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Banking
Spending Plans
Income/Expenses
Personal Finance
Hodge Podge
100

This financial institution is not-for-profit and owned by its members.

What is a credit union?

100
This is something every spending plan should have.
What are goals?
100
Examples of this type of expense include mortgage/rent, insurance, real estate taxes, and vehicle registration.
What are fixed expenses?
100

This is what credit card companies charge for the use their money.

What is interest and fees?

100

300-850

What is a credit score range?

200

A request for your bank to pay another party from funds in your account.

What is a check/Bill Pay?

200

A simple plan to track your spending.

What is a budget?

200
The easiest type of expenses to adjust.
What are flexible/variable expenses?
200
The best way to reduce your credit card debt.
What is pay more than the minimum payment required?
200
This is the best way to protect your credit rating.
What is pay your bills on time?
300

The two types are compounding and simple.

What is interest?

300
The term used to describe the things you spend your money on.
What are expenses?
300

The expense should be 10% or more of your income.

What is Pay Yourself First (PYF)?

300
Companies you can get a free credit report from once a year.

What is TransUnion, Equifax and Experian (annualcreditreport.com)?

300

When paying off debt owed to more than one creditor, the best plan is to begin by paying extra money each month to the creditor with this.

What is the smallest amount owed with the highest interest rate?

400

When saving money for a longer period of time, but you would still like easy access in case of an emergency, this type of investment typically has better yielding interest rates than a standard savings account.

What is Certificate of Deposit (CD)?

400
One of two types of expenses.
What are fixed or flexible (variable) expenses?
400

The best time to begin saving for retirement.

What is as soon as possible?

400

This type of credit has the highest interest rate.

What is revolving loan/credit cards?

400

Central Bank of the United States


What is the Federal Reserve?

500

This happens when you make a purchase using your debit card for more money than is in your account.

What is an overdraft?

500
Every spending plan should be this.
What is realistic?
500
One of the ways (relating to time) that expenses occur.
What is monthly, annually, quarterly, periodically, etc..?
500

Calculate this by taking the total amount of money and assets you have and subtracting the total amount of money you owe.

What is your Net Worth?

500
This represents the amount of money left over after all bills have been paid.
What is descretionary income?