Money Skills
What’s the difference between a debit card and a credit card?
A debit card uses your money from your bank account right away; a credit card lets you borrow money to pay later (with interest if not paid off).
What should you wear to a job interview?
Clean, professional clothing that matches the type of job — often business casual or formal.
Name 2 cleaning chores you should do weekly.
weekly.Examples: vacuuming, dusting, taking out the trash, cleaning the bathroom, washing dishes.
What is a polite way to disagree with someone?
You can say, “I see your point, but I think...” or “I understand, but I feel differently because...”
What is the difference between a checking account and a savings account?
A checking account is for daily transactions like paying bills and shopping, while a savings account is designed to save money and earn interest over time
Name 3 monthly bills most adults have to pay.
Examples: rent, electricity, water, phone, internet, car insurance, groceries.
Name one question you should ask during an interview.
Examples: "What does a typical day look like?", "What are the next steps in the hiring process?", or "What do you enjoy most about working here?"
Name 3 things you need to rent an apartment.
Examples: proof of income, rental references, security deposit, credit check, identification.
What are 2 ways to show someone you are listening?
Nodding, making eye contact, and summarizing what they said (e.g., "So what you're saying is...") are great ways to show active listening.
What should you do if you lose your wallet or ID?
Report it to the authorities (file a police report, especially if your wallet contains important documents or cards).
Cancel credit/debit cards to prevent unauthorized transactions. Contact your bank or credit card company immediately.
Notify your local DMV or relevant agency to report a lost ID and request a replacement.
Monitor your bank accounts for any unusual activity.
Consider placing a fraud alert on your credit report to prevent identity theft
What is the difference between gross income and net income?
Gross income is the total amount earned before taxes and deductions; net income is what you take home after those deductions.
Name 2 ways to find job openings.
Job websites (like Indeed), social media (LinkedIn), help wanted signs, word of mouth, or school/job placement services.
You’ve been living in a rental for over a year, and now you need to move out. What are the key things you should do to ensure you get your full security deposit back?
Clean the apartment thoroughly (including carpets, windows, and appliances), fix any small damages (like nail holes), and remove all personal belongings. Do a final walkthrough with the landlord to address any issues.
If you’re in a group conversation, and someone interrupts you repeatedly, how can you handle it without escalating the situation?
Politely but firmly say something like, “I’d love to finish my thought, then I’d love to hear your opinion.” You can also address it directly by saying, “I’d appreciate if you let me finish first.” It’s important to assert yourself respectfully.
What is an emergency fund, and why is it important?
An emergency fund is a savings account set aside for unexpected expenses, such as medical bills, car repairs, or job loss. It's important because it provides a financial safety net, preventing you from going into debt when unexpected expenses arise.
What is a credit score, and name two things that can raise or lower it
A credit score is a number that shows how reliable you are with money. Making payments on time raises it; missing payments or using too much credit can lower it.
What should you do if you're going to be late to work?
Call or message your supervisor right away, explain the situation, and give an estimated arrival tim
How often should you change the batteries in your smoke detectors, and why is it important?
You should change the batteries every 6 months. It’s important because smoke detectors save lives by alerting you to fires early, and if the batteries are dead, they won’t work when you need them.
How can you handle conflict without yelling?
Stay calm, listen to the other person’s point of view, and express your thoughts calmly. Focus on finding a solution rather than blaming.
What should you do if the smoke detector goes off?
Answer:
If the smoke detector goes off, you should:
Check for smoke or fire immediately.
If there is no fire, check to see if the detector is dusty or if there’s a low battery.
If you can’t identify the cause and the alarm continues, evacuate the building and call emergency services to ensure safety.
If there is smoke or fire, leave the building immediately and call 911.
If your monthly income is $2,000 and you want to spend no more than 30% on rent, what’s the most you should pay in rent?
$600 (30% of $2,000).
What should you do if you’re offered a job but you're waiting to hear back from another interview you really want?
Politely thank the first employer, ask when they need a decision by, and contact the other employer to see if they’ve made a decision. Be honest but professional — this shows maturity and respect for everyone’s time.
Your apartment is very cold in the winter. Name two ways to improve the warmth of your home without cranking up the heat.
Use draft stoppers on doors and windows, and close curtains to keep the warmth in. You can also use space heaters safely or invest in heavy blankets for extra insulation.
During a heated group discussion, someone becomes defensive and refuses to listen to any differing opinions. What is an effective way to de-escalate the situation and invite them back into the conversation?
Remain calm and acknowledge their feelings to defuse defensiveness: “I can see that this topic is really important to you, and I respect your perspective. Let’s take a moment to hear each other out. I think we all have valuable input, and it’s important we keep this conversation respectful.” By validating their emotions and steering the conversation toward a more constructive direction, you create an opportunity for open dialogue.
How do you change your address with the post office?
Visit the USPS website or go to your local post office.
Fill out a change of address form (either online or in person).
If done online, there may be a small verification fee.
Update any important accounts (banks, employers, subscriptions) with your new address.