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Financial Literacy Midterm Fall '25

Total questions: 13

Worksheet time: 3hrs 51mins

Name
Class
Date
1.

The cost of doing one thing instead of something else is...

(a)  

2.

What is another word for barter

(a)  

3.

What is Credit?

a)

Respect

b)

The fee you pay for living in a country, that goes to the government

c)

Having a high credit score

d)

A person’s trustworthiness, determined by

how well one pays their debts, or money they owe. Credibility.

4.

What can a person's credit score be?

a)

0-1,000,000

b)

0, or between 580 and 850

c)

0-580

d)

580-850

5.

What is an income statement (Check all answers that apply)

a)

A financial document that expresses all of one’s income(s)

minus all of one’s expense(s) to find net income, or net loss.

b)

A budgeting plan that show's needs (50%), wants (30%), and savings/investments (20%)

c)

A medium of exchange

d)

A snapshot of a person's financial health

6.

Who invented dollar bills? (Be Specific)

[Bonus: In what time period?]

4 lines
7.

What is the difference between being wealthy and being rich?

(a)  

8.

Financial Literacy is the

(a)  

9.

What does it mean to mint?

a)

To chew gum

b)

To print or create money

c)

To buy or sell stock

d)

Another word for money

10.

What is communalism?

4 lines
11.

What is the gold standard?

4 lines
12-20.

Nicholas has a business that pays him $10,000 per month. He also has a second business that earns him $2,766 per month. All of his socials earn him around $3,013 per month, and lastly, he earns $1,243 per month from his stock portfolio. He spends around $3,999 per month on his car. $7,000 per month on his house, and $3,000 for food, groceries, and small purchases for his family.

12.

Passage 1:

What is Nicholas's net income or loss?

4 lines
13.

Passage 1:

What is a net loss?

a)

Total expenses

b)

When total expenses are more than total income

c)

When total income is more than total expenses

d)

Total income

14.

Passage 1:

What is net income?

a)

Total expenses

b)

When total expenses are more than total income

c)

When total income is more than total expenses

d)

Total income

15.

Passage 2:

What is Rama's total income and total expenses?

(YOU DO NOT HAVE TO FIND NET INCOME OR LOSS)

4 lines
16.

Passage 2:

What should be Rama's expenses if she used the 50/30/20 Rule?

4 lines
17.

Passage 2:

What is the 50/30/20 Rule

a)

A budgeting strategy with 50% of money going to needs, 30% to wants, and 20% to savings/investments

b)

A budgeting strategy with 50% of money going to wants, 30% to needs, and 20% to savings/investments

c)

A budgeting strategy with 50% of money going to needs, 30% to savings/investments, and 20% to wants

d)

6/7

18.

Passage 3:

Please find the total amount of gold each person left with based on their barter equation:

(Remember PEMDAS)

Tega: 🏈x🏈+🏈+🐘x🐘+🦬x🦬+🦬+🦬=

4 lines
19.

Passage 3:

Please find the total amount of gold each person left with based on their barter equation:

(Remember PEMDAS)

Segun: 🏈+🏈+🏈+🏈+🏈+🏈+🐘x🐘x🦬-🦬=

4 lines
20.

Passage 3:

Please find the total amount of gold each person left with based on their barter equation:

(Remember PEMDAS)

Anu: 🏈+🏈x🐘+🐘+🐘x🦬+🦬x🦬=

4 lines
21.

Extra Credit: Create a Combine like terms equation, then solve it. (Make sure it's somewhat challenging. If it's too easy it will not get credit)

4 lines