your budget to start working as it should?

Gross Income is defined as:

Net Income is defined as:

Fill in the blank: Income is any money that you receive, including from jobs or as gifts.

A budget does not keep you from having fun, it gives you permission to spend.

What is a FICO score?

Which of the following is NOT a component of a FICO score?

Fill in the blank: A car loan payment is made up of three components: principal, interest, and ____.

Leasing is the most expensive way to drive a car.

Getting out of debt and staying out of debt are two of the smartest money decisions you can make. The debt snowball is the ______ way to get out of debt, but you won’t even need to follow that process if you never get into debt to begin with.

What does HELOC stand for?

Secured loans are when you have to put down a security deposit or use something as ______.

Once you turn 18, you should regularly check your credit report for errors or signs of ______.

Credit card companies charge stores a 2–3% fee for every purchase made with credit cards. This is called a ______.

The principal is the total amount of the car loan, plus ______ and fees.

When you finance a new car, you will end up paying more than the sticker price.

A house is an appreciating asset—it goes up in value—and can be a good financial move, as long as you don’t buy more house than you can afford.

A car is a depreciating asset, which means it loses value over time.

Your resume should include past job experiences, professional references, and your ______.

A thank you note sent within 48 hours after your interview is a simple way to set yourself apart from other candidates.

What are the two general types of taxes?

What are the two types of earned income?

What form do you fill out for your employer to receive a W-2 with your tax information each year?

What is the main IRS form used for filing taxes?

All three types of income get taxed: earned, passive, and ________.

Your income is taxed at different percentages, based on what?

Getting a big tax return is always a good thing.

What should you do before inserting your debit card at a gas pump?

What is the lowest risk way to use your debit card and PIN?

What is the deadline for filing your taxes usually?

What is net income also referred to as?

What is the money you earn hourly at work called?

The more money you make at your job, the more taxes you will have to pay.

What does the W-4 form show?