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Personal Financial Literacy

Total questions: 12

Worksheet time: 10mins

Name
Class
Date
1.

Which of these is a need, not a want?

a)

Video games

b)

Ice cream

c)

Water

d)

Toys

2.

What do we call the money people earn from working?

a)

Savings

b)

Income

c)

Debt

d)

Loan

3.

What is it called if you put your money in a bank to use for later?

a)

Spending

b)

Saving

c)

Borrowing

d)

Donating

4.

What does labor mean?

a)

How much money a person saves

b)

How much a person works

c)

How much money a person owes

d)

How many years a person went to college

5.

Which of the following is a good way to save money?

a)

Spend all your money right away

b)

Put some money in a piggy bank

c)

Give all your money to a friend

d)

Lose your money

6.

Mr. Smith is an elementary school teacher. Which factor most likely affects the amount of money the school pays him?

a)

The distance he lives from the school

b)

The number of teacher friends he has at school

c)

The number of years of teaching experience he has

d)

The number of students in his class.

7.

Mrs. Williams borrowed $6,000 from the bank to pay for car repairs. She paid $7,500 back. Which of these is most likely the reason she paid the bank back more than she borrowed?

a)

She miscalculated the amount of money she needed to pay back.

b)

She ended up needing more than $6,000 in home repairs

c)

She had to pay interest on the money she borrowed

d)

She had to pay taxes on the money she borrowed

8.

Which statement is an example of using credit?

a)
  1. Dante saves $1,000 per paycheck

b)

Bailey budgets $1,000 each week for groceries

c)

Maria borrows $1,000 for car repairs

d)

Nina's grandma gave her $1,000 for her birthday

9.

Which of the following is an example of an unplanned expense?

a)

Buying groceries

b)

Buying gas to fill up your car

c)

Paying your monthly cellphone bill

d)

Paying a hospital bill after breaking your arm

10.

What is debt?

a)

Money earned

b)

Money spent

c)

Money saved

d)

Money owed

11.

Mr. Patterson works for a company. Which factor would most likely affect the amount of money Mr. Patterson gets paid by the company?

a)

The amount of money he has to pay in bills every month.

b)

The size of his family.

c)

The amount of money he saves every month.

d)

The work experience he has

12.

The city pays its police officers for the work they do. Which factor would NOT affect how much the city pays a police officer?

a)

The size of the police officer's family.

b)

The number of years the officer has worked for the city.

c)

The level of education the officer has.

d)

The special skills the officer has.